{"id":15331,"date":"2025-07-07T17:14:33","date_gmt":"2025-07-07T15:14:33","guid":{"rendered":"https:\/\/pattersonmills.ch\/?page_id=15331"},"modified":"2025-11-19T15:38:24","modified_gmt":"2025-11-19T14:38:24","slug":"relocating-to-australia","status":"publish","type":"page","link":"https:\/\/pattersonmills.ch\/fr\/relocating-to-australia\/","title":{"rendered":"Relocating to Australia"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"15331\" class=\"elementor elementor-15331\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd8b3db elementor-section-full_width elementor-section-height-min-height elementor-section-items-stretch elementor-hidden-mobile elementor-section-height-default\" data-id=\"bd8b3db\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-50 elementor-top-column elementor-element elementor-element-f625527 elementor-invisible\" data-id=\"f625527\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-2300c71 elementor-widget elementor-widget-spacer\" data-id=\"2300c71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-36aad41\" data-id=\"36aad41\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\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-3989c18 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3989c18\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Relocating to Australia<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cff4d26 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"cff4d26\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" 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>If you are preparing to leave Switzerland and move to Australia, it is essential to review your financial arrangements to ensure a smooth transition. From tax planning to pensions and investment considerations, relocating presents a range of opportunities and challenges that are best addressed with careful guidance.<\/p>\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f6ed715 elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"f6ed715\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-970f095\" data-id=\"970f095\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\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-e73d8ba elementor-widget elementor-widget-image\" data-id=\"e73d8ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1353\" height=\"878\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/AustralianFlag-WoodenPost-BeachBackgroundR300.jpg\" class=\"attachment-full size-full wp-image-15340\" alt=\"Wooden Australian Flag Arrow with Beach Background\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/AustralianFlag-WoodenPost-BeachBackgroundR300.jpg 1353w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/AustralianFlag-WoodenPost-BeachBackgroundR300-300x195.jpg 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/AustralianFlag-WoodenPost-BeachBackgroundR300-1024x665.jpg 1024w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/AustralianFlag-WoodenPost-BeachBackgroundR300-768x498.jpg 768w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/AustralianFlag-WoodenPost-BeachBackgroundR300-18x12.jpg 18w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2025\/07\/AustralianFlag-WoodenPost-BeachBackgroundR300-1200x779.jpg 1200w\" sizes=\"(max-width: 1353px) 100vw, 1353px\" \/>\t\t\t\t\t\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c5c6bca elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"c5c6bca\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-95806ea\" data-id=\"95806ea\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\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-16ba42c animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"16ba42c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Relocating to Australia<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6aee1d animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"a6aee1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" 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>If you are preparing to leave Switzerland and move to Australia, it is essential to review your financial arrangements to ensure a smooth transition. From tax planning to pensions and investment considerations, relocating presents a range of opportunities and challenges that are best addressed with careful guidance.<\/p>\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5ec5f65 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5ec5f65\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-50 elementor-top-column elementor-element elementor-element-ec821af\" data-id=\"ec821af\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\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-8a8415e animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"8a8415e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" 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\">Preparing for Your Move to Australia<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0dfc2ad animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"0dfc2ad\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" 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 data-start=\"286\" data-end=\"443\">If you are moving to Australia from Switzerland, preparing your finances well in advance is essential. Your tax residency will change, reporting requirements will differ, and your pension arrangements, investments, and property holdings may need to be reviewed or restructured. We recommend allowing at least six months (ideally twelve or more) to plan your relocation, so you can take advantage of key tax windows, avoid unnecessary penalties, and ensure a seamless financial transition.<\/p><p data-start=\"445\" data-end=\"744\">With the right guidance, this transition can be an opportunity to simplify your affairs, enhance tax efficiency, and plan confidently for your relocation.<\/p><p data-start=\"746\" data-end=\"1000\">Patterson Mills works closely with Australian-based and Australian-qualified advisers who understand the local regulatory environment and investment landscape. This allows us to deliver joined-up planning that can continue even once you arrive in Australia. To find out how we can help you, scroll down this page.<\/p><p data-start=\"1002\" data-end=\"1224\">Whether you need assistance with your superannuation, mortgage options, investment strategies in Australia, or adjustments to your insurance and long-term retirement savings arrangements, click below to get in touch today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f67610e elementor-section-full_width elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"f67610e\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;,&quot;animation_delay&quot;:1}\">\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-50 elementor-inner-column elementor-element elementor-element-2b7c80e\" data-id=\"2b7c80e\" 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-1a4371f elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"1a4371f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:1}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/pattersonmills.ch\/fr\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nous contacter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9ba85cd\" data-id=\"9ba85cd\" 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-56bd21b elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"56bd21b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.australianchamber.ch\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"210\" height=\"154\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2022\/10\/auschamjpeg.jpg\" class=\"attachment-medium size-medium wp-image-6294\" alt=\"\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2022\/10\/auschamjpeg.jpg 210w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2022\/10\/auschamjpeg-16x12.jpg 16w\" sizes=\"(max-width: 210px) 100vw, 210px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Fiers membres de la Chambre de commerce australo-suisse.<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-00637ac elementor-hidden-mobile elementor-invisible\" data-id=\"00637ac\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-88261d7 elementor-widget elementor-widget-spacer\" data-id=\"88261d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-743bc23 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"743bc23\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-9fe10f1 elementor-invisible\" data-id=\"9fe10f1\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-55be6cb animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"55be6cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" 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\">Download our free Australian Expatriates in Switzerland Handbook<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27b4e02 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"27b4e02\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" 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>Our handbook is designed to give you clarity, control and confidence in your financial future. Inside, you will learn how to make the most of life overseas, how best to build tax-efficient wealth, what to do if you choose to remain in Switzerland, how to manage your Superannuation, inheritance, property, dividends, returning to Australia, and much more.