{"id":38675,"date":"2025-02-03T09:42:42","date_gmt":"2025-02-03T08:42:42","guid":{"rendered":"https:\/\/fidulex.ch\/?p=38675"},"modified":"2025-02-03T10:39:14","modified_gmt":"2025-02-03T09:39:14","slug":"withdrawing-your-2nd-pillar-conditions-and-procedure","status":"publish","type":"post","link":"https:\/\/fidulex.ch\/en\/withdrawing-your-2nd-pillar-conditions-and-procedure\/","title":{"rendered":"2nd pillar withdrawal: Conditions and procedure"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"38675\" class=\"elementor elementor-38675\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-58a8fa8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"58a8fa8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d705354\" data-id=\"d705354\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c11cf7c elementor-widget elementor-widget-heading\" data-id=\"c11cf7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How do I withdraw my 2nd pillar in Switzerland?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b7dc81 elementor-widget elementor-widget-text-editor\" data-id=\"4b7dc81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">The <a href=\"https:\/\/fidulex.ch\/en\/2nd-pillar-in-switzerland-how-it-works\/\" target=\"_self\"><strong>second pillar (occupational pension)<\/strong><\/a> is an essential component of Switzerland's three-pillar retirement system, aiming to ensure insured individuals maintain a comfortable standard of living after their professional activity ends. The capital accumulated in a second pillar, known as retirement assets, can be withdrawn entirely or partially before or after the retirement age.<\/p><p class=\"translation-block\">An early withdrawal can be made for several reasons, such as acquiring a primary residence, transitioning to self-employment, or permanently leaving Switzerland. Upon retirement, the minimum mandatory benefit provided by pension funds is one-quarter of the benefits as a lump-sum payment, upon the insured's request.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea098f4 elementor-widget elementor-widget-heading\" data-id=\"ea098f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conditions for withdrawing your BVG capital before retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-684e403 elementor-widget elementor-widget-text-editor\" data-id=\"684e403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Under certain strict conditions, the Swiss pension system allows you to withdraw your occupational pension assets (2\u1d49 pillar) before retirement age.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f07e92 elementor-widget elementor-widget-heading\" data-id=\"8f07e92\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1. Purchase of a principal residence<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c56677 elementor-widget elementor-widget-text-editor\" data-id=\"5c56677\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">You can use your <a href=\"https:\/\/fidulex.ch\/en\/withdrawal-epl-operation-and-conditions\/\" target=\"_self\">pension savings to finance the purchase<\/a>, construction, or renovation of your primary residence, repay a mortgage, or acquire shares in a housing construction cooperative.<\/p><p class=\"translation-block\">The property must be occupied by you as your <strong>primary residence<\/strong>. Until the age of 50, you can withdraw the entirety of your avoir de pr\u00e9voyance. After 50, the withdrawable amount is limited to either the prestation de libre passage acquired at 50 years old or half of the prestation de libre passage at the time of withdrawal, whichever is higher.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a19781 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6a19781\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Early withdrawal can only be requested every five years.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">If you are married or in a registered partnership, the written consent of your spouse or partner is required.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">If you sell the property financed by the early withdrawal, you must repay the amount withdrawn, unless the proceeds are reinvested in a new principal residence within 2 years.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c22bd4 elementor-widget elementor-widget-heading\" data-id=\"1c22bd4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">2. Starting a self-employed business<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d908e3f elementor-widget elementor-widget-text-editor\" data-id=\"d908e3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">If you stop your salaried activity to <strong><a href=\"https:\/\/fidulex.ch\/en\/becoming-independent-in-switzerland-in-2024-2\/\" target=\"_self\">become self-employed<\/a><\/strong> in Switzerland, you can <strong><a href=\"https:\/\/fidulex.ch\/en\/lpp-withdrawal-to-start-a-freelance-business\/\" target=\"_self\">withdraw the entirety of your LPP capital<\/a><\/strong>. To do so, you must provide <strong>proof<\/strong> of your new self-employed activity, such as a registration in the commercial register or AVS documents.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25233b2 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"25233b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Application for withdrawal must be made within one year of starting self-employment.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">If you are married or in a registered partnership, the written consent of your spouse or partner is required.