Pension Consultancy
Optimise Your Swiss State Pension Fund When...
MISSING CONTRIBUTIONS
Contribution gaps that are no older than 5 years can be closed by paying from approx. CHF 500.- per gap year. In turn, your annual Swiss state pension will increase by 2.27% for each gap closed.
LEAVING SWITZERLAND
If your destination country does not have a social security agreement with Switzerland, you can apply for a refund of your OASI pension fund contributions made by you and your employer.
Let investian takes care of the state pension bureaucracy on your behalf.
My Services
investian helps you close contribution gaps by providing the following services:​
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Contact with your local OASI administration office
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Organisation of your personal OASI account statement
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Organisation of the minimum contribution payment for any contribution gaps not going back more than 5 years
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Calculation of your projected monthly Swiss state pension
investian ensures your pension has been optimised when you leave Switzerland by providing the following services:​
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Contact with the Swiss Compensation office in Geneva
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Completion and submission of the claim for refund of OASI contributions
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Application for an old-age pension for persons residing outside of Switzerland
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Ensure all documentation is submitted correctly
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Case-handling until closure
Missing Contributions
Missing contribution years, also known as contribution gaps, lead to a lower pension for the entire period that you are entitled to benefits. For each missing contribution year, your Swiss state pension will be reduced by 1/44th or 2.27%. ​
Contribution gaps ensue when contributions are not paid regularly into the OASI. Reasons for contribution gaps include:
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Time spent living outside Switzerland
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Full-time education
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Part-time jobs with different employers
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Contribution gaps that have ensued within the last 5 years can be closed by paying in an annual contribution of between min. CHF 514.- and max. CHF 25'700.-
The annual contribution fee is dependent on Assets and Pension Income multiplied by 20.
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Leaving Switzerland
Switzerland has social security agreements with the EU /EFTA, Australia, Bosnia & Herzegovina, Brazil, Canada, Chile, Israel, Japan, Kosovo, North Macedonia, Montenegro, Philippines, Quebec, San Marino, Serbia, Turkey, UK, USA and Uruguay.
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If you are moving to one of the countries mentioned above, your Swiss OASI pension can be paid out abroad.
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If Switzerland does not have a social security agreement with the country where you plan to live i.e. a country not included in the list above, you lose your entitlement to the Swiss state pension.
However, provided you have paid contributions for 12 months or more, you may be entitled to an interest-free refund of the contributions that you and your employer have paid into the OASI fund.
Are you entitled to a refund of your OASI contributions?
1) Australia, Brazil, China, India, South Korea, Tunisia, Uruguay and Philippine citizens have the choice between a pension and a refund of their contributions.
Conditions of eligibility for reimbursement
The following conditions must be met for a refund:
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You must have paid contributions for at least 1 year
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You and your family (spouse and children under 25) must have left Switzerland or are intending to do so
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If you have adult children under 25 who remain in Switzerland, they must have completed their education
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Exception:
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If you live in an EU/EFTA country and your spouse is a citizen of Switzerland or an EU/EFTA country, you are not eligible for reimbursement of OASI contributions