Locate and organise pension assets after a job change, career break or departure from Switzerland.
01Are you changing jobs or leaving Switzerland?
02Where are your pension assets held?
03When will you need the money?
Start with the essentials, explore the trade-offs, then compare written terms for your situation.
When you leave a pension fund, your departure benefit normally moves to the next pension fund. If no new fund is available, organise a vested-benefits solution and retain the transfer confirmation. Check old employment records for forgotten assets. A vested-benefits balance is retirement money, not a freely available everyday savings account.
Compare interest, fund allocation, currency exposure and every administration or investment fee. An invested solution can fall in value, particularly over a short horizon. Match the strategy to when the money may need to move to a new fund or be paid out. Check beneficiary rules and whether death or disability protection is included at all.
For an EU/EFTA move with compulsory old-age, death and disability insurance in the destination country, mandatory LPP assets generally cannot be paid in cash; the extra-mandatory part is assessed separately. Destination-specific exceptions exist. Obtain confirmation from the competent institution and review the tax treatment in Switzerland and your new country before requesting payment.
| Option or layer | What to understand and check |
|---|---|
| Cash holding | Compare interest and charges; assess inflation over the holding period. |
| Invested holding | Compare allocation and costs; accept market fluctuations. |
| Early payment | Legal eligibility and tax need a separate assessment. |
Not automatically. Check which risk benefits survive the employment change and the terms of the selected solution.
A new employer’s pension fund may require transfer of vested benefits.
Cash withdrawals depend on the reason, destination and mandatory portion. Leaving for the EU/EFTA can restrict withdrawal.
Compare fees, investment risk, withdrawal taxation and the timing of any transfers.
Verify social-insurance status before planning an early payout.
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Fees, transfer service and investment design can matter as much as interest.
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Existing vested benefits and new contributions must not be confused.
Read article →Yes. A first conversation of around 20–30 minutes is free and without obligation. Any further fees are explained before you agree.
No. Tools provide information or estimates. Personal advice, underwriting, policy terms and lender approval remain necessary where applicable.
Yes. We start by understanding your existing arrangements, then compare the relevant alternatives and switching conditions.
A free first conversation. A real person. A plan for what comes next.
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