{"id":6990,"date":"2026-02-04T09:10:44","date_gmt":"2026-02-04T08:10:44","guid":{"rendered":"https:\/\/finberg.ch\/?page_id=6990"},"modified":"2026-02-05T16:03:32","modified_gmt":"2026-02-05T15:03:32","slug":"immigration-counselling","status":"publish","type":"page","link":"https:\/\/finberg.ch\/en\/immigration-counselling\/","title":{"rendered":"Emigration counselling"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"6990\" class=\"elementor elementor-6990\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-59c9b8e6 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"59c9b8e6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-799f8000\" data-id=\"799f8000\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72931263 elementor-widget elementor-widget-heading\" data-id=\"72931263\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Emigration counselling<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-61108c3 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"61108c3\" data-element_type=\"section\" id=\"emigration\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b319b3f\" data-id=\"b319b3f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b0ecc9 elementor-widget elementor-widget-image\" data-id=\"9b0ecc9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"515\" src=\"https:\/\/finberg.ch\/wp-content\/uploads\/2024\/05\/AdobeStock_558118849-2-1024x659.jpeg\" class=\"attachment-large size-large wp-image-5363\" alt=\"\" srcset=\"https:\/\/finberg.ch\/wp-content\/uploads\/2024\/05\/AdobeStock_558118849-2-1024x659.jpeg 1024w, https:\/\/finberg.ch\/wp-content\/uploads\/2024\/05\/AdobeStock_558118849-2-300x193.jpeg 300w, https:\/\/finberg.ch\/wp-content\/uploads\/2024\/05\/AdobeStock_558118849-2-768x494.jpeg 768w, https:\/\/finberg.ch\/wp-content\/uploads\/2024\/05\/AdobeStock_558118849-2-1536x988.jpeg 1536w, https:\/\/finberg.ch\/wp-content\/uploads\/2024\/05\/AdobeStock_558118849-2-2048x1318.jpeg 2048w, https:\/\/finberg.ch\/wp-content\/uploads\/2024\/05\/AdobeStock_558118849-2-18x12.jpeg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-21ce6e1\" data-id=\"21ce6e1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b17576 elementor-widget elementor-widget-heading\" data-id=\"0b17576\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Emigration counselling when leaving Switzerland<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75552cb elementor-widget elementor-widget-text-editor\" data-id=\"75552cb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Moving abroad should be planned with foresight. Without targeted planning, unnecessary tax burdens, gaps in pension provision or financial disadvantages can arise. Not every country treats pension assets from Switzerland in the same way and, depending on the future country of residence, the <a href=\"https:\/\/finberg.ch\/en\/advisor\/taxation-of-pension-assets-abroad\/\">tax burden<\/a> vary greatly.<\/p>\n<p>We offer you personalised, forward-looking emigration advice that makes complex issues understandable and identifies specific solutions. Together and, depending on the situation, in collaboration with local tax and pension experts, we analyse your situation and develop a strategy that optimises your departure from a tax perspective and secures your pension provision in the long term.&nbsp;<\/p><p>We are also happy to create a customised <a href=\"https:\/\/finberg.ch\/en\/retirement-planning-for-emigrants\/\">Pension planning for emigrants.<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b327d6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1b327d6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/finberg.ch\/wp-content\/uploads\/2025\/11\/Checkliste-Auswandern.pdf\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-file-pdf\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Emigration checklist<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f3afc22 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"f3afc22\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/finberg.ch\/en\/contact-counselling\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Emigration counselling<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-element elementor-element-b53b7a0 e-flex e-con-boxed e-con e-parent\" data-id=\"b53b7a0\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94eb3b4 elementor-widget elementor-widget-text-editor\" data-id=\"94eb3b4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Emigrating from Switzerland - professionally planned.<\/strong><br data-start=\"249\" data-end=\"252\" \/>We accompany you during <a href=\"https:\/\/www.eda.admin.ch\/eda\/de\/home\/leben-im-ausland\/auslandaufenthalt\/auswandern.html\" target=\"_blank\" rel=\"noopener\">Moving abroad<\/a>We will check and optimise the tax implications, pension fund, AHV and residence formalities. In this way, you can organise your stay abroad safely, financially optimised and carefree, whether in an EU country or outside the EU.\u00a0<\/p><p><span data-start=\"594\" data-end=\"676\"><b>Reduce taxes on pension fund withdrawals<br \/><\/b><\/span><span style=\"font-size: 1rem;\">Benefits and\u00a0<\/span><span style=\"font-size: 1rem;\">You can rely on our expertise for smooth implementation and<\/span><span style=\"font-size: 1rem;\">\u00a0tax-optimised payout of your pension fund assets.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-71fb319 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71fb319\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8c0d544\" data-id=\"8c0d544\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8657543 elementor-widget elementor-widget-heading\" data-id=\"8657543\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Representation abroad after moving away<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26ca7e5 elementor-widget elementor-widget-text-editor\" data-id=\"26ca7e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"266\" data-end=\"337\"><span style=\"color: #717171; font-size: 1rem;\">If you emigrate from Switzerland as a private individual, you may still have obligations towards Swiss authorities or financial institutions.