Swiss Three-Pillar Pension System: Complete Expat Guide 2026
Understand Switzerland's three-pillar pension system in 2026: AHV (1st pillar), BVG (2nd pillar), and Pillar 3a/3b. Learn rules, contributions, and retirement math.
Read guidePillar 3a
Contribution limits, tax deductions, withdrawals, provider comparisons, and 3a vs 3b decisions for expats who need clear Swiss retirement planning.
Guides
Staggered Pillar 2 & 3a Withdrawals 2026: Swiss Tax Optimization Guide
Planning your Swiss retirement or departure? Learn how staggered withdrawals of Pillar 3a, Pillar 2, and vested benefits save thousands in capital taxes.
Read guideSwiss Pension Refund: Reclaiming AHV and Pillar 2/3 When Leaving
Learn how to reclaim your Swiss OASI (AHV) contributions and withdraw your Second Pillar (LPP) and Pillar 3a pension assets when permanently leaving Switzerland.
Read guideVested Benefits Account Switzerland 2026: Freizügigkeitskonto Expat Guide
Navigate Swiss vested benefits accounts (Freizügigkeitskonto) in 2026. Learn about job changes, tax optimization, Schwyz foundations, and withdrawal rules.
Read guideSwiss Pillar 2 Pension Buy-In Guide 2026: Tax Savings & Rules for Expats
Maximize your tax savings in 2026 with a Swiss second pillar (BVG) pension buy-in. Learn about pension gaps, tax deductions, and withdrawal restrictions for expats.
Read guideSecond Pillar Switzerland 2026: Lump Sum vs. Pension for Expats
Swiss second pillar: lump sum or monthly pension? Compare taxes, conversion rates, survivor benefits, and how expats decide in 2026.
Read guideSecond Pillar Withdrawal Leaving Switzerland 2026: EU vs Non-EU Rules
Leaving Switzerland permanently? Guide to withdrawing your second pillar (BVG/LPP): mandatory vs extra-mandatory, EU/EFTA vs non-EU rules, tax, and your options.
Read guideAHV/AVS First Pillar 2026: Women's Retirement Age, Supplements, and What Expats Need to Know
Swiss first-pillar AHV/AVS pension 2026: women's retirement age rising to 65, pension calculation, supplements, early withdrawal, what expats must check before planning.
Read guidePillar 3a for home ownership 2026: WEF withdrawal rules for expats
Can expats use Pillar 3a for a Swiss home purchase? WEF-Vorbezug rules, repayment obligations, tax consequences, and whether it makes sense for foreign residents.
Read guidePillar 3a after a job change and for self-employed expats 2026
What happens to your Pillar 3a when you change jobs, become self-employed, or start a Swiss business? Contribution limits, buy-in rules, and practical steps for expats.
Read guidePillar 3a retroactive contributions 2026: can expats catch up?
New Swiss rules let expats make retroactive Pillar 3a contributions from 2026. Check eligibility, tax timing, expat cautions, and whether catching up makes sense.
Read guidePillar 3a tax savings by canton 2026: Zurich, Zug, Geneva, Vaud and Basel examples
How much does Pillar 3a save in your Swiss canton? Compare Zurich, Zug, Geneva, Vaud, Basel-Stadt and Ticino with real CHF 7'258 examples for expats.
Read guide