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d9bad99 elementor-section-full_width elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"d9bad99\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-50 elementor-inner-column elementor-element elementor-element-4ef80ae\" data-id=\"4ef80ae\" 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-f24276d elementor-widget elementor-widget-html\" data-id=\"f24276d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  @font-face {\r\n    font-display: block;\r\n    font-family: Roboto;\r\n    src: url(https:\/\/assets.brevo.com\/font\/Roboto\/Latin\/normal\/normal\/7529907e9eaf8ebb5220c5f9850e3811.woff2) format(\"woff2\"), url(https:\/\/assets.brevo.com\/font\/Roboto\/Latin\/normal\/normal\/25c678feafdc175a70922a116c9be3e7.woff) format(\"woff\")\r\n  }\r\n\r\n  @font-face {\r\n    font-display: fallback;\r\n    font-family: Roboto;\r\n    font-weight: 600;\r\n    src: url(https:\/\/assets.brevo.com\/font\/Roboto\/Latin\/medium\/normal\/6e9caeeafb1f3491be3e32744bc30440.woff2) format(\"woff2\"), url(https:\/\/assets.brevo.com\/font\/Roboto\/Latin\/medium\/normal\/71501f0d8d5aa95960f6475d5487d4c2.woff) format(\"woff\")\r\n  }\r\n\r\n  @font-face {\r\n    font-display: fallback;\r\n    font-family: Roboto;\r\n    font-weight: 700;\r\n    src: url(https:\/\/assets.brevo.com\/font\/Roboto\/Latin\/bold\/normal\/3ef7cf158f310cf752d5ad08cd0e7e60.woff2) format(\"woff2\"), url(https:\/\/assets.brevo.com\/font\/Roboto\/Latin\/bold\/normal\/ece3a1d82f18b60bcce0211725c476aa.woff) format(\"woff\")\r\n  }\r\n\r\n  #sib-container input:-ms-input-placeholder {\r\n    text-align: left;\r\n    font-family: Helvetica, sans-serif;\r\n    color: #c0ccda;\r\n  }\r\n\r\n  #sib-container input::placeholder {\r\n    text-align: left;\r\n    font-family: Helvetica, sans-serif;\r\n    color: #c0ccda;\r\n  }\r\n\r\n  #sib-container textarea::placeholder {\r\n    text-align: left;\r\n    font-family: Helvetica, sans-serif;\r\n    color: #c0ccda;\r\n  }\r\n\r\n  #sib-container a {\r\n    text-decoration: underline;\r\n    color: #2BB2FC;\r\n  }\r\n  .sib-form-block__button {\r\n    text-transform: capitalize !important;\r\n}\r\n<\/style>\r\n<link rel=\"stylesheet\" href=\"https:\/\/sibforms.com\/forms\/end-form\/build\/sib-styles.css\">\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e6f160 animated-slow elementor-invisible elementor-widget elementor-widget-html\" data-id=\"5e6f160\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"sib-form\" style=\"text-align: center;         background-color: transparent;                                 \">\r\n  <div id=\"sib-form-container\" class=\"sib-form-container\">\r\n    <div id=\"error-message\" class=\"sib-form-message-panel\" style=\"font-size:16px; text-align:left; font-family:Helvetica, sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;max-width:540px;\">\r\n      <div class=\"sib-form-message-panel__text sib-form-message-panel__text--center\">\r\n        <svg viewbox=\"0 0 512 512\" class=\"sib-icon sib-notification__icon\">\r\n          <path d=\"M256 40c118.621 0 216 96.075 216 216 0 119.291-96.61 216-216 216-119.244 0-216-96.562-216-216 0-119.203 96.602-216 216-216m0-32C119.043 8 8 119.083 8 256c0 136.997 111.043 248 248 248s248-111.003 248-248C504 119.083 392.957 8 256 8zm-11.49 120h22.979c6.823 0 12.274 5.682 11.99 12.5l-7 168c-.268 6.428-5.556 11.5-11.99 11.5h-8.979c-6.433 0-11.722-5.073-11.99-11.5l-7-168c-.283-6.818 5.167-12.5 11.99-12.5zM256 340c-15.464 0-28 12.536-28 28s12.536 28 28 28 28-12.536 28-28-12.536-28-28-28z\" \/>\r\n        <\/svg>\r\n        <span class=\"sib-form-message-panel__inner-text\">\r\n                          Your download could not be completed. 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Please check your email (including spam or junk folders) for access.\r\n                      <\/span>\r\n      <\/div>\r\n    <\/div>\r\n    <div><\/div>\r\n    <div id=\"sib-container\" class=\"sib-container--large sib-container--vertical\" style=\"text-align:center; background-color:transparent; max-width:540px; border-radius:7px; border-width:2px; border-color:#0e2859; border-style:solid; direction:ltr\">\r\n      <form id=\"sib-form\" method=\"POST\" action=\"https:\/\/d82f9d68.sibforms.com\/serve\/MUIFALy1u7SOcA0PBPyVolRmdD6aa8dHmtha6aKgtoCm16-FDVC8BB1LiuRYt7EraQTMf7b6x4gZ2UZ94ZuIZiattZRI3QBwdk8QesqIreQ2cxWrtNdRNVJX8GeQwQ3G6_eGDpflZ3qBj7pZfSN90lhEGQakDVqxHy05dknUxVGh6yURhUSxYdKdGnu3tD4Iu2CLoby2udiCwUBI\" data-type=\"subscription\">\r\n        <div style=\"padding: 8px 0;\">\r\n          <div class=\"sib-form-block\" style=\"font-size:16px; text-align:left; font-family:Helvetica, sans-serif; color:#0e2859; background-color:transparent; text-align:left\">\r\n            <p><strong>Complete the form below to receive your copy of the Australian Expatriates in Switzerland handbook<\/strong><\/p>\r\n          <\/div>\r\n        <\/div>\r\n        <div style=\"padding: 8px 0;\">\r\n          <div class=\"sib-input sib-form-block\">\r\n            <div class=\"form__entry entry_block\">\r\n              <div class=\"form__label-row\">\r\n                <label class=\"entry__label\" style=\"font-weight: 700; text-align:left; font-size:16px; text-align:left; font-weight:700; font-family:Helvetica, sans-serif; color:#0e2859;\" for=\"FIRSTNAME\" data-required=\"*\">Pr\u00e9nom<\/label>\r\n\r\n                <div class=\"entry__field\">\r\n                  <input class=\"input\" maxlength=\"200\" type=\"text\" id=\"FIRSTNAME\" name=\"FIRSTNAME\" autocomplete=\"off\" data-required=\"true\" required \/>\r\n                <\/div>\r\n              <\/div>\r\n\r\n              <label class=\"entry__error entry__error--primary\" style=\"font-size:16px; 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                  +964 IQ\r\n                        <\/option>\r\n                        <option value=\"+353\">\r\n                          +353 IE\r\n                        <\/option>\r\n                        <option value=\"+44\">\r\n                          +44 IM\r\n                        <\/option>\r\n                        <option value=\"+972\">\r\n                          +972 IL\r\n                        <\/option>\r\n                        <option value=\"+39\">\r\n                          +39 IT\r\n                        <\/option>\r\n                        <option value=\"+1876\">\r\n                          +1876 JM\r\n                        <\/option>\r\n                        <option value=\"+81\">\r\n                          +81 JP\r\n                        <\/option>\r\n                        <option value=\"+44\">\r\n                          +44 JE\r\n                        <\/option>\r\n                        <option value=\"+962\">\r\n                          +962 JO\r\n                        <\/option>\r\n                        <option value=\"+7\">\r\n                          +7 KZ\r\n                        <\/option>\r\n                        <option value=\"+254\">\r\n                          +254 KE\r\n                        <\/option>\r\n                        <option value=\"+686\">\r\n                          +686 KI\r\n                        <\/option>\r\n                        <option value=\"+850\">\r\n                          +850 KP\r\n                        <\/option>\r\n                        <option value=\"+82\">\r\n                          +82 KR\r\n                        <\/option>\r\n                        <option value=\"+965\">\r\n                          +965 KW\r\n                        <\/option>\r\n                        <option value=\"+996\">\r\n                          +996 KG\r\n                        <\/option>\r\n                        <option value=\"+856\">\r\n                          +856 LA\r\n                        <\/option>\r\n                        <option value=\"+371\">\r\n                          +371 LV\r\n                        <\/option>\r\n                        <option value=\"+961\">\r\n                          +961 LB\r\n                        <\/option>\r\n                        <option value=\"+266\">\r\n                          +266 LS\r\n                        <\/option>\r\n                        <option value=\"+231\">\r\n                          +231 LR\r\n                        <\/option>\r\n                        <option value=\"+218\">\r\n                          +218 LY\r\n                        <\/option>\r\n                        <option value=\"+423\">\r\n                          +423 LI\r\n                        <\/option>\r\n                        <option value=\"+370\">\r\n                          +370 LT\r\n                        <\/option>\r\n                        <option value=\"+352\">\r\n                          +352 LU\r\n                        <\/option>\r\n                        <option value=\"+853\">\r\n                          +853 MO\r\n                        <\/option>\r\n                        <option value=\"+389\">\r\n                          +389 MK\r\n                        <\/option>\r\n                        <option value=\"+261\">\r\n                          +261 MG\r\n                        <\/option>\r\n                        <option value=\"+265\">\r\n                          +265 MW\r\n                        <\/option>\r\n                        <option value=\"+60\">\r\n                          +60 MY\r\n                        <\/option>\r\n                        <option value=\"+960\">\r\n                          +960 MV\r\n                        <\/option>\r\n                        <option value=\"+223\">\r\n                          +223 ML\r\n                        <\/option>\r\n                        <option value=\"+356\">\r\n                          +356 MT\r\n                        <\/option>\r\n                        <option value=\"+692\">\r\n                          +692 MH\r\n                        <\/option>\r\n                        <option value=\"+596\">\r\n                          +596 MQ\r\n                        <\/option>\r\n                        <option value=\"+222\">\r\n                          +222 MR\r\n                        <\/option>\r\n                        <option value=\"+230\">\r\n                          +230 MU\r\n                        <\/option>\r\n                        <option value=\"+262\">\r\n                          +262 YT\r\n                        <\/option>\r\n                        <option value=\"+52\">\r\n                          +52 MX\r\n                        <\/option>\r\n                        <option