10Oct

Retirement in Switzerland: Should you withdraw your 2nd pillar as a pension or as a capital?

Introduction “So, for your 2nd pillar, will you take it as an annuity or a lump sum?” This is a crucial and unique question for anyone approaching retirement. You will almost always have the option…

What can I expect from my second pillar for my retirement?

Let’s take the most common case: you reach 64 or 65 years old, you saved during 40 years. This accumulated capital (that can vary greatly based on the pension fund conditions) bears the sweet name…

When do we have to start contributing to the second pillar (LPP) ?

Unlike the OASI (AHV), which covers everyone and to which we all contribute, whether you are a student, looking for work, self-employed or employed, the LPP only insures employees or the self-employed (on an optional…