Hi everyone, I’m trying to understand what I can realistically withdraw when leaving Switzerland. I’d appreciate any insights or people with similar experiences. My situation: • Worked in Switzerland for ~5 years • Started in my late 20s, now early 30s • Salary progression roughly: • Year 1: ~89k CHF • Year 2: ~92k CHF • Years 3–5: ~100k+ CHF • Pension fund is Publica • No Pillar 3a • Leaving Switzerland permanently • Moving to a non-EU / non-EFTA country (no social security agreement) What I think I understand (please correct me if wrong): • I can withdraw 100% of my 2nd pillar (including employer contributions) • I’ll pay a lump-sum tax in Switzerland (~5–8%) • I may be able to request a refund of AHV contributions, but: • No interest is paid • It cancels any future Swiss pension rights My questions: • Does “full withdrawal” really mean I get both my contributions AND employer contributions with Publica? • Is my expected range of ~60k–75k CHF (2nd pillar) realistic for 5 years? • For AHV refund: • Since i am moving permanently to a non-EU country, can i also claim that part? If so, what would be roughly a realistic range? • How long does the process actually take? • Are there any hidden conditions or pitfalls I should know about? • Is it worth transferring to a low-tax canton vested benefits account before withdrawing? Goal: Just trying to estimate a realistic net total payout and avoid mistakes before leaving. Thanks a lot for any help 🙏 submitted by /u/AvailableAmphibian42
Originally posted by u/AvailableAmphibian42 on r/Switzerland