The 3-pillar system, in plain English
AHV (1st), occupational BVG (2nd) and private 3a/3b — what's automatic, what's optional and where you actually have a choice.
04Investments hub
A portfolio that moves with you
Pension and investing decisions you make in Switzerland follow you for decades — and across borders. We design portfolios that survive the move home.
Pillar 3a — invested, not just saved
Why holding 3a in a fund (not a bank deposit) compounds materially over 20–30 years, and how to pick providers.
ETFs & global portfolios
Building a low-cost, tax-efficient portfolio from Switzerland — including the L-QIF and US estate-tax pitfalls.
Vested benefits when you leave
Moving your 2nd pillar to a vested benefits account, partial withdrawals and what changes if you head to the EU vs overseas.
Not sure where to start? We are.
A 30-minute call with a Hello Expats advisor — no obligation, no fees.