value=\"+691\">\r\n                          +691 FM\r\n                        <\/option>\r\n                        <option value=\"+373\">\r\n                          +373 MD\r\n                        <\/option>\r\n                        <option value=\"+377\">\r\n                          +377 MC\r\n                        <\/option>\r\n                        <option value=\"+976\">\r\n                          +976 MN\r\n                        <\/option>\r\n                        <option value=\"+382\">\r\n                          +382 ME\r\n                        <\/option>\r\n                        <option value=\"+1664\">\r\n                          +1664 MS\r\n                        <\/option>\r\n                        <option value=\"+212\">\r\n                          +212 MA\r\n                        <\/option>\r\n                        <option value=\"+258\">\r\n                          +258 MZ\r\n                        <\/option>\r\n                        <option value=\"+95\">\r\n                          +95 MM\r\n                        <\/option>\r\n                        <option value=\"+264\">\r\n                          +264 NA\r\n                        <\/option>\r\n                        <option value=\"+674\">\r\n                          +674 NR\r\n                        <\/option>\r\n                        <option value=\"+977\">\r\n                          +977 NP\r\n                        <\/option>\r\n                        <option value=\"+31\">\r\n                          +31 NL\r\n                        <\/option>\r\n                        <option value=\"+687\">\r\n                          +687 NC\r\n                        <\/option>\r\n                        <option value=\"+64\">\r\n                          +64 NZ\r\n                        <\/option>\r\n                        <option value=\"+505\">\r\n                          +505 NI\r\n                        <\/option>\r\n                        <option value=\"+227\">\r\n                          +227 NE\r\n                        <\/option>\r\n                        <option value=\"+234\">\r\n                          +234 NG\r\n                        <\/option>\r\n                        <option value=\"+683\">\r\n                          +683 NU\r\n                        <\/option>\r\n                        <option value=\"+672\">\r\n                          +672 NF\r\n                        <\/option>\r\n                        <option value=\"+1670\">\r\n                          +1670 MP\r\n                        <\/option>\r\n                        <option value=\"+47\">\r\n                          +47 NO\r\n                        <\/option>\r\n                        <option value=\"+968\">\r\n                          +968 OM\r\n                        <\/option>\r\n                        <option value=\"+92\">\r\n                          +92 PK\r\n                        <\/option>\r\n                        <option value=\"+680\">\r\n                          +680 PW\r\n                        <\/option>\r\n                        <option value=\"+970\">\r\n                          +970 PS\r\n                        <\/option>\r\n                        <option value=\"+507\">\r\n                          +507 PA\r\n                        <\/option>\r\n                        <option value=\"+675\">\r\n                          +675 PG\r\n                        <\/option>\r\n                        <option value=\"+595\">\r\n                          +595 PY\r\n                        <\/option>\r\n                        <option value=\"+51\">\r\n                          +51 PE\r\n                        <\/option>\r\n                        <option value=\"+63\">\r\n                          +63 PH\r\n                        <\/option>\r\n                        <option value=\"+64\">\r\n                          +64 PN\r\n                        <\/option>\r\n                        <option value=\"+48\">\r\n                          +48 PL\r\n                        <\/option>\r\n                        <option value=\"+351\">\r\n                          +351 PT\r\n                        <\/option>\r\n                        <option value=\"+1787\">\r\n                          +1787 PR\r\n                        <\/option>\r\n                        <option value=\"+974\">\r\n                          +974 QA\r\n                        <\/option>\r\n                        <option value=\"+383\">\r\n                          +383 XK\r\n                        <\/option>\r\n                        <option value=\"+262\">\r\n                          +262 RE\r\n                        <\/option>\r\n                        <option value=\"+40\">\r\n                          +40 RO\r\n                        <\/option>\r\n                        <option value=\"+7\">\r\n                          +7 RU\r\n                        <\/option>\r\n                        <option value=\"+250\">\r\n                          +250 RW\r\n                        <\/option>\r\n                        <option value=\"+590\">\r\n                          +590 BL\r\n                        <\/option>\r\n                        <option value=\"+290\">\r\n                          +290 SH\r\n                        <\/option>\r\n                        <option value=\"+1869\">\r\n                          +1869 KN\r\n                        <\/option>\r\n                        <option value=\"+1758\">\r\n                          +1758 LC\r\n                        <\/option>\r\n                        <option value=\"+590\">\r\n                          +590 MF\r\n                        <\/option>\r\n                        <option value=\"+508\">\r\n                          +508 PM\r\n                        <\/option>\r\n                        <option value=\"+1784\">\r\n                          +1784 VC\r\n                        <\/option>\r\n                        <option value=\"+685\">\r\n                          +685 WS\r\n                        <\/option>\r\n                        <option value=\"+378\">\r\n                          +378 SM\r\n                        <\/option>\r\n                        <option value=\"+239\">\r\n                          +239 ST\r\n                        <\/option>\r\n                        <option value=\"+966\">\r\n                          +966 SA\r\n                        <\/option>\r\n                        <option value=\"+221\">\r\n                          +221 SN\r\n                        <\/option>\r\n                        <option value=\"+381\">\r\n                          +381 RS\r\n                        <\/option>\r\n                        <option value=\"+248\">\r\n                          +248 SC\r\n                        <\/option>\r\n                        <option value=\"+232\">\r\n                          +232 SL\r\n                        <\/option>\r\n                        <option value=\"+65\">\r\n                          +65 SG\r\n                        <\/option>\r\n                        <option value=\"+1721\">\r\n                          +1721 SX\r\n                        <\/option>\r\n                        <option value=\"+421\">\r\n                          +421 SK\r\n                        <\/option>\r\n                        <option value=\"+386\">\r\n                          +386 SI\r\n                        <\/option>\r\n                        <option value=\"+677\">\r\n                          +677 SB\r\n                        <\/option>\r\n                        <option value=\"+252\">\r\n                          +252 SO\r\n                        <\/option>\r\n                        <option value=\"+27\">\r\n                          +27 ZA\r\n                        <\/option>\r\n                        <option value=\"+500\">\r\n                          +500 GS\r\n                        <\/option>\r\n                        <option value=\"+211\">\r\n                          +211 SS\r\n                        <\/option>\r\n                        <option value=\"+34\">\r\n                          +34 ES\r\n                        <\/option>\r\n                        <option value=\"+94\">\r\n                          +94 LK\r\n                        <\/option>\r\n                        <option value=\"+249\">\r\n                          +249 SD\r\n                        <\/option>\r\n                        <option value=\"+597\">\r\n                          +597 SR\r\n                        <\/option>\r\n                        <option value=\"+47\">\r\n                          +47 SJ\r\n                        <\/option>\r\n                        <option value=\"+268\">\r\n                          +268 SZ\r\n                        <\/option>\r\n                        <option value=\"+46\">\r\n                          +46 SE\r\n                        <\/option>\r\n                        <option value=\"+41\">\r\n                          +41 CH\r\n                        <\/option>\r\n                        <option value=\"+963\">\r\n                          +963 SY\r\n                        <\/option>\r\n                        <option value=\"+886\">\r\n                          +886 TW\r\n                        <\/option>\r\n                        <option value=\"+992\">\r\n                          +992 TJ\r\n                        <\/option>\r\n                        <option value=\"+255\">\r\n                          +255 TZ\r\n                        <\/option>\r\n                        <option value=\"+66\">\r\n                          +66 TH\r\n                        <\/option>\r\n                        <option value=\"+670\">\r\n                          +670 TL\r\n                        <\/option>\r\n                        <option value=\"+228\">\r\n                          +228 TG\r\n                        <\/option>\r\n                        <option value=\"+690\">\r\n                          +690 TK\r\n                        <\/option>\r\n                        <option value=\"+676\">\r\n                          +676 TO\r\n                        <\/option>\r\n                        <option value=\"+1868\">\r\n                          +1868 TT\r\n                        <\/option>\r\n                        <option value=\"+216\">\r\n                          +216 TN\r\n                        <\/option>\r\n                        <option value=\"+90\">\r\n                          +90 TR\r\n                        <\/option>\r\n                        <option value=\"+993\">\r\n                          +993 TM\r\n                        <\/option>\r\n                        <option value=\"+1649\">\r\n                          +1649 TC\r\n                        <\/option>\r\n                        <option value=\"+688\">\r\n                          +688 TV\r\n                        <\/option>\r\n                        <option value=\"+256\">\r\n                          +256 UG\r\n                        <\/option>\r\n                        <option value=\"+380\">\r\n                          +380 UA\r\n                        <\/option>\r\n                        <option value=\"+971\">\r\n                          +971 AE\r\n                        <\/option>\r\n                        <option value=\"+44\">\r\n                          +44 GB\r\n                        <\/option>\r\n                        <option value=\"+1\">\r\n                          +1 US\r\n                        <\/option>\r\n                        <option value=\"+246\">\r\n                          +246 UM\r\n                        <\/option>\r\n                        <option value=\"+598\">\r\n                          +598 UY\r\n                        <\/option>\r\n                        <option value=\"+998\">\r\n                          +998 UZ\r\n                        <\/option>\r\n                        <option value=\"+678\">\r\n                          +678 VU\r\n                        <\/option>\r\n                        <option value=\"+58\">\r\n                          +58 VE\r\n                        <\/option>\r\n                        <option value=\"+84\">\r\n                          +84 VN\r\n                        <\/option>\r\n                        <option value=\"+1284\">\r\n                          +1284 VG\r\n                        <\/option>\r\n                        <option value=\"+1340\">\r\n                          +1340 VI\r\n                        <\/option>\r\n                        <option value=\"+681\">\r\n                          +681 WF\r\n                        <\/option>\r\n                        <option value=\"+212\">\r\n                          +212 EH\r\n                        <\/option>\r\n                        <option value=\"+967\">\r\n                          +967 YE\r\n                        <\/option>\r\n                        <option value=\"+260\">\r\n                          +260 ZM\r\n                        <\/option>\r\n                        <option value=\"+263\">\r\n                          +263 ZW\r\n                        <\/option>\r\n                      <\/select>\r\n                    <\/div>\r\n                    <div class=\"entry__field\" style=\"width: 100%\">\r\n                      <input type=\"tel\" class=\"input\" id=\"SMS\" name=\"SMS\" autocomplete=\"off\" placeholder=\"SMS\" \/>\r\n                    <\/div>\r\n                  <\/div>\r\n                  <div class=\"sib-sms-tooltip\">\r\n                    <div class=\"sib-sms-tooltip__box\">\r\n                      Once you have chosen your country code, please enter the remaining numbers that follow the zero. (for example, if your number starts 079, please enter 79xxxxxxx).\r\n                    <\/div>\r\n                    <span class=\"sib-sms-tooltip__icon\">?<\/span>\r\n                  <\/div>\r\n                <\/div>\r\n              <\/div>\r\n\r\n              <label class=\"entry__error entry__error--primary\" style=\"font-size:16px; text-align:left; font-family:Helvetica, sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;\">\r\n              <\/label>\r\n              <label class=\"entry__error entry__error--secondary\" style=\"font-size:16px; text-align:left; font-family:Helvetica, sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;\">\r\n              <\/label>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div style=\"padding: 8px 0;\">\r\n          <div class=\"sib-select sib-form-block\" data-required=\"true\">\r\n            <div class=\"form__entry entry_block\">\r\n              <div class=\"form__label-row\">\r\n                <label class=\"entry__label\" style=\"font-weight: 700; text-align:left; font-size:16px; text-align:left; font-weight:700; font-family:Helvetica, sans-serif; color:#0e2859;\" for=\"CHF_300K_QUALIFICATION\" data-required=\"*\">What is your level of investable assets?<\/label>\r\n                <div class=\"entry__field\">\r\n                  <select class=\"input\" id=\"CHF_300K_QUALIFICATION\" name=\"CHF_300K_QUALIFICATION\" data-required=\"true\">\r\n                    <option value=\"\" disabled selected hidden>- Please Select -<\/option>\r\n\r\n                    <option class=\"sib-menu__item\" value=\"1\">\r\n                      CHF 0 to CHF 150&#039;000\r\n                    <\/option>\r\n                    <option class=\"sib-menu__item\" value=\"2\">\r\n                      CHF 150&#039;001 to CHF 300&#039;000\r\n                    <\/option>\r\n                    <option class=\"sib-menu__item\" value=\"3\">\r\n                      CHF 300&#039;001 to CHF 500&#039;000\r\n                    <\/option>\r\n                    <option class=\"sib-menu__item\" value=\"4\">\r\n                      CHF 500&#039;001 to CHF 1&#039;000&#039;000\r\n                    <\/option>\r\n                    <option class=\"sib-menu__item\" value=\"5\">\r\n                      CHF 1&#039;000&#039;001 to CHF 3&#039;000&#039;000\r\n                    <\/option>\r\n                    <option class=\"sib-menu__item\" value=\"6\">\r\n                      CHF 3&#039;000&#039;001 to CHF 5&#039;000&#039;000\r\n                    <\/option>\r\n                    <option class=\"sib-menu__item\" value=\"7\">\r\n                      Above CHF 5&#039;000&#039;000\r\n                    <\/option>\r\n                  <\/select>\r\n                <\/div>\r\n              <\/div>\r\n              <label class=\"entry__error entry__error--primary\" style=\"font-size:16px; text-align:left; font-family:Helvetica, sans-serif; color:#661d1d; background-color:#ffeded; border-radius:3px; border-color:#ff4949;\">\r\n              <\/label>\r\n            <\/div>\r\n          <\/div>\r\n        <\/div>\r\n        <div style=\"padding: 8px 0;\">\r\n          <div class=\"sib-form-block\" style=\"text-align: left\">\r\n            <button class=\"sib-form-block__button sib-form-block__button-with-loader\" style=\"font-size:16px; text-align:left; font-weight:700; font-family:Helvetica, sans-serif; color:#FFFFFF; background-color:#0e2859; border-radius:3px; border-width:0px;\" form=\"sib-form\" type=\"submit\">\r\n              <svg class=\"icon clickable__icon progress-indicator__icon sib-hide-loader-icon\" viewbox=\"0 0 512 512\">\r\n                <path d=\"M460.116 373.846l-20.823-12.022c-5.541-3.199-7.54-10.159-4.663-15.874 30.137-59.886 28.343-131.652-5.386-189.946-33.641-58.394-94.896-95.833-161.827-99.676C261.028 55.961 256 50.751 256 44.352V20.309c0-6.904 5.808-12.337 12.703-11.982 83.556 4.306 160.163 50.864 202.11 123.677 42.063 72.696 44.079 162.316 6.031 236.832-3.14 6.148-10.75 8.461-16.728 5.01z\" \/>\r\n              <\/svg>\r\n              Obtenez votre copie\r\n            <\/button>\r\n          <\/div>\r\n        <\/div>\r\n\r\n        <input type=\"text\" name=\"email_address_check\" value=\"\" class=\"input--hidden\">\r\n        <input type=\"hidden\" name=\"locale\" value=\"en\">\r\n      <\/form>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9060b14 elementor-widget elementor-widget-html\" data-id=\"9060b14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>\r\n  window.REQUIRED_CODE_ERROR_MESSAGE = 'Please choose a country code';\r\n  window.LOCALE = 'en';\r\n  window.EMAIL_INVALID_MESSAGE = window.SMS_INVALID_MESSAGE = \"The information provided is invalid. Please review the field format and try again.\";\r\n\r\n  window.REQUIRED_ERROR_MESSAGE = \"This field is required. \";\r\n\r\n  window.GENERIC_INVALID_MESSAGE = \"The information provided is invalid. Please review the field format and try again.\";\r\n\r\n\r\n\r\n\r\n  window.translation = {\r\n    common: {\r\n      selectedList: '{quantity} list selected',\r\n      selectedLists: '{quantity} lists selected'\r\n    }\r\n  };\r\n\r\n  var AUTOHIDE = Boolean(0);\r\n<\/script>\r\n\r\n<script defer src=\"https:\/\/sibforms.com\/forms\/end-form\/build\/main.js\"><\/script>\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c221303 elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"c221303\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b0ebe3 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"4b0ebe3\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;none&quot;}\">\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-9ec8cb4\" data-id=\"9ec8cb4\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\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-4ff4373 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4ff4373\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" 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\">Comment nous pouvons vous aider<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42e75d3 elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-n-accordion\" data-id=\"42e75d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:550,&quot;sizes&quot;:[]},&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7010\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-7010\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Investment Planning When Returning to Australia <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7010\" class=\"elementor-element elementor-element-9527bd0 e-con-full e-flex e-con e-child\" data-id=\"9527bd0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2264331 elementor-widget elementor-widget-text-editor\" data-id=\"2264331\" 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 data-start=\"398\" data-end=\"815\">Many expats returning to Australia, whether Australian citizens or not, often underestimate the complexity of managing cross-border investments. Swiss capital gains tax exemptions do not follow you back to Australia. Once you become an Australian tax resident again, all your global investments, including those held in Swiss based accounts, become reportable and potentially taxable under Australian rules. Without a clear strategy, you may be exposing yourself to unnecessary tax, compliance issues, and future restructuring costs.