\u00a0<\/span><\/p><p data-start=\"612\" data-end=\"860\">We ensure that official mail is received correctly and processed on time. We represent you vis-\u00e0-vis the tax authorities, take care of correspondence and ensure that all documents are forwarded correctly.<\/p><p data-start=\"862\" data-end=\"916\"><strong data-start=\"862\" data-end=\"914\">Services for private individuals abroad:<\/strong><\/p><ul data-start=\"917\" data-end=\"1211\"><li data-start=\"917\" data-end=\"965\"><p data-start=\"919\" data-end=\"965\">Delivery address and representation in Switzerland<\/p><\/li><li data-start=\"966\" data-end=\"1020\"><p data-start=\"968\" data-end=\"1020\">Receipt and forwarding of mail<\/p><\/li><li data-start=\"1021\" data-end=\"1095\"><p data-start=\"1023\" data-end=\"1095\">Tax representation of private individuals with limited tax liability <em>(for example, property ownership)<\/em><\/p><\/li><li data-start=\"1096\" data-end=\"1153\"><p data-start=\"1098\" data-end=\"1153\">Processing the tax return<\/p><\/li><li data-start=\"1154\" data-end=\"1211\"><p data-start=\"1156\" data-end=\"1211\">Personalised advice on individual issues<\/p><\/li><\/ul><p data-start=\"1213\" data-end=\"1429\">We make sure that you can take care of the important things abroad while we take care of your affairs in Switzerland.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-eb4ac89 elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eb4ac89\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e267476\" data-id=\"e267476\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b48b8e elementor-widget elementor-widget-heading\" data-id=\"7b48b8e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ - Emigration: Taxes, pensions and health insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-339ed35 elementor-widget elementor-widget-n-accordion\" data-id=\"339ed35\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5410\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5410\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Will I receive my AHV pension abroad? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5410\" class=\"elementor-element elementor-element-af15f3c e-con-full e-flex e-con e-child\" data-id=\"af15f3c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6aedf1e elementor-widget elementor-widget-text-editor\" data-id=\"6aedf1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>AHV pensions can be paid out worldwide, regardless of place of residence. The <a href=\"https:\/\/www.eda.admin.ch\/countries\/slovenia\/de\/home\/leben-im-ausland\/ruhestand-im-ausland.html\" target=\"_blank\" rel=\"noopener\">Swiss Compensation Office<\/a> generally transfers the benefits in the currency of the country of residence. Alternatively, it is possible to have the pension credited to a personal bank or postal account in Switzerland. For matters relating to AHV abroad, the <a href=\"https:\/\/www.zas.admin.ch\/de\" target=\"_blank\" rel=\"noopener\">Central Compensation Office ZAS<\/a> responsible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5411\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5411\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can \/ must I continue to make voluntary AHV contributions?  <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5411\" class=\"elementor-element elementor-element-25aa7d6 e-con-full e-flex e-con e-child\" data-id=\"25aa7d6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9912ab elementor-widget elementor-widget-text-editor\" data-id=\"b9912ab\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Swiss nationals who move to a country outside the EU\/EFTA may be subject to the <a href=\"https:\/\/www.ahv-iv.ch\/de\/Sozialversicherungen\/Glossar\/term\/freiwillige-versicherung\" target=\"_blank\" rel=\"noopener\">voluntary AHV\/IV<\/a> The right to join the AHV\/IV scheme applies to persons who have been subject to compulsory AHV\/IV insurance for the last five years and who register with the competent Swiss representation within one year. Persons who move to an EU\/EFTA country do not have the right to join; they are subject to compulsory insurance in their country of residence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5412\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5412\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the tax consequences of withdrawing capital abroad? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5412\" class=\"elementor-element elementor-element-769f7fc e-con-full e-flex e-con e-child\" data-id=\"769f7fc\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66c454e elementor-widget elementor-widget-text-editor\" data-id=\"66c454e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When withdrawing capital from the pension fund (Pillar 2 or 3a) from abroad, a withholding tax is levied in the canton where the pension fund is domiciled. This is generally lower than the regular capital payment tax. Depending on the double taxation agreement, the withholding tax can be reclaimed in full or in part in the country of residence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5413\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5413\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I have my pension fund assets paid out when I move away? