#Säule 2

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February 5, 2026

Your Swiss Pension’s 4.7% Return Is a Mathematical Illusion

The guaranteed payout rate on Swiss occupational pensions looks attractive, until you run the numbers on what you’re really giving up. Here’s why taking the lump sum might beat the pension for high earners.

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Your Swiss Pension Vanishes: The Inheritance Trap in Pillar 2 That Most Expats Never See Coming

Switzerland

February 5, 2026

Your Swiss Pension Vanishes: The Inheritance Trap in Pillar 2 That Most Expats Never See Coming

That 1.2 million CHF in your Pensionskasse (pension fund) looks impressive, until you realize choosing the annuity means your children inherit exactly zero. Here’s how Switzerland’s occupational pension system systematically dismantles family wealth transfer.

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