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swiss-list: Returning to CH and 401(k)

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swiss-list: Returning to CH and 401(k)

From: Marc Viredaz <click for textversion of email address >
Date: Fri, 23 Jan 2004 16:27:22 -0800 (PST)

After looking through the archive, it looks like that one subject that
never came up is: what to do with a 401(k) plan when returning to
Switzerland.

I can see a few obvious solutions:

   - Cash it and pay taxes (probably OK for a small amount, but not very
     attractive for a large amount).

   - Keep it (some plans seem to let you do this) or roll it to an IRA and
     wait until retirement to start using it.

   - Keep it or roll it to an IRA and cash it at a later time. [Maybe
     there is a way to cash in small chunk to minimize taxes. My plan does
     not allow this, but maybe an IRA does.]

I don't suppose there is a way to roll it to a Swiss plan - for
instance a "2nd pillar" (2eme pillier) - without paying taxes. Does
anybody know ?

I was wondering if anybody has tips/suggestions or other solutions to
propose.

Thanks a lot,
        Marc Viredaz

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Received on Fri Jan 23 2004 - 19:03:40 PST

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