Not Putting in 2nd Pilar.

[seeking456]

@am29 I did some online research, it seems that this depends on the PK. So it is very individual.

 

[tinisha]

@elliottp According to an estimation from the SNB, it is less than 5% that is held in Freizügigkeits accounts

https://data.snb.ch/de/topics/uvo/c...013&toDate=2022&dimSel=D1(BUEF,AKKF,AGV,AGVF)

Also, be carefull about the insurance coverage of the second pillar. It‘s sometimes less, if you don‘t put everything in the pension fund.

 

[annaad0617]

@seeking456 It's mandatory by law but also by law there are appaerntly no sanctions.

It's... an interesting aspect of personal finance.

 

[emmasmithlondon]

@seeking456 You can do it no problems.
But you have to check your 2nd pillar. If your prestations are based on income do it, if it is based on what yiu habe on it, dont.

 

[resjudicata]

@seeking456 What about PK in case of death or invalidity? No disadvantage?

It sounds interesting

Anyone any thoughts?

 

[tracksteps]

@resjudicata I did this last year. The PK was not happy about it. And they said I have disadvantages in case of death or invalidity. When I log into my PK account I cannot see these disadvantages. I guess not many people did it before. But I gave it a try.

 

[am29]

@tracksteps I don't follow, they said you had these disadvantages but you couldn't see them when yiu log in ?

Were you forced to transfer ?

 

[tracksteps]

@am29 Say said my Invaliditätsrente would lower if I don't transfer everything. I can login at my PK and see my Invaliditätsrente. In my account I cannot see that it has been lowered.

So no. I was not forced. And I didn't do it. I feel a little bit like a criminal but I like it

 

[johnprakashjha]

@seeking456 Vermögenzentrum writes this to it: „Es ist nicht unbedingt ein Vorteil, Guthaben zu verschweigen. Abhängig vom Pensionskassenmodell können schlechtere Leistungen bei Invalidität und im Todesfall resultieren.“

https://www.vermoegenszentrum.ch/wissen/freizugigkeitsguthaben-beim-stellenwechsel

 

[resjudicata]

@seeking456 I wonder if it’s possible to get the surobligatory part out of my existing second pillar and transfer it into a freizügigkeitskonto. It would do so much better in the long run.

 

[am29]

@resjudicata Why would you do that with only the surobligatory part and not both parts ?

 

[resjudicata]

@am29 That would be even better yeah

 

[dorian01]

@seeking456 I worked at job A and switched to Job B. Do I have to tell Job A 2nd pillar to move it into job B 2nd pillar? What if I dont do it?