Withdrawal of the 2nd Pillar in Switzerland: Procedures, conditions and taxation

The withdrawal of the 2nd pillar (LPP) is a key step in your financial journey. It may take place at retirement, but it is also possible in other situations provided by law: buying a home, starting a self-employed activity, permanently leaving Switzerland, or taking early retirement. Each case involves specific rules and tax implications. At FBKConseils, we analyze your situation and guide you to withdraw your 2nd pillar under the best possible conditions.

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Why choose FBKConseils for your 2nd pillar withdrawal?

At FBKConseils, our entire team is highly qualified, trained and passionate, with expertise across multiple fields to support you throughout your projects.

Reduce your taxes with smart optimization

Every 2nd pillar withdrawal comes with taxation, which can vary greatly depending on your personal situation and your canton. At FBKConseils, we don’t just calculate your tax amount: we thoroughly analyze your options, simulate different scenarios, and identify the most advantageous strategy. Our goal is simple—help you realize your project while minimizing your tax burden.

Personalized support for unique projects

Whether you are buying your primary residence, launching a self-employed activity, moving abroad, or considering early retirement, we understand that your project is unique. That’s why we tailor our support to your specific needs. Together, we build a clear, detailed, and realistic plan to help you achieve your ambitions safely.

Recognized expertise in retirement and pension planning

The 2nd pillar is at the core of the Swiss retirement system. With our expertise, we help you make the right decisions between annuity, lump sum, or mixed solutions, while also considering your 1st and 3rd pillars. We provide you with a global vision of your retirement, ensuring that today’s decisions will secure tomorrow’s standard of living.

Clear, human and transparent guidance every step of the way

The procedures related to 2nd pillar withdrawals can often seem complex and time-consuming. Our role is to simplify them for you: we manage communication with pension funds and authorities while keeping you informed at every step. At FBKConseils, we emphasize education and transparency, no complicated jargon, no hidden fees, just human support and complete peace of mind.

Our offers for 2nd pillar withdrawal

With us, everything usually starts with a free introductory meeting, either at our office or via video call, to discuss your needs and guide you towards the best possible solution.

Introductory meeting

We review your situation and explore how we can help.

0.-

Includes:

15-minute introductory consultation.
Answers to your first questions.
Identification of your withdrawal options.
No commitment.

Advisory meeting

We build your project at your pace. We charge by the hour, depending on your needs.

195.-

/hour

Includes:

15-minute introductory consultation.
Collection of all required documents (LPP regulation, certificates, justifications).
Tax simulation of the withdrawal and comparison of options.
Handling of procedures with pension funds and authorities.
Full support until the funds are effectively paid out.

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They already trust us.

Frequently asked questions about 2nd pillar withdrawal

At retirement, you can request the withdrawal of your 2nd pillar from your pension fund. Depending on the regulations, you may receive it as an annuity, a lump sum, or a combination of both.

Yes, but only in four legally defined situations:

Purchasing a primary residence (EPL withdrawal).
Starting a self-employed activity.
Permanently leaving Switzerland (conditions vary depending on the destination country).
Early retirement from the age of 58 (subject to pension fund rules).

You must gather the necessary documents to justify your situation (property purchase, business creation, departure documents, etc.) and submit a request to your pension fund. The process can be lengthy, so it’s best to start early and seek professional support.

The withdrawal of the 2nd pillar is taxed separately from income, using specific tax scales that are more favorable than ordinary income tax (rates are divided by five). The exact amount depends on the reason for withdrawal, the canton, and the total sum involved.