<\/p><p data-start=\"940\" data-end=\"1416\">We help you identify which investments may cause you tax headaches in Australia, and whether any should be sold or restructured before your tax residency changes. If you are wondering whether there are tax-efficient accounts you could utilise prior to your departure, or if you should you redirect some of your investments into your Superannuation, get in touch.<\/p><p data-start=\"1418\" data-end=\"1864\">Asset allocation is just as important as the accounts within which your funds are \/ will be sitting. Are CHF-denominated assets still suitable? Are you overweight in Swiss companies? There are many factors to consider as to how your needs may change when your expenses, income, and goals shift back to AUD. We help you transition to an investment strategy aligned with your long-term objectives in Australia, whether that includes buying a home, planning for school fees, or preparing for retirement.<\/p><p data-start=\"1866\" data-end=\"2175\">We combine Swiss regulatory experience with access to Australian-based, ASIC-regulated Advisers to ensure continuity of advice once you are in Australia. In this way, we minimise tax risks, ensure regulatory compliance, and allow your investments to keep working for you.<\/p><p data-start=\"2177\" data-end=\"2393\">If you are within 6 to 12 months of moving back to Australia, now is the time to start the conversation with Patterson Mills.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7011\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7011\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Taking Your Pensions With You (Pillar 1, 2 and 3) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7011\" class=\"elementor-element elementor-element-aeb0f4f e-con-full e-flex e-con e-child\" data-id=\"aeb0f4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-422ae2a elementor-widget elementor-widget-text-editor\" data-id=\"422ae2a\" 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 data-start=\"1677\" data-end=\"2037\">Are you eligible for a refund of your Swiss AHV\/AVS (Pillar 1) contributions? Will your Pillar 2 be taxed when you return to Australia? Should you withdraw your Pillar 3a before changing residency? When moving to Australia, understanding how each part of the Swiss pension system interacts with Australian tax rules is key. Without a clear strategy, you could face unnecessary tax liabilities, missed planning opportunities, and lost value.<\/p><p data-start=\"1677\" data-end=\"2037\"><strong>Pillar 1 (AHV\/AVS)<\/strong><\/p><p data-start=\"1677\" data-end=\"2037\">If you have contributed to the Swiss state pension (AHV\/AVS), you may be entitled to a refund of your (and your employer&#8217;s!) contributions when leaving Switzerland permanently. However, eligibility will depend on your nationality. Even if a refund is not possible, you should be able to apply for your Swiss Pillar 1 pension as a monthly income upon reaching Swiss retirement age.<\/p><p data-start=\"1677\" data-end=\"2037\"><strong>Pillar 2 (BVG\/LPP)<\/strong><\/p><p data-start=\"1677\" data-end=\"2037\">Your Pillar 2 pension is likely one of your largest retirement assets. It can be withdrawn as a lump sum (both mandatory and extra-mandatory (voluntary) contributions) or invested in a <a href=\"https:\/\/pattersonmills.ch\/fr\/vested-benefits-accounts\/\">vested benefits account<\/a>. Each option has different tax consequences in both Switzerland and Australia. Australia may tax the full lump sum if it is received after you become tax resident again.<\/p><p data-start=\"1677\" data-end=\"2037\"><b>Pillar 3<\/b><\/p><p data-start=\"1677\" data-end=\"2037\">Pillar 3a funds are often overlooked in planning, but poor timing on withdrawal or account closure can result in unnecessary tax. These accounts are designed for Swiss residents, and holding them after departure may restrict access or trigger future reporting issues in Australia. You may be asked to close your account by your Provider, or not be able to manage your account. Hence, it is usually a good idea to consider where these funds will end up.<\/p><p data-start=\"1677\" data-end=\"2037\"><b> The ATO&#8217;s Six-Month Rule for Foreign Pension Withdrawals (<a href=\"https:\/\/www.ato.gov.au\/individuals-and-families\/super-for-individuals-and-families\/super\/foreign-super-funds\/withdraw-a-lump-sum-directly-from-a-foreign-super-fund\" target=\"_blank\" rel=\"noopener\">see ATO website here<\/a>).<\/b><\/p><p data-start=\"1677\" data-end=\"2037\">If you withdraw a lump sum from a foreign pension scheme (in this instance, &#8216;foreign&#8217; refers to outside of Australia), such as your Swiss Pillar 2 or Pillar 3a, within six months of becoming an Australian tax resident, that amount may be exempt from Australian tax, provided specific conditions are met.<\/p><p data-start=\"1677\" data-end=\"2037\">According to the Australian Taxation Office (ATO), the payment will be tax-free if it relates only to a period during which you were not an Australian resident, and does not exceed the vested amount in the fund at the time of withdrawal.<\/p><p data-start=\"1677\" data-end=\"2037\">This rule offers a valuable planning window for expats, allowing them to extract funds from Swiss pension accounts without triggering assessable income in Australia. However, once the six-month period has passed, any earnings accumulated in the fund since your Australian tax residency began may be taxed.<\/p><p data-start=\"1677\" data-end=\"2037\">Timing your pension withdrawal is therefore critical, and we provide tailored advice to help you structure this correctly in both jurisdictions.<\/p><p data-start=\"1677\" data-end=\"2037\">As you can see, there is far more to pensions than meets the eye, so get in touch to ensure you are planning correctly and compliantly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7012\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7012\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Tax Planning Before Leaving Switzerland <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7012\" class=\"elementor-element elementor-element-75f59e9 e-con-full e-flex e-con e-child\" data-id=\"75f59e9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1579a2a elementor-widget elementor-widget-text-editor\" data-id=\"1579a2a\" 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 data-start=\"489\" data-end=\"930\">Most relocations come with\u00a0 their important tax consequences, and moving to Australia is no different. Tax has a large impact on your income, investments, and retirement savings. Without a proper strategy, you may be exposed to double taxation, unplanned assessments, or reporting complications in both countries.<\/p><p data-start=\"932\" data-end=\"1462\">Firstly, Switzerland and Australia DO have a Double Tax Agreement (DTA) designed to prevent the same income from being taxed twice. This treaty includes important provisions, such as Article 18 (pensions and annuities) and Article 21 (other income), which determine which country has taxing rights over different types of income once you become an Australian tax resident again.<\/p><p data-start=\"932\" data-end=\"1462\">It is also important to address other aspects of your tax position. These may include capital gains realisation strategies, unwinding or restructuring any Swiss holding entities or trusts, and managing currency exposure on reportable income. The Income Tax Assessment Act 1997 (Cth) in Australia requires returning residents to declare foreign income, including dividends, interest, and rental income, from the date they re-establish tax residency. Coordinating the timing of income and recognising assessable events under both tax systems can significantly improve your post-relocation position.<\/p><p data-start=\"932\" data-end=\"1462\">We also assist with strategies such as the use of tax-advantaged vehicles, capital gains realisation planning, and identifying whether trusts or holding structures need to be reviewed or unwound before your move.<\/p><p data-start=\"2439\" data-end=\"2839\">Tax planning is not something to leave until after you arrive. By reviewing your position before departure, we can help you take advantage of treaty protections, prevent tax mismatches, and ensure a smooth transition. Our team works closely with Australian tax specialists to provide coordinated advice that is tailored to your residency status, investment structure, and long-term goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7013\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7013\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Property Considerations When Moving to Australia <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7013\" class=\"elementor-element elementor-element-93b1022 e-con-full e-flex e-con e-child\" data-id=\"93b1022\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0e2576a elementor-widget elementor-widget-text-editor\" data-id=\"0e2576a\" 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 data-start=\"509\" data-end=\"883\">As you plan your relocation to Australia, your property decisions will shape both your lifestyle and your financial position. Whether you are thinking about selling property in Switzerland, moving back into your Australian home, or buying a new property, it is important to structure the transition carefully to avoid tax issues, legal delays, or financing barriers.