Emma in Switzerland – Understanding Swiss Pensions

Episode

• Leaving Switzerland – What Happens to Your Pension Assets? 02.07.2026 10mnt

  In this episode, Emily and Laura explain what happens to your Swiss pension assets when you leave the country. You’ll learn how AHV entitlements work after you leave the country, how second pillar payouts differ between EU/EFTA and non-EU/EFTA countries, what happens to Pillar 3a, and why it’s essential to clarify your taxes early. It’s a practical guide for expats planning their next international move. Topics Covered: AHV entitlements after departureSecond pillar payout rulesEU/EFTA vs. non-EU/EFTA relocationPillar 3a withdrawal Swiss withholding tax at payoutImportance of early tax clarification Official Sources: https://www.profond.ch/en/private-individuals/information-expatshttps://www.sfbvg.ch/enThe content was developed by experts, and the audio was generated with the support of AI. This provides expats and others interested in the topic with straightforward, user-friendly access to a complex subject. 
• How to read your Profond Pension Certificate 18.06.2026 9mnt

  The Swiss pension certificate can be overwhelming – especially for expats. In this episode, Emma and Laura break down the pension certificate step by step and teach you how to read it with confidence. Topics covered: Insured salary and contributionsRetirement assets and projectionsDeath and disability benefitsKey planning information Official source: https://www.profond.ch/en/pension-certificate-profondconnect  The content was developed by experts, and the audio was generated with the support of AI. This provides expats and others interested in the topic with straightforward, user-friendly access to a complex subject.
• The Second Pillar Explained – How Your Occupational Pension Really Works 04.06.2026 9mnt

  In this episode, Emma and Laura explain how the Swiss second pillar works – from contributions and investments to interest and retirement benefits. Designed especially for expats, this episode helps you understand how your occupational pension is built, how it grows over time, and what role it plays in your financial future. Topics Covered: Purpose of the Swiss second pillarEmployee and employer contributionsRisk, savings and administrative contributionsHow pension assets are investedWhy interest rates matterHow pensions are calculated at retirementPension fund choice and employee influence Official Sources:  https://www.profond.ch/enhttps://www.fedlex.admin.ch/en/home The content was developed by experts, and the audio was generated with the support of AI. This provides expats and others interested in the topic with straightforward, user-friendly access to a complex subject. 
• The Three Pillars – How Switzerland Builds Your Financial Future 19.05.2026 8mnt

  In this first episode, Emma and Laura explain Switzerland’s three‑pillar pension system in clear, practical terms. It’s perfect for expats who want to understand how retirement planning works in Switzerland. Topics Covered: Explanation of all three pillarsHow they work together Mandatory participation rulesWhy it matters for expats Official Sources: https://www.profond.ch/en/starthttps://www.fedlex.admin.ch/eli/cc/1983/797_797_797/de (only in German, French & Italian)https://www.youtube.com/watch?v=ARUKH4CLaBk  The content was developed by experts, and the audio was generated with the support of AI. This provides expats and others interested in the topic with straightforward, user-friendly access to a complex subject.