If you’re living in Switzerland or planning to retire here, understanding your pension options is crucial to securing a comfortable future. Switzerland offers a complex, three-pillar pension system that may overlap with foreign pension arrangements, especially if you’re a UK or EU national. At Private Client Consultancy Switzerland, we specialise in helping expatriates and internationally mobile professionals take control of their pensions with tailored, compliant strategies.
Switzerland’s retirement system consists of three pillars:
If you’re new to Switzerland or have lived and worked in multiple countries, aligning these pillars with your foreign pensions can be challenging without professional advice.
UK expatriates in Switzerland must navigate complex regulations on pension transfers, especially post-Brexit. We assist with:
We’ll ensure your pension income is optimised under Swiss law, minimising tax and maximising flexibility.
For those who have left employment in Switzerland, it may be possible to access your 2nd Pillar pension (vested benefits account) or consider how your 3rd Pillar savings can be used towards property purchases, early retirement, or cross-border relocation. Our team helps you understand:
We’ll also advise on any withholding taxes that may apply and how to reclaim or reduce them via bilateral agreements.
We’re independent and client-first.
We understand the UK, EU, and Swiss pension frameworks in detail.
Our advice is clear, compliant, and supported by qualified international advisers.
We work alongside tax and legal specialists to ensure every angle is covered.
Pensions should work for your life, not the other way around.
Book a consultation with our pension team today to start making smarter choices about your retirement in Switzerland.
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