<\/p><p data-start=\"885\" data-end=\"1497\"><strong>If you own property in Switzerland<\/strong>, selling before you return may be more tax-efficient depending on your Swiss and Australian residency status at the time of sale. Switzerland does not apply capital gains tax on primary residences in the same way Australia does, but cantonal property gains tax may still apply. Timing the sale while still non-resident in Australia can also help reduce the risk of triggering assessable foreign income under Australian tax law. We help you evaluate your holding, calculate potential liabilities, and decide when and how to exit Swiss property ownership efficiently.<\/p><p data-start=\"1499\" data-end=\"1977\"><strong>For those who own a property in Australia that is currently rented out<\/strong>, you will need to follow state or territory tenancy laws to regain possession for personal use. Most states allow landlords to end a lease for the purpose of moving in, but there are strict rules around notice periods, fixed-term leases, and the evidence required to support re-occupation. Coordinating this with your return date is essential to ensure the property is available when needed.<\/p><p data-start=\"1979\" data-end=\"2458\"><strong>If you are planning to purchase a home in Australia<\/strong>, mortgage eligibility can be a challenge. Many banks require evidence of stable Australian income, such as payslips or a signed employment contract, before approving a home loan. Some lenders may still accept overseas income under limited circumstances, but these options tend to be restrictive.<\/p><p data-start=\"1979\" data-end=\"2458\">Whether you are selling, reoccupying, or buying, property planning should be an integral part of your relocation strategy. Our approach ensures that tax, timing, and legal considerations are fully aligned, so you can return home with clarity and confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-7014\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-7014\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Your Relocation Checklist <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-7014\" class=\"elementor-element elementor-element-64acd69 e-con-full e-flex e-con e-child\" data-id=\"64acd69\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d2debe5 elementor-widget elementor-widget-text-editor\" data-id=\"d2debe5\" 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>Planning your return to Australia involves more than just booking flights and packing boxes. From tax timing and pension withdrawals to property decisions and insurance cover, each step has financial implications that can impact your future.<\/p><p>To help you know where to start, we have prepared a comprehensive checklist covering the key areas to review before you leave Switzerland (in no particular order).<\/p><ul><li data-start=\"452\" data-end=\"550\"><p data-start=\"455\" data-end=\"550\">Review your tax residency start date and understand its impact on global income reporting<\/p><\/li><li data-start=\"452\" data-end=\"550\"><p data-start=\"455\" data-end=\"550\">Decide whether to, and perhaps when to, withdraw your Pillar 2 and 3a<\/p><\/li><li data-start=\"452\" data-end=\"550\"><p data-start=\"455\" data-end=\"550\">Assess your eligibility and suitability for applying\u00a0for a Pillar 1 refund<\/p><\/li><li data-start=\"742\" data-end=\"824\"><p data-start=\"745\" data-end=\"824\">Close or restructure any non-resident bank accounts or platforms that will no longer be accessible<\/p><\/li><li data-start=\"1001\" data-end=\"1108\"><p data-start=\"1004\" data-end=\"1108\">Speak to lenders about your mortgage eligibility in Australia if buying a home<\/p><\/li><li data-start=\"1201\" data-end=\"1304\"><p data-start=\"1204\" data-end=\"1304\">Give tenants notice (in line with state laws) if you plan to reoccupy your Australian property<\/p><\/li><li data-start=\"1305\" data-end=\"1395\"><p data-start=\"1309\" data-end=\"1395\">Plan the sale of any Swiss property, factoring in cantonal taxes and a currency exchange strategy<\/p><\/li><li data-start=\"1396\" data-end=\"1507\"><p data-start=\"1400\" data-end=\"1507\">Ensure your Australian superannuation is aligned with your upcoming contributions and access timeline<\/p><\/li><li data-start=\"1508\" data-end=\"1600\"><p data-start=\"1512\" data-end=\"1600\">Compare health, life, illness and other insurance options and ensure you have cover from the day you arrive<\/p><\/li><li data-start=\"1601\" data-end=\"1721\"><p data-start=\"1605\" data-end=\"1721\">Review or take out income protection, life, and TPD insurance to reflect Australian providers and policy terms<\/p><\/li><li data-start=\"1722\" data-end=\"1809\"><p data-start=\"1726\" data-end=\"1809\">Update your estate planning documents, including Wills and powers of attorney<\/p><\/li><li data-start=\"1810\" data-end=\"1887\"><p data-start=\"1814\" data-end=\"1887\">Settle any outstanding Swiss tax or pension obligations before exit<\/p><\/li><li data-start=\"1888\" data-end=\"1967\"><p data-start=\"1892\" data-end=\"1967\">Confirm your Swiss deregistration and collect departure documentation<\/p><\/li><li data-start=\"1968\" data-end=\"2061\"><p data-start=\"1972\" data-end=\"2061\">Update your postal and billing addresses with all Swiss and Australian institutions<\/p><\/li><li data-start=\"2062\" data-end=\"2166\"><p data-start=\"2066\" data-end=\"2166\">Consolidate documents: Swiss pension statements, tax certificates, investment account closures<\/p><\/li><li data-start=\"2167\" data-end=\"2258\"><p data-start=\"2171\" data-end=\"2258\">Review your currency exposure and cashflow plan for arrival and first 6 to 12 months<\/p><\/li><li data-start=\"2259\" data-end=\"2357\"><p data-start=\"2263\" data-end=\"2357\">Contact Patterson Mills to create a personalised plan and avoid costly mistakes<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\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<div class=\"elementor-element elementor-element-c04410b elementor-hidden-desktop elementor-widget elementor-widget-n-accordion\" data-id=\"c04410b\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:550,&quot;sizes&quot;:[]},&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2010\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2010\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Investment Planning When Returning to Australia <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2010\" class=\"elementor-element elementor-element-0ee353a e-con-full e-flex e-con e-child\" data-id=\"0ee353a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ef0d124 elementor-widget elementor-widget-text-editor\" data-id=\"ef0d124\" 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 data-start=\"398\" data-end=\"815\">Many expats returning to Australia, whether Australian citizens or not, often underestimate the complexity of managing cross-border investments. Swiss capital gains tax exemptions do not follow you back to Australia. Once you become an Australian tax resident again, all your global investments, including those held in Swiss based accounts, become reportable and potentially taxable under Australian rules. Without a clear strategy, you may be exposing yourself to unnecessary tax, compliance issues, and future restructuring costs.<\/p><p data-start=\"940\" data-end=\"1416\">We help you identify which investments may cause you tax headaches in Australia, and whether any should be sold or restructured before your tax residency changes. If you are wondering whether there are tax-efficient accounts you could utilise prior to your departure, or if you should you redirect some of your investments into your Superannuation, get in touch.<\/p><p data-start=\"1418\" data-end=\"1864\">Asset allocation is just as important as the accounts within which your funds are \/ will be sitting. Are CHF-denominated assets still suitable? Are you overweight in Swiss companies? There are many factors to consider as to how your needs may change when your expenses, income, and goals shift back to AUD. We help you transition to an investment strategy aligned with your long-term objectives in Australia, whether that includes buying a home, planning for school fees, or preparing for retirement.<\/p><p data-start=\"1866\" data-end=\"2175\">We combine Swiss regulatory experience with access to Australian-based, ASIC-regulated Advisers to ensure continuity of advice once you are in Australia. In this way, we minimise tax risks, ensure regulatory compliance, and allow your investments to keep working for you.<\/p><p data-start=\"2177\" data-end=\"2393\">If you are within 6 to 12 months of moving back to Australia, now is the time to start the conversation with Patterson Mills.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2011\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2011\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Taking Your Pensions With You (Pillar 1, 2 and 3) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2011\" class=\"elementor-element elementor-element-55dcc36 e-con-full e-flex e-con e-child\" data-id=\"55dcc36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-501b45d elementor-widget elementor-widget-text-editor\" data-id=\"501b45d\" 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 data-start=\"1677\" data-end=\"2037\">Are you eligible for a refund of your Swiss AHV\/AVS (Pillar 1) contributions? Will your Pillar 2 be taxed when you return to Australia? Should you withdraw your Pillar 3a before changing residency? When moving to Australia, understanding how each part of the Swiss pension system interacts with Australian tax rules is key. Without a clear strategy, you could face unnecessary tax liabilities, missed planning opportunities, and lost value.