Pensions for young professionals I'm moving abroad

Planning to live abroad for a long time? You should consider your pension situation.

by UBS Insights 12 Mar 2020
Source: UBS

Avoid gaps in your AHV pension

Don't save in the wrong place: pay the annual minimum contribution into AHV even when you're abroad (2021: 503 francs). If necessary, you can make up contribution gaps within five years. But that's the limit, and your AHV pension will be reduced by about 2.3% for each contribution year that you miss.

What should you be aware of with regard to pension funds?

Your obligation to pay into your pension fund doesn't apply anymore when you end your employment in Switzerland. Some pension funds allow you to still remain insured for temporary stays abroad. If your pension fund doesn't offer this service, you can have your retirement savings maintained by the UBS Vested Benefits Foundation (

Retain your pillar 3a account, tax-free

By the way, you can't pay into pillar 3a if you don't have any income that is subject to AHV in Switzerland. However, you can still retain your pillar 3a account free of tax during your stay abroad.

Have you thought of everything?

Read the most important things to do if you move abroad.

More for tomorrow

Your pension is a topic that accompanies you in every phase of life. Get on the right track at an early age. Order your guide for young people under 35.