Secure retirement provision for expats in Switzerland Start planning early for retirement

Robert, aged 64, has lived with his wife and son in Switzerland for many years and will be retiring soon. Which benefits can he expect? Answering this question is very complex for expats in particular. Planning well and in good time helps to ensure a secure retirement provision.

Switzerland is admired worldwide for its three-pillar retirement provision. The system has proven to be very robust, even in turbulent times. Pension recipients receive a secure income after a long working life and can thus enjoy a comfortable retirement.

Expats like Robert, who moved from Austria to Switzerland with his wife many years ago, benefit from this. However, an in-depth analysis for expats in particular is very important as they may have a pension shortfall owing to fewer years of contributions.


Complete support with insurance needs

Daniel Ahmeti and his team of professional insurance advisers at Helvetia are here to offer comprehensive insurance advice tailored to the needs of international people living in Switzerland.


Advisor Michael Metry was able to show Robert and his wife which benefits come from which employee benefit institution at retirement and what needs to be done.

Ideally, people should begin to plan as early as possible, preferably at age 50, says Michael Metry, Pensions Specialist for Expats at Helvetia. This allows key questions to be addressed, such as: 

  • Which benefits are Robert and his wife entitled to at retirement from OASI/ AHV/AVS and the pension fund?
  • In what form and as of what time can benefits be drawn?
  • What will the son receive if his parents die?

This type of analysis makes it possible to calculate any shortfalls and to close these gaps in good time with appropriate pension solutions, so that people can enjoy their customary standard of living also in retirement. Shortly before and around the time of retirement there are many other questions to answer, as well as deadlines and formalities that need to be met and dealt with. Professional advice can show expats which benefits they and their family members can receive in old age. It also helps them to request pension entitlements in their former countries correctly or to register OASI/ AHV/ AVS pensions in good time in Switzerland.

A professional pensions expert will help you find a tailored solution during a personal consultation. Connect with Helvetia's specialised advisors.

Author: Michael Metry

Michael Metry works as an insurance and pension advisor at Helvetia’s Rapperswil general agency and specializes in advising newcomers. Helvetia Insurance has been one of Switzerland's leading insurance companies for 160 years. Helvetia offers customized solutions for a wide variety of insurance needs including private pensions and occupational benefits, indemnity insurance and mortgages.

provided by

Take control of your relocation

Free guidance and support lets you take control of your own relocation.

Order extra support easily if you need it.

» Browse our Relocation Store

Featured Partners Thanks to all supporting partners of Hello Switzerland