Home abroad, at work in Switzerland: your provision has its quirks.
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Understand cross-border
Principle
Insured where you work
Place of workthe principle – special rules for home office and multi-state activity
AHV & pension fundcontributions in Switzerland
Retirementbuilds up here
First pillar
Your AHV
AHV contributionslike every employee
AHV pensionalso abroad
Home countryown claims there
Second pillar
Your pension fund
Pension fundthrough your employer
Your capitalbelongs to you
Importanton change or departure
Often underrated
Three areas
Health insuranceuse your choice
Taxesdepend on the country
Pension capitalhandle cleverly
Good to know
Is your provision optimal?
💡 First step: As a cross-border commuter you're insured at your Swiss workplace – AHV and pension fund build up here. But health insurance, taxes and pension capital need special attention.