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-right-arrow1\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">This option only applies to self-employed persons in Switzerland (excluding corporations and limited liability companies).<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56ca7ab elementor-widget elementor-widget-heading\" data-id=\"56ca7ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">3. Final departure from Switzerland<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8436843 elementor-widget elementor-widget-text-editor\" data-id=\"8436843\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">However, in the event of departure to a country in the <strong>EU or EFTA<\/strong>, due to agreements on the free movement of persons, the mandatory portion of your avoir LPP must remain in Switzerland in a <strong>vested benefits<\/strong> account until retirement age, unless you can prove that you will not be subject to the social security system of your new country of residence. The <strong>non-mandatory<\/strong> portion can be withdrawn immediately.<\/p><p>On the other hand, if you are moving to an<strong>EU or EFTA, e<\/strong>ue to the agreements on the free movement of persons, the compulsory portion of your BVG\/LPP credit must remain in Switzerland in an account of <strong>free passage<\/strong> until retirement age, unless you can prove that you will not be subject to the social security system in your new country of residence. The <strong>supplementary<\/strong> can be removed immediately.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a25870 elementor-widget elementor-widget-heading\" data-id=\"4a25870\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Withdrawing BVG\/LPP assets on retirement<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23389d1 elementor-widget elementor-widget-text-editor\" data-id=\"23389d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When they reach retirement age, policyholders can access their accumulated assets according to the terms and conditions of their pension fund. In all cases, policyholders will be able to withdraw at least 1\/4 of their accumulated retirement savings.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17876f8 elementor-widget elementor-widget-heading\" data-id=\"17876f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Reaching retirement age<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dac1e11 elementor-widget elementor-widget-text-editor\" data-id=\"dac1e11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Retirement age is set at <strong>65 years old<\/strong> for men and <strong>64 years old<\/strong> for women. At this age, you can withdraw the funds accumulated in your 2nd pillar.<\/p><p>Some pension funds allow early withdrawal <strong>from 58<\/strong> years in the case of early retirement. Conditions vary according to the pension fund regulations.<\/p><p class=\"translation-block\">If you continue working beyond the standard retirement age, it is possible to <strong>defer the withdrawal<\/strong> of your LPP assets until <strong>70 years<\/strong>, subject to the provisions of your pension fund.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c59ac20 elementor-widget elementor-widget-heading\" data-id=\"c59ac20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Forms of withdrawal<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-01d17e5 elementor-widget elementor-widget-text-editor\" data-id=\"01d17e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>By default, Pillar 2 retirement benefits are paid in the form of <strong>annuity<\/strong> monthly annuity for life. The monthly pension is made up of the accumulated retirement capital plus interest, multiplied by the conversion rate (<strong>6.8%<\/strong>).<\/p><p class=\"translation-block\">According to your pension fund\u2019s regulations, you can choose to <strong>withdraw all or part<\/strong> of your assets as a lump-sum payment. It is important to note that this option requires a <strong>written request<\/strong> submitted within a specific timeframe before retirement. Deadlines vary by institution, so it is essential to inquire in advance.<\/p><p class=\"translation-block\">Capital withdrawals from the 2nd pillar are <strong><a href=\"https:\/\/fidulex.ch\/en\/lpp-withdrawal-tax-and-conditions\/\" target=\"_self\">taxed at a reduced rate<\/a><\/strong>, separately from other income. Therefore, it is wise to plan this withdrawal while considering the tax impact and, if possible, to <strong>spread<\/strong> the withdrawals over several years to mitigate the progressive nature of taxation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f38abd elementor-widget elementor-widget-heading\" data-id=\"0f38abd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d3b678 elementor-widget elementor-widget-toggle\" data-id=\"3d3b678\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6421\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6421\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">When can I withdraw my 2nd pillar before retirement age?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6421\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6421\"><p>It is possible to withdraw assets from the 2nd pillar in the following cases:<\/p><ul><li><p><strong>Buying a primary residence<\/strong> To finance the purchase, construction or renovation of your principal residence.