This topic was covered in the old forum - if you receive your main state pension from CH, depending on which country to move to, you may anyway be required to have CH health insurance (at a slightly lower premium than for people living here)
Except if you are from certain countries that have an agreement with Switzerland, Spain and Italy being 2 of the ones I know and there may be others.
Retire somewhere close, nice and sunny and the kids will love coming over anyway 
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Yeah but weâve seen what that did to our parents and I still think itâs not exactly what I want. Combining living in two places (6 months per year in one place, 6 months per year here) might do the trickâŠ?
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Personal choices, personal circumstances. I personally cannot imagine moving my stuff every 6 months. But to all of you, the Royals, maintaining summer and a winter residence is only natural:)
Lol. If only would work⊠
I am lucky enough to already have a home I donât have to pay for anymore. (and I wouldnât need to move my stuff as thereâs plenty of stuff there) Plus you need a smallerâŠuhm, residence, when you grow older. So who knows.
Edit: I always thought that what made someone appear âroyalsâ is their behaviour and a good value system, so I will humbly accept the compliment. 
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The discussion on where the money for the 13th AHV payment keeps goingâŠ0.6% VAT increase? For some reason, also more money for the army.
WĂŒrth emphasizes that he is not doing this lightly. âBut given the structural deficits, it is completely unrealistic to finance the higher expenditure on the AHV and the army without any additional revenue.â WĂŒrth and his colleagues propose increasing the VAT by 1 percentage point (0.6 percentage points for the AHV and 0.4 for the army). The standard rate would therefore rise from todayâs 8.1 to 9.1 percent. This would cost consumers around 3.5 billion francs per year.
Iâve a better idea. Rather than increase VAT for everything by 1% why not introduce a new tier of 18.1% for any single purchase of more than 100k. Primary residences excluded except those of more than 10 million.
Nah⊠I think everyone who voted yes needs to help finance it - there is no free money in this world!
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A post was split to a new topic: Switzerland referendum on 2nd pillar reform 22.09.2024
Seems all those numbers the politicians provided to convince us we could not afford a 13th AHV pension were lies.
Now they tell us they have 3+ Billion more than we were informed.
Switzerland made a mistake in calculating its pension deficit that has left its retirement system with an unexpected boon.
The shortfall for the so-called AHV will now be about 4 billion francs ($4.7 billion) in 2033, down from more than 7 billion francs previously assumed, government officials said in a statement on Tuesday.
âWith its negative fear scenarios, the federal government has significantly influenced AHV policy and exerted great pressure to cut benefits,â the association of labor unions said in a statement reacting to the announcement. âEmployees and pensioners have been misled.â
Yes same numbers that were used to convince womenâs retirement age should be increased. Real fuck up here!
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The source of funding for the 13th AHV payment is now clear: increase VAT from 8.1 to 8.8% . This is a proposal from Swiss Federal Council to Parliament (that will vote on it later). AndâŠthe population will vote on it, expected vote schedule is September 2025.
So, no surprises. Higher 1st pillar payments, higher TVA.
Bern, 16.10.2024 - The 13th AHV pension is to be paid once a year, in December, from 2026. It is to be financed by an increase in value added tax of 0.7 percentage points so that the AHV compensation fund remains balanced until 2030. At its meeting on 16 October 2024, the Federal Council adopted and submitted to Parliament the dispatch on the implementation and financing of the initiative for a 13th AHV pension.
The popular initiative âLiving Better in Retirement (Initiative for a 13th AHV Pension)â was accepted in the popular vote on 3 March 2024. In its dispatch, the Federal Council is submitting to Parliament both a proposal for the implementation of the 13th old-age pension and a proposal for financing.
update: fixed wrong numbers
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Hasnât VAT already been hiked to 8.1% because of AHV? So then we are talking 8.8%?
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Youâre right. Iâm living in the past hahaha.
Itâs 0.7% increase from 8.1 to 8.8%.
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Depends. No if youâre thinking about the 2018 proposal (that got rejected), yes if earlier.
The 18 - 24âs may well vote ânoâ, but wait till they have to retire at 70 or 75 and then get no 13th month. They will regret it!
I think also the older people will vote no - they will not be happy that a cost of life which is already deemed high will become even higher⊠It will be fun to see!
What happens if the financing proposal gets rejected?
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Another source of funding has to be found and if requiredâŠsubmit to popular vote again 
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- The European Court of Human Rights in Strasbourg condemned Switzerland two years ago for discrimination against men. Unlike women, widowed men do not receive a lifelong survivorsâ pension.
- On Wednesday, the Federal Council decided to eliminate the unequal treatment by making widows less well off. Existing pensions are also affected.
- This was not what widower Max Beeler had in mind when he filed the lawsuit to change the law: âWidowhood would then mean a fall into poverty in almost all cases,â he says.
On Wednesday, the Federal Council decided to abolish the lifelong widowâs pension. In future, widows and widowers will only receive the pension until the youngest child is 25 years old, regardless of the parentsâ marital status.
A two-year transitional pension is provided for survivors without dependent children. Those over 58 years of age and at risk of poverty can also receive support as part of the supplementary benefits.
Existing pensions would also not be guaranteed. Anyone under 55 when the new reform is introduced will only receive a pension for two years. The adjustment is expected to save several hundred million francs in the AHV. (dba)
This change needs approval so would not be effective before 2026 at the earliest.
SVP National Councillor Thomas Aeschi welcomes the âslimâ proposal. It puts widows on an equal footing with widowers and at the same time leads to savings: âBecause of the yes vote for the 13th AHV pension, the AHV fund will face large additional costs. These savings must be made elsewhere.â
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