As a cross-border commuter you often draw your Swiss pensions from abroad.
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Retirement abroad
First pillar
AHV abroad
AHV pensionis paid out
Abroadto many countries
Home countryown pension on top
Second pillar
Pension or capital
Pensionlifelong and secure
Capitalfreely available
Home-country taxinfluences the choice
Don't forget
Taxes & currency
TaxationSwitzerland or home country
Currencyfrancs versus euros
Planinclude both
Clarify early
Timing counts
Before or after leavingmakes a difference
Home countryhas a say
Plan earlysome choices are final
Good to know
Is your retirement planned?
💡 First step: As a cross-border commuter you draw AHV and pension fund from Switzerland while living abroad – pension or capital, taxes and currency matter and need early planning.