<\/p><p data-start=\"1677\" data-end=\"2037\"><strong>Pillar 1 (AHV\/AVS)<\/strong><\/p><p data-start=\"1677\" data-end=\"2037\">If you have contributed to the Swiss state pension (AHV\/AVS), you may be entitled to a refund of your (and your employer&#8217;s!) contributions when leaving Switzerland permanently. However, eligibility will depend on your nationality. Even if a refund is not possible, you should be able to apply for your Swiss Pillar 1 pension as a monthly income upon reaching Swiss retirement age.<\/p><p data-start=\"1677\" data-end=\"2037\"><strong>Pillar 2 (BVG\/LPP)<\/strong><\/p><p data-start=\"1677\" data-end=\"2037\">Your Pillar 2 pension is likely one of your largest retirement assets. It can be withdrawn as a lump sum (both mandatory and extra-mandatory (voluntary) contributions) or invested in a <a href=\"https:\/\/pattersonmills.ch\/fr\/vested-benefits-accounts\/\">vested benefits account<\/a>. Each option has different tax consequences in both Switzerland and Australia. Australia may tax the full lump sum if it is received after you become tax resident again.<\/p><p data-start=\"1677\" data-end=\"2037\"><b>Pillar 3<\/b><\/p><p data-start=\"1677\" data-end=\"2037\">Pillar 3a funds are often overlooked in planning, but poor timing on withdrawal or account closure can result in unnecessary tax. These accounts are designed for Swiss residents, and holding them after departure may restrict access or trigger future reporting issues in Australia. You may be asked to close your account by your Provider, or not be able to manage your account. Hence, it is usually a good idea to consider where these funds will end up.<\/p><p data-start=\"1677\" data-end=\"2037\"><b> The ATO&#8217;s Six-Month Rule for Foreign Pension Withdrawals (<a href=\"https:\/\/www.ato.gov.au\/individuals-and-families\/super-for-individuals-and-families\/super\/foreign-super-funds\/withdraw-a-lump-sum-directly-from-a-foreign-super-fund\" target=\"_blank\" rel=\"noopener\">see ATO website here<\/a>).<\/b><\/p><p data-start=\"1677\" data-end=\"2037\">If you withdraw a lump sum from a foreign pension scheme (in this instance, &#8216;foreign&#8217; refers to outside of Australia), such as your Swiss Pillar 2 or Pillar 3a, within six months of becoming an Australian tax resident, that amount may be exempt from Australian tax, provided specific conditions are met.<\/p><p data-start=\"1677\" data-end=\"2037\">According to the Australian Taxation Office (ATO), the payment will be tax-free if it relates only to a period during which you were not an Australian resident, and does not exceed the vested amount in the fund at the time of withdrawal.<\/p><p data-start=\"1677\" data-end=\"2037\">This rule offers a valuable planning window for expats, allowing them to extract funds from Swiss pension accounts without triggering assessable income in Australia. However, once the six-month period has passed, any earnings accumulated in the fund since your Australian tax residency began may be taxed.<\/p><p data-start=\"1677\" data-end=\"2037\">Timing your pension withdrawal is therefore critical, and we provide tailored advice to help you structure this correctly in both jurisdictions.<\/p><p data-start=\"1677\" data-end=\"2037\">As you can see, there is far more to pensions than meets the eye, so get in touch to ensure you are planning correctly and compliantly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2012\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2012\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Tax Planning Before Leaving Switzerland <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2012\" class=\"elementor-element elementor-element-d82105b e-con-full e-flex e-con e-child\" data-id=\"d82105b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6207bdd elementor-widget elementor-widget-text-editor\" data-id=\"6207bdd\" 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 data-start=\"489\" data-end=\"930\">Most relocations come with\u00a0 their important tax consequences, and moving to Australia is no different. Tax has a large impact on your income, investments, and retirement savings. Without a proper strategy, you may be exposed to double taxation, unplanned assessments, or reporting complications in both countries.<\/p><p data-start=\"932\" data-end=\"1462\">Firstly, Switzerland and Australia DO have a Double Tax Agreement (DTA) designed to prevent the same income from being taxed twice. This treaty includes important provisions, such as Article 18 (pensions and annuities) and Article 21 (other income), which determine which country has taxing rights over different types of income once you become an Australian tax resident again.<\/p><p data-start=\"932\" data-end=\"1462\">It is also important to address other aspects of your tax position. These may include capital gains realisation strategies, unwinding or restructuring any Swiss holding entities or trusts, and managing currency exposure on reportable income. The Income Tax Assessment Act 1997 (Cth) in Australia requires returning residents to declare foreign income, including dividends, interest, and rental income, from the date they re-establish tax residency. Coordinating the timing of income and recognising assessable events under both tax systems can significantly improve your post-relocation position.<\/p><p data-start=\"932\" data-end=\"1462\">We also assist with strategies such as the use of tax-advantaged vehicles, capital gains realisation planning, and identifying whether trusts or holding structures need to be reviewed or unwound before your move.<\/p><p data-start=\"2439\" data-end=\"2839\">Tax planning is not something to leave until after you arrive. By reviewing your position before departure, we can help you take advantage of treaty protections, prevent tax mismatches, and ensure a smooth transition. Our team works closely with Australian tax specialists to provide coordinated advice that is tailored to your residency status, investment structure, and long-term goals.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2013\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2013\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Property Considerations When Moving to Australia <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2013\" class=\"elementor-element elementor-element-6d8e73a e-con-full e-flex e-con e-child\" data-id=\"6d8e73a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df9681a elementor-widget elementor-widget-text-editor\" data-id=\"df9681a\" 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 data-start=\"509\" data-end=\"883\">As you plan your relocation to Australia, your property decisions will shape both your lifestyle and your financial position. Whether you are thinking about selling property in Switzerland, moving back into your Australian home, or buying a new property, it is important to structure the transition carefully to avoid tax issues, legal delays, or financing barriers.<\/p><p data-start=\"885\" data-end=\"1497\"><strong>If you own property in Switzerland<\/strong>, selling before you return may be more tax-efficient depending on your Swiss and Australian residency status at the time of sale. Switzerland does not apply capital gains tax on primary residences in the same way Australia does, but cantonal property gains tax may still apply. Timing the sale while still non-resident in Australia can also help reduce the risk of triggering assessable foreign income under Australian tax law. We help you evaluate your holding, calculate potential liabilities, and decide when and how to exit Swiss property ownership efficiently.<\/p><p data-start=\"1499\" data-end=\"1977\"><strong>For those who own a property in Australia that is currently rented out<\/strong>, you will need to follow state or territory tenancy laws to regain possession for personal use. Most states allow landlords to end a lease for the purpose of moving in, but there are strict rules around notice periods, fixed-term leases, and the evidence required to support re-occupation. Coordinating this with your return date is essential to ensure the property is available when needed.<\/p><p data-start=\"1979\" data-end=\"2458\"><strong>If you are planning to purchase a home in Australia<\/strong>, mortgage eligibility can be a challenge. Many banks require evidence of stable Australian income, such as payslips or a signed employment contract, before approving a home loan. Some lenders may still accept overseas income under limited circumstances, but these options tend to be restrictive.<\/p><p data-start=\"1979\" data-end=\"2458\">Whether you are selling, reoccupying, or buying, property planning should be an integral part of your relocation strategy. Our approach ensures that tax, timing, and legal considerations are fully aligned, so you can return home with clarity and confidence.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2014\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2014\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Your Relocation Checklist <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2014\" class=\"elementor-element elementor-element-ce47a8f e-con-full e-flex e-con e-child\" data-id=\"ce47a8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cbd4bfb elementor-widget elementor-widget-text-editor\" data-id=\"cbd4bfb\" 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>Planning your return to Australia involves more than just booking flights and packing boxes. From tax timing and pension withdrawals to property decisions and insurance cover, each step has financial implications that can impact your future.