Vested benefits and moving abroad

Pension fund payout on emigration

In the case of a lump-sum withdrawal from the pension fund for emigration, the first question is whether you wish to withdraw your 2nd pillar in full or only the extra-mandatory portion. This depends on your destination and the legal framework. A carefully thought-out plan is important in order to take advantage of tax benefits and protect your assets in the long term. PensExpert accompanies you every step of the way - from the application to the optimal management of your capital, side by side with your bank.

Most favourable withholding tax rate in Switzerland thanks to foundation domicile in the canton of Schwyz

Our vested benefits and 3a foundations are domiciled in the canton of Schwyz, where customers benefit from the most favourable withholding tax rate in Switzerland. In the event of a payout due to emigration, the withholding tax is levied at the foundation's domicile - in the canton of Schwyz this is a maximum of 4.8%. This not only secures you tax advantages, but also maximises your financial leeway.

With our experience, we ensure that your pension fund assets are optimally protected, even beyond national borders. Make an appointment now and benefit from our pension and tax expertise!

AHV and pension payments in the event of emigration

The AHV pension can also be drawn if you live abroad, but the regulations differ depending on the country of destination. While a direct pension payment is possible in countries with a social security agreement, stricter regulations apply to countries without an agreement. The taxation of the pension is also a key factor in planning. PensExpert supports you in clarifying your entitlements and minimising tax burdens. Whether early withdrawal or regular AHV withdrawal - we will develop a customised strategy for you.

Contributions and AHV obligations for Swiss abroad

Swiss abroad can also continue to pay contributions to the AHV in order to maintain their pension entitlements. Special conditions apply to voluntary continued insurance, such as a minimum period of insurance in Switzerland. The minimum AHV contribution for Swiss nationals abroad varies depending on their personal situation and is adjusted annually. PensExpert offers you comprehensive advice on the requirements and strategic advantages of voluntary AHV contributions.

Tax aspects of emigration

Moving away from Switzerland brings with it tax challenges that require precise planning. Withholding tax on pensions or vested benefits accounts and the tax treatment of pension assets in the new country of residence vary depending on the destination country. Double taxation agreements can also play a decisive role. PensExpert offers you support in optimising your tax situation and ensures that you do not experience any financial disadvantages. Contact us for individual advice and benefit from our expertise.

Social security agreements and pension entitlements abroad

Thanks to international social security agreements, your pension entitlement remains secure even if you move abroad. These agreements regulate the drawing of pensions, protection against double taxation and the crediting of contribution years in both countries. Whether AHV, IV pension or occupational benefits - PensExpert helps you to make optimum use of your entitlements and transfer your pension assets abroad as efficiently as possible. Put your trust in our expertise and secure your financial future - arrange a consultation today!

Pension provision and pension fund for people abroad

For people who move abroad from Switzerland, the question arises as to how their pension assets can best be managed. Whether you wish to have your pension fund paid out, for example to purchase residential property abroad - PensExpert offers you customised solutions. We will inform you about the tax consequences, payout modalities and the integration of your 3rd pillar.

Pension provision and pension fund for the self-employed

For self-employed persons emigrating from Switzerland, the right pension provision and the management of pension capital are crucial. PensExpert helps you to optimally manage your pension fund and strategically utilise your 3rd pillar for your future. Whether you need capital for a new start abroad or want to secure long-term pension goals - we offer customised solutions. Let us advise you on how you can have your pension assets paid out in a tax-optimised manner and strengthen your financial base abroad.

Home ownership and asset management when living abroad

Anyone emigrating from Switzerland and wishing to acquire residential property abroad can make capital available by making an advance withdrawal from the pension fund. It is important to observe the tax and legal framework conditions. PensExpert offers tailor-made advice on how to make the best use of your capital and organise your asset management abroad. We help you to take your money with you efficiently and secure your financial resources during your stay abroad. Arrange a consultation to secure your financial future!