FAQ

If you are a member of an occupational pension fund, both you and your employer must make contributions to your pension in accordance with the agreement you have signed.

If you continue working after 65, you can continue saving for your retirement in accordance with AVENA’s regulations.

According to the regulations, your AVS pension can be maintained until your contract is terminated, up until the age of 70 and with the agreement of your employer. Both you and your employer will continue making contributions to your pension.

You can find the information you need at Information bulletin - Article 47a LPP.

You can find the necessary forms at documents.

In order to join a pension fund, you have to be employed. Now that the AVS 21 reform has been adopted, you have the right to withdraw part of your retirement benefits – the amount will be proportionate to the change in your employment rate if you decide to reduce it after turning 58. You can collect your pension in three lump-sum withdrawals.
If you are no longer employed, you can maintain your pension savings with up to two vested benefits accounts at two different institutions.
 

A cash withdrawal is only possible if you are primarily self-employed and no longer subject to compulsory occupational pension insurance. You will be subject to a one-off tax at a reduced rate (in Vaud, one-fifth of the usual rate). The federal tax is also set at one-fifth of the usual rate. The pension fund is required to inform the Swiss Federal Tax Administration (FTA) that you have received this lump-sum payment. You must also inform your cantonal tax authority.

Yes, as long as it is transferred to two accounts at two different institutions.

Your employer will inform us that your employment contract is ending. We will send you an addendum to the termination notice, which you can use to let us know that you will be leaving Switzerland for good. You will have to send us the necessary supporting documents, including a certificate of departure issued by the local resident registration office, proof that your work permit has been cancelled, and proof of residence issued by your new country of residence.

You can find this information in the online portal. If you no longer have your login details, please contact your relationship manager, who will help you.

If you leave Switzerland for an EU country (plus Iceland and Norway), you won’t be able to withdraw all of your vested termination benefits if the country you’re going to has a mandatory occupational pension system (such as France’s social security system). You will be able to withdraw only the supplementary portion of your benefits, that’s to say, the amount your employer contributed above the legal minimum. The amount that corresponds to the legal minimum under the LPP will have to be transferred to a vested benefits account or policy. That doesn’t mean you lose that money. As early as five years before the legal retirement age, you can ask the vested benefits foundation where your retirement savings are held to pay you the entirety of your savings.

If you leave Switzerland for a country outside the EU, you can withdraw all of your vested termination benefits. 
 

Contact your AVENA relationship manager or fill out the contact form on our website (lpp-avena.ch/en).

Please contact your relationship manager, who will tell you what to do.

You can find this information in the online portal. If you no longer have your login details, please contact your relationship manager, who will help you.

You can find our forms at https://www.lpp-avena.ch/en/practical-information.

You can find this information in the online portal. If you no longer have your login details, please contact your relationship manager, who will help you.