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The 2nd Pillar Buy-In Trap: How Switzerland’s ‘Safe’ Retirement Option Penalizes Late Starters
Switzerland

The 2nd Pillar Buy-In Trap: How Switzerland’s ‘Safe’ Retirement Option Penalizes Late Starters

A 30-year-old Swiss teacher earning CHF 4,000 faces the classic pension dilemma after clearing debt. The math reveals why conventional wisdom about 2nd pillar buy-ins might cost her thousands in missed opportunity.

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