<\/p><\/li><li><p><strong>Setting up your own business<\/strong> : If you become self-employed in Switzerland.<\/p><\/li><li><p><strong>Definitive departure from Switzerland<\/strong> : If you are leaving the country permanently.<\/p><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6422\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6422\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the tax implications of an early withdrawal?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6422\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6422\"><p>The early withdrawal is subject to capital gains tax at a reduced rate, separately from other items of income.<\/p><p>If you plan to withdraw your assets, you must not make any buy-backs during the preceding 3 years. Otherwise, the tax savings will be cancelled.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6423\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6423\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Can I repay the capital withdrawn before retirement?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6423\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6423\"><p>Yes, you can make purchases into the pension fund up to 3 years before retirement age, thereby replenishing your pension benefits.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-6424\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6424\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"icon icon-plus-circle\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened icon icon-circle-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">What are the consequences of an early withdrawal on my pension benefits?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-6424\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6424\"><p>Withdrawing early reduces your retirement assets, which in turn reduces your future retirement pensions and, more generally, your insurance benefits (disability, survivors' benefits).<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\n    \"@context\": \"https:\\\/\\\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Dans quelles situations puis-je retirer mon 2\\u00e8me pilier avant l'\\u00e2ge de la retraite ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Il est possible de retirer son avoir du 2\\u00e8me pilier dans les cas suivants:<\\\/p><ul><li><p><strong>Achat de r\\u00e9sidence principale<\\\/strong> : Pour financer l&rsquo;achat, la construction ou la r\\u00e9novation de votre logement principal.<\\\/p><\\\/li><li><p><strong>D\\u00e9part pour une activit\\u00e9 ind\\u00e9pendante<\\\/strong> : Si vous devenez ind\\u00e9pendant en Suisse.<\\\/p><\\\/li><li><p><strong>D\\u00e9part d\\u00e9finitif de la Suisse<\\\/strong> : Si vous quittez d\\u00e9finitivement le pays.<\\\/p><\\\/li><\\\/ul>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Quelles sont les implications fiscales d'un retrait anticip\\u00e9 ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Le retrait anticip\\u00e9 est soumis \\u00e0 l&rsquo;imp\\u00f4t sur les prestations en capital, \\u00e0 un taux r\\u00e9duit, s\\u00e9paremment des autres \\u00e9l\\u00e9ments du revenu.<\\\/p><p>Si un retrait de votre avoir est envisag\\u00e9, vous ne devrez pas effectuer de rachats durant les 3 ann\\u00e9es aui pr\\u00e9c\\u00e8dent. Sinon, les \\u00e9conomies d&rsquo;imp\\u00f4t seront annul\\u00e9es.<\\\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Puis-je rembourser le capital retir\\u00e9 avant la retraite ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Oui, vous pouvez effectuer des rachats dans la caisse de pension jusqu&rsquo;\\u00e0 3 ans avant l&rsquo;\\u00e2ge de la retraite, ce qui permet de reconstituer les prestations de pr\\u00e9voyance.<\\\/p>\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Quelles sont les cons\\u00e9quences d'un retrait anticip\\u00e9 sur mes prestations de pr\\u00e9voyance ?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"<p>Un retrait anticip\\u00e9 r\\u00e9duit votre avoir de pr\\u00e9voyance, diminuant ainsi vos futures rentes de retraite et g\\u00e9n\\u00e9ralement les prestations d&rsquo;assurance (invalidit\\u00e9, survivants).<\\\/p>\"\n            }\n        }\n    ]\n}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>It is possible to withdraw all or part of your BVG retirement savings once you have retired, depending on your pension fund regulations. However, it is sometimes possible, under certain conditions, to withdraw your 2nd pillar before retirement age. <\/p>","protected":false},"author":1,"featured_media":38677,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","footnotes":""},"categories":[59],"tags":[],"class_list":["post-38675","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-prevoyance"],"_links":{"self":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/38675","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/comments?post=38675"}],"version-history":[{"count":10,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/38675\/revisions"}],"predecessor-version":[{"id":38687,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/posts\/38675\/revisions\/38687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/media\/38677"}],"wp:attachment":[{"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/media?parent=38675"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/categories?post=38675"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fidulex.ch\/en\/wp-json\/wp\/v2\/tags?post=38675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}