It’s a highly personal choice that depends on your financial situation, assets, budget, expenses, and marital status.

First of all, you need to make sure that your pension fund allows you to retire at 58, as AVENA does. If you do retire at 58, you will still need to make AVS payments until you reach the legal retirement age.

You will have to contact your private pension institution and send them AVENA’s bank details, specifying that you are making a transfer to your occupational pension.

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.

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

Until you retire, you will continue contributing to your pension within the system of the country where you are residing. The amount of your AVS pension will be adjusted according to your contributions. Certain conditions apply to specific cases. 

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

Voluntary contributions will allow you to obtain maximum retirement benefits under the agreement signed by your employer.

Your pension is calculated by multiplying the amount of your retirement savings by the conversion rate. 

The maximum amount for voluntary contributions will be calculated based on your salary at the time that you decide to pay into your pension. You can use AVENA’s simulation tool to calculate how much you should contribute.