Your savings remain pension assets – even between jobs.
The route
Where does the money go?
1Leaving the pension fund
2New fund? Money is transferred
3No fund? Vested benefits foundation
4No response? Substitute institution
Tax trick
Split across two foundations
2 accounts
Split on exit – liquidate in different years and save taxes
The withdrawal
When is it paid out?
60+Ordinary: at the earliest 5 years before reference age
🏠Home ownership (WEF) or self-employment
✈Leaving Switzerland – to EU/EFTA only the extra-mandatory part
♿Disability
New rule
Deferral only with a salary
Deferral beyond the reference age: soon only with income subject to AHV. Transitional period until end of 2029 – after that, balances without employment become due. Plan the withdrawal in time.
Good to know
Find forgotten assets
💡 Billions sit on unclaimed accounts. The 2nd Pillar Central Office searches free of charge for assets in your name – one request is enough.