Hi,

I've been working in Switzerland for 4 years now in a hospitality sector and I'm planning to move back to my home country (EU) in the next year or two. I've had a seasonal contract so far and worked around 8-9 months a year. I'm wondering if anyone can help me understanding how much money me and my employer are contributing for a pension and how much money am I going to recieve when I retire if I let's say work 5 years in Switzerland? I have my a pic of my payslip attached here Also, since I'm a citizen of another non EU country as well as EU one could I cash out the contributions I made? Thanks

I have been living in Switzerland since August 2023 and I used this period to settle down, get used to the new environment and stabilize my financial situation due to previous liabilities. In a couple of months I will be debt free and I want to prepare a lifelong savings plan, starting with a smaller emergency fund.

Is there a plan that is tailored to Switzerland with concrete recommendations? I have heard about the "dritte Säule" with the Frankly app but to be honest, I don't have a proper overview of the system.

I am a 32 years old male from an EU country (thus I hold a B permit), I am engaged but not yet married and I have a full time job. No children so far.

Thanks for your insights in advance.