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Whoever has his Let the pension fund pay out would like to do so can do so in 5 different cases. In many countries this is not so easy, but fortunately it is possible in Switzerland. So today you can find out how to cash out your Swiss pension fund.
If you have any more questions on the topic, we look forward to an exchange in the comments!
The Early withdrawal from the pension fund is possible in various cases. Here you will find an initial overview of an early withdrawal. You will then find out more about the individual areas.
Anyone who wants to take early retirement can cash out their pension fund. From when is this possible? The Minimum age of most pension funds is 58 years. If the money from your pension fund (PF) is deposited with a Vested benefits institutionit can at the earliest five years before reaching the regular AHV retirement age be obtained.
Watch out: Not every PF allows for a full payout for early retirement. At least 25% However, you can always have them paid out from your pension fund.
When paying out your pension fund in advance, be sure to consider the influence on its amount. Because the early withdrawal affects your conversion rate. It is advisable to contact your PF early (approx. 3-5 years) in advance.
However, the influence of a home ownership promotion (WEF) on the PF is usually manageable.
Here is an example calculated in Omnium by the Brain Group.
Assumptions:
Result: The PF pension differs only by about CHF 110 per month if the WEF withdrawal is repaid.
However, if the WEF payment is not repaid, this results in a gap of CHF 795 per month in the example!
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Home ownership is the dream of many, which is why property prices often reflect this. Those who opt for the Purchase of a home decides to do so, can use his Use 2nd pillar.
Under the keyword WEF (home ownership promotion) regulates this type of pension fund advance withdrawal. This may be a maximum of Every 5 years happen and there must be at least CHF 20'000 be obtained.
Incidentally, WEF can not only be used to purchase a permanently occupied home. The purchase of share certificates in a housing cooperative or the repayment of a mortgage are also possible. Whoever uses the Pension fund for the promotion of home ownership uses, lowers the interest burden and thus optimises the financing of the property.
The dream of the own company or the creative development in a Independence hovers in many people's minds. Financially, the hurdles are high for many people, which is why there is a Support through the 2nd pillar gives.
It is important to know: If you want to set up a limited liability company (GmbH) or a joint-stock company (AG), you cannot make use of this option. In these company forms you are an employee of your own company and are therefore still subject to the compulsory BVG. However, if you set up a sole proprietorship, you are no longer subject to this and can have your full PF paid out.
You must submit the application for payment of your PF in good time. You have 1 year after starting your self-employment time to submit the application. Otherwise, your pension assets remain in a vested benefits institution.
You want to leave Switzerland? If your decision is final and you want to move to a Non-EU/EFTA country of emigration, is a Pension fund payout possible.
Do you stay within the EU/EFTA area? Dan can Only the extra-mandatory credit balance be paid out. In this case, funds from the compulsory scheme are transferred to a vested benefits account and can only be withdrawn at ordinary retirement age.
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The long-awaited sabbatical is finally upon us? Time for your own children in the form of motherhood? Lost your job and temporarily unemployed?
During interruptions in employment can the PK credit balance on a Vested benefits account transferred. Here it can not be paid out, but at least profitably invested.
During our working lives, we pay diligently into the 2nd pillar and often forget that for many Swiss people this is where their greatest assets lie. However, pension fund withdrawals do not have to be made at regular age in the form of a lump-sum withdrawal or a pension. Also a early withdrawal is possible if certain criteria are met.
Are you still missing something on the subject? Is an early withdrawal from PK an option for you? Feel free to leave us a comment!
16 Responses
Good day
My wife has recently become self-employed and has worked very little in Switzerland. Can I have part of my pension paid out? Since she has the rights, we got married at the time. to support her. Is that possible? Thank you very much for the information and stay healthy
Hello Michel
You cannot withdraw your PF beforehand without further ado. However, your wife can access pension assets as part of a new self-employment, such as explained here will.
Best wishes and good luck!
Eric
I worked in Switzerland from August 2013 till December 2014 and came back to my home country which is India. I understood from a colleague recently that PF amount contribution during my stay in Switzerland can be withdrawn. I wanted to understand the process to get that done.
probably the best advice would be to ask your last pension fund. they will assit you in the process
My daughter Diana Lehner-Müller was employed for many years at the post office where she had to stop for health reasons. She will be 58 years old on 19 March 2024. 1'000 per month. She is self-employed and has a small house. With this salary she can
not survive. She has a pension fund with a return of 137,000 francs, but it doesn't pay out anything, so what can she do? She does not want the house
sell has only a mortgage of Fr. 170'000 left.
Please let me know for a solution to the problem.
With kind regards
Guido Müller
Dear Mr Müller,
Your daughter should discuss such an important topic with an independent financial planner. Before she takes any major steps, it is also helpful to get a second opinion to be really sure.
Feel free to email me if I can recommend you to someone. I wish you much success!
Hello, I have sent all the PF documents. Everything is OK. I am registered in Switzerland as of 30.6. My question is whether the money from the PF can be transferred before 30.6 (could be). Or are there laws that do not allow this?
Hello Manuel
the best thing to do is to talk to your PK directly, they know best what is valid and feasible here 🙂
I would like to transfer part of the funds from the pension fund to an account?
When is it possible at the earliest?
Is this a special account?
How is it taxed?
Hello Zaga,
So you are planning early retirement? There are differences depending on the PF.
As far as I know, a payout is possible from the age of 58. The account is your private account and capital gains tax is due, which is different in every canton. So there are a few things to take into account.
It is best to contact your pension fund. After all, you have to declare your lump-sum withdrawal in good time.
Love!
Good day ladies and gentlemen
I have opened a single company and would like to pay out the pension fund money.
but due to the fact that I am still working 100% on a company, a few people have told me that it is impossible to get the money to pay out.
I take a salary of 4000 CHF net in month, (100%). does anyone know how I could manage to get the money to pay out?
MFG Santiago
What percentage is this in the case of a BVG lump-sum withdrawal?
Advantage or disadvantage BVG pension or lump-sum withdrawal
Where can I find information on the compulsory insurance when moving to an EU country?
Hello Nicole, look for example at the Foundation for reception Sync and corrections by n17t01
Hello.
I emigrated to South America a year ago.
Now I would like to have all my PK money paid out.
But I don't know where the money is or how I can apply for it.
Can anyone help me?
Kind regards
Hello Salvatore, you should speak to your last pension fund or vested benefits institution about the payout if the money was parked there. It's best to look for your old pension certificates if you can still find them...
Otherwise, contact your last employer and ask which pension fund you were insured with.
A third alternative would be to contact the ombudsman's office, where you can certainly get help.
Best wishes into the warmth 🙂