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February 5, 2026

The Pillar 2 Pension Trap: Why Switzerland’s ‘Safe’ Retirement Bet Is Costing You Your Legacy

The math behind Switzerland’s Pillar 2 pension conversion rates hides a brutal truth: choosing the annuity means betting against your own longevity and sacrificing your children’s inheritance. Here’s why the lump sum might be the smarter move, for some.

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