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5413\" class=\"elementor-element elementor-element-d17afda e-con-full e-flex e-con e-child\" data-id=\"d17afda\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6340a8b elementor-widget elementor-widget-text-editor\" data-id=\"6340a8b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Within the EU\/EFTA:<br \/><\/strong>Only the non-mandatory portion can be paid out in cash; the mandatory portion must be transferred to a vested benefits account or a vested benefits policy until retirement age. In exceptional cases, a full payout is also possible within the EU.<\/p><p><strong>Outside the EU\/EFTA:<br \/><\/strong>In principle, a full payout is possible.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5414\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5414\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Should I take my pension fund assets with me as a lump sum or is a pension abroad more secure? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5414\" class=\"elementor-element elementor-element-5ba8e4b e-con-full e-flex e-con e-child\" data-id=\"5ba8e4b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b7b8af elementor-widget elementor-widget-text-editor\" data-id=\"1b7b8af\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This should be checked on an individual basis: Lump-sum withdrawals can be optimised for tax purposes, but a regular pension can also offer predictability and security abroad. A specific recommendation requires individual advice.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5415\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5415\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How does the reclaim of Swiss withholding tax from abroad work? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5415\" class=\"elementor-element elementor-element-fbe63d3 e-con-full e-flex e-con e-child\" data-id=\"fbe63d3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7aeb277 elementor-widget elementor-widget-text-editor\" data-id=\"7aeb277\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If there is a double taxation agreement with your country of residence and the right of taxation is assigned to the country of residence, the withholding tax levied in Switzerland can be reclaimed. The prerequisite for this is proof of registration in the country of residence or actual taxation there. The reclaim is made via a corresponding <a href=\"https:\/\/www.estv.admin.ch\/estv\/de\/home\/verrechnungssteuer\/vst-rueckerstatten\/vst-quellensteuer.html\" target=\"_blank\" rel=\"noopener\">Refund procedure.<\/a><br \/>A distinction is also made between a former employer under public and private law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5416\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5416\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I keep my Swiss health insurance abroad? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5416\" class=\"elementor-element elementor-element-c7ab461 e-con-full e-flex e-con e-child\" data-id=\"c7ab461\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1388ef7 elementor-widget elementor-widget-text-editor\" data-id=\"1388ef7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This must be checked individually. It may be possible to maintain Swiss health insurance if you move to an EU\/EFTA country. If you move to a third country (outside the EU\/EFTA), statutory health insurance (KVG basic insurance) is no longer possible in Switzerland.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5417\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5417\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\">  Do I need a representative in Switzerland if I move abroad? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" role=\"region\" aria-labelledby=\"e-n-accordion-item-5417\" class=\"elementor-element elementor-element-d2d3603 e-con-full e-flex e-con e-child\" data-id=\"d2d3603\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-160ecc9 elementor-widget elementor-widget-text-editor\" data-id=\"160ecc9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>One <a href=\"https:\/\/www.eda.admin.ch\/countries\/slovenia\/de\/home\/leben-im-ausland\/ruhestand-im-ausland.html\" target=\"_blank\" rel=\"noopener\">Representation<\/a> in Switzerland is not always required by law, but can be very useful. It ensures that official mail and important documents are processed on time. Representation can avoid unnecessary delays and legal problems, particularly in the case of limited tax liability, property ownership or ongoing obligations to the authorities.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Auswanderungsberatung beim verlassen der Schweiz Ein Auslandwegzug sollte vorausschauend geplant werden. Ohne gezielte Planung k\u00f6nnen unn\u00f6tige Steuerlasten, L\u00fccken in der Altersvorsorge oder finanzielle Nachteile entstehen. Nicht jedes Land behandelt Vorsorgeguthaben aus der Schweiz gleich und je nach k\u00fcnftigem Wohnsitzstaat kann die steuerliche Belastung stark variieren. Wir bieten Ihnen eine pers\u00f6nliche, vorausschauende Auswanderungsberatung, die komplexe Themen [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-6990","page","type-page","status-publish","hentry"],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-05-04 17:01:51","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/6990","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/comments?post=6990"}],"version-history":[{"count":14,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/6990\/revisions"}],"predecessor-version":[{"id":7130,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/6990\/revisions\/7130"}],"wp:attachment":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/media?parent=6990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}