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Retire in Switzerland

If you plan to retire in Switzerland, you must learn about its retirement system. Retirement in Switzerland is based on three pillars and has many specificities that many do not know.

Recent Content

Old-age care costs in Switzerland

Is Swiss old-age care affordable? From at-home support to residential homes, find out the costs of aging in Switzerland and who is paying for the bill.

Your second pillar when you stop working in Switzerland

Learn what happens to your second pillar when you stop working, become self-employed, or leave Switzerland. Essential tips for every situation.

Should you take a pension or a lump sum from your second pillar in Switzerland?

The big decision. Annuity or Capital? We analyze whether you should take your Second Pillar as a monthly pension or a lump sum cash withdrawal.

From Early Retiree to Investment Coach: An interview with Charlene Cong

Charlene Cong retired early in Switzerland and started an investment coach career. Learn from her story and profit from her advice.

3a buybacks are now possible: All you need to know

Missed a year? Learn about the new 3a Buyback rules. Discover who is eligible to make retroactive contributions and save taxes on past years.

Save taxes with staggered withdrawals in 2026

Save massive taxes. Learn how to stagger your Second and Third Pillar withdrawals over several years to significantly reduce your capital tax bill.

Can you retire early with Swiss Stocks and Bonds?

Can we retire early with only Swiss stocks and bonds? We find out with Trinity Study simulations with historical Swiss stocks and bonds data.

The truth about 3b pillar accounts

Flexible savings. What is the Pillar 3b? Learn the differences between free and tied pension plans and how to use 3b for early retirement.

Vested benefits accounts: All you need to know!

Pension freedom. A complete guide to Swiss Vested Benefits accounts. Learn when you need one, how to open it, and how to invest the money.

What is the Substitute Occupational Benefit Institution?

Lost pension? Learn what the Substitute Occupational Benefit Institution is, why your money might be there, and how to move it to a better fund.

What should you do with a life insurance 3a?

Life insurance 3a is a poor investment for retirement. What should you do with an existing life insurance 3a? I compare 3 strategies to deal with it.

The Trap of Life Insurance Third Pillar

Avoid this mistake. Learn why mixing life insurance with your Third Pillar is usually a bad idea and costs you thousands in fees.