In Switzerland, it is possible to buy back missed years of contributions into Pillar 1, though only if you have gaps in your contribution history. Where gaps exist, the Swiss system generally allows you to make retroactive payments for up to 5 years, provided certain conditions are met.
This can help you avoid a reduction in your future pension entitlement.
To be eligible to buy back missing years:
If you have just arrived as an expat in Switzerland, you are unlikely to have any ability to buy back missed years as you would not have had any entitlement to the Swiss AHV/AVS system prior to your arrival in Switzerland.
It is not possible to buy back gaps older than five years and these are considered permanent and will reduce your pension accordingly. In the Swiss system, the maximum state pension is only paid if you contribute without interruption from age 20 (or 21 if you studied) until retirement age (currently 65 for both men and women from 2028).
If you spent time abroad or were not subject to Swiss AHV/AVS rules, you might not be eligible to pay for those missing years. However, some exceptions may apply depending on bilateral agreements or if you were employed by a Swiss employer while abroad.
To check your contribution record and arrange back payments, contact your local AHV compensation office (Ausgleichskasse / caisse de compensation / cassa di compensazione). They can provide a statement and confirm whether your missing years are eligible to be paid retroactively.
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Please note that all content within this response has been prepared for information purposes only. This response does not constitute financial, legal or tax advice. Always ensure you speak to a regulated Financial Adviser before making any financial decisions.