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In special cases, you may draw on your pension (pension assets) before retirement, if you intend to purchase property, become self-employed or leave Switzerland permanently, for example.
You may use your pension funds to purchase property, to repay mortgage loans or to acquire shares in a housing cooperative. Please note:
Ask your pension company (pension fund or vested benefits institution) about the withdrawal procedures and deadlines. The pension company will let you know what documents you need.
You may also draw on your pension if you become self-employed and no longer need to pay into a compulsory pension plan.
You must provide proof to the pension company that you are self-employed, such as a rental agreement for office space, purchase of material, AHV confirmation, entry in the commercial register, etc. You must submit your request with the pension company in the year after you become self-employed. Married persons must provide the written consent of their spouse (the same applies to persons in registered partnerships).
You may draw on your pension if you can prove that you are leaving Switzerland permanently to settle abroad.
Anyone leaving Switzerland to settle in an EU/EFTA member state, may generally not cash in their pension from the compulsory pension plan as persons in the new country of domicile are insured by law to receive old age, survivors' and invalidity benefits. The mandatory portion of your pension assets must therefore remain in a blocked account (vested benefits account or policy) in Switzerland and can only be paid out when you reach retirement age. The extra-mandatory portion of your pension, however, may be paid out in cash. The mandatory and extra-mandatory portions of your pension are listed on the personal insurance certificate under the heading ‘Retirement provision information’.
Contact the pension fund you paid into with your last employer or the vested benefits institution where you have an account or a policy. Notify them of your departure from Switzerland and provide them with the necessary documents.