<\/p><p>To help you know where to start, we have prepared a comprehensive checklist covering the key areas to review before you leave Switzerland (in no particular order).<\/p><ul><li data-start=\"452\" data-end=\"550\"><p data-start=\"455\" data-end=\"550\">Review your tax residency start date and understand its impact on global income reporting<\/p><\/li><li data-start=\"452\" data-end=\"550\"><p data-start=\"455\" data-end=\"550\">Decide whether to, and perhaps when to, withdraw your Pillar 2 and 3a<\/p><\/li><li data-start=\"452\" data-end=\"550\"><p data-start=\"455\" data-end=\"550\">Assess your eligibility and suitability for applying\u00a0for a Pillar 1 refund<\/p><\/li><li data-start=\"742\" data-end=\"824\"><p data-start=\"745\" data-end=\"824\">Close or restructure any non-resident bank accounts or platforms that will no longer be accessible<\/p><\/li><li data-start=\"1001\" data-end=\"1108\"><p data-start=\"1004\" data-end=\"1108\">Speak to lenders about your mortgage eligibility in Australia if buying a home<\/p><\/li><li data-start=\"1201\" data-end=\"1304\"><p data-start=\"1204\" data-end=\"1304\">Give tenants notice (in line with state laws) if you plan to reoccupy your Australian property<\/p><\/li><li data-start=\"1305\" data-end=\"1395\"><p data-start=\"1309\" data-end=\"1395\">Plan the sale of any Swiss property, factoring in cantonal taxes and a currency exchange strategy<\/p><\/li><li data-start=\"1396\" data-end=\"1507\"><p data-start=\"1400\" data-end=\"1507\">Ensure your Australian superannuation is aligned with your upcoming contributions and access timeline<\/p><\/li><li data-start=\"1508\" data-end=\"1600\"><p data-start=\"1512\" data-end=\"1600\">Compare health, life, illness and other insurance options and ensure you have cover from the day you arrive<\/p><\/li><li data-start=\"1601\" data-end=\"1721\"><p data-start=\"1605\" data-end=\"1721\">Review or take out income protection, life, and TPD insurance to reflect Australian providers and policy terms<\/p><\/li><li data-start=\"1722\" data-end=\"1809\"><p data-start=\"1726\" data-end=\"1809\">Update your estate planning documents, including Wills and powers of attorney<\/p><\/li><li data-start=\"1810\" data-end=\"1887\"><p data-start=\"1814\" data-end=\"1887\">Settle any outstanding Swiss tax or pension obligations before exit<\/p><\/li><li data-start=\"1888\" data-end=\"1967\"><p data-start=\"1892\" data-end=\"1967\">Confirm your Swiss deregistration and collect departure documentation<\/p><\/li><li data-start=\"1968\" data-end=\"2061\"><p data-start=\"1972\" data-end=\"2061\">Update your postal and billing addresses with all Swiss and Australian institutions<\/p><\/li><li data-start=\"2062\" data-end=\"2166\"><p data-start=\"2066\" data-end=\"2166\">Consolidate documents: Swiss pension statements, tax certificates, investment account closures<\/p><\/li><li data-start=\"2167\" data-end=\"2258\"><p data-start=\"2171\" data-end=\"2258\">Review your currency exposure and cashflow plan for arrival and first 6 to 12 months<\/p><\/li><li data-start=\"2259\" data-end=\"2357\"><p data-start=\"2263\" data-end=\"2357\">Contact Patterson Mills to create a personalised plan and avoid costly mistakes<\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\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<div class=\"elementor-element elementor-element-b47ac5e elementor-align-left animated-slow elementor-invisible elementor-widget elementor-widget-button\" data-id=\"b47ac5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/pattersonmills.ch\/fr\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nous Contacter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-57756cd elementor-section-full_width elementor-hidden-desktop elementor-hidden-tablet elementor-section-height-default elementor-section-height-default\" data-id=\"57756cd\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-6392add\" data-id=\"6392add\" 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-0aa11cf elementor-widget elementor-widget-image\" data-id=\"0aa11cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"670\" height=\"482\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2022\/08\/australian-expats-unique-clients-mobile.jpg\" class=\"attachment-full size-full wp-image-5419\" alt=\"\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2022\/08\/australian-expats-unique-clients-mobile.jpg 670w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2022\/08\/australian-expats-unique-clients-mobile-300x216.jpg 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2022\/08\/australian-expats-unique-clients-mobile-18x12.jpg 18w\" sizes=\"(max-width: 670px) 100vw, 670px\" \/>\t\t\t\t\t\t\t\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27a2c1f elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"27a2c1f\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-33 elementor-top-column elementor-element elementor-element-63a4022 elementor-hidden-mobile elementor-invisible\" data-id=\"63a4022\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeIn&quot;}\">\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-47d382d elementor-widget elementor-widget-spacer\" data-id=\"47d382d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\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<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1539d95\" data-id=\"1539d95\" 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-2879f45 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"2879f45\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;}\" 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\">Un service aussi unique que nos clients<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de5024d animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"de5024d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" 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>Les complexit\u00e9s du monde financier peuvent sembler intimidantes. Avec la myriade de r\u00e8gles fiscales diff\u00e9rentes, les r\u00e9glementations en mati\u00e8re d'investissement, etc., il peut \u00eatre extr\u00eamement difficile de savoir si votre argent travaille aussi efficacement que possible pour vous.<\/p><p>C'est l\u00e0 que nous intervenons.<\/p><p>Gr\u00e2ce \u00e0 notre service de conseil sp\u00e9cialis\u00e9 adapt\u00e9 aux expatri\u00e9s australiens, \u00e0 notre responsable interne des op\u00e9rations australiennes et \u00e0 nos partenaires \u00e0 Sydney, nous connaissons bien les diff\u00e9rents types de solutions adapt\u00e9es \u00e0 votre situation.<\/p><p>Il n'existe pas de solution unique pour tous. Cependant, \u00e9tant totalement ind\u00e9pendants, nous avons veill\u00e9 \u00e0 ce que notre acc\u00e8s \u00e0 l'ensemble du march\u00e9 nous permette de servir les clients d'une mani\u00e8re aussi unique qu'eux.<\/p><p><strong>Pour savoir ce qui vous manque peut-\u00eatre,<a href=\"https:\/\/pattersonmills.ch\/fr\/contact\/\"><span style=\"text-decoration: underline;\"> contactez-nous<\/span><\/a>. Vous n'avez rien \u00e0 perdre et potentiellement beaucoup \u00e0 gagner.<\/strong><\/p>\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2096eff elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2096eff\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-17c6d7e\" data-id=\"17c6d7e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\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-faab779 animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"faab779\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5}\" 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-70eb192 animated-slow elementor-invisible elementor-widget elementor-widget-n-accordion\" data-id=\"70eb192\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:500,&quot;sizes&quot;:[]},&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:0.5,&quot;max_items_expended&quot;:&quot;one&quot;}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1180\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1180\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I contribute to my Superannuation as an Australian Expat? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1180\" class=\"elementor-element elementor-element-976f5fb e-con-full e-flex e-con e-child\" data-id=\"976f5fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42c37b4 elementor-widget elementor-widget-text-editor\" data-id=\"42c37b4\" 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=\"Lexical__paragraph\" dir=\"ltr\">You can contribute to your Australian superannuation as an expat; however, your contributions may not be tax-deductible if you are not generating taxable Australian income (such as the income you receive from a rental property in Australia).<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">If you have a Self-Managed Super Fund (SMSF), there are residency requirements, and the fund must meet the &#8220;Australian Superannuation Fund&#8221; test to remain compliant. This includes keeping the central management and control of the fund in Australia.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1181\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1181\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I access my Superannuation as an Australian Expat? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1181\" class=\"elementor-element elementor-element-22b7a1e e-con-full e-flex e-con e-child\" data-id=\"22b7a1e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0fab1ad elementor-widget elementor-widget-text-editor\" data-id=\"0fab1ad\" 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=\"Lexical__paragraph\" dir=\"ltr\">You can access your superannuation once you meet a condition of release, such as reaching your preservation age (currently between 55 and 60, depending on your date of birth) and officially retiring. Alternatively, access may be granted when you reach age 65, even if you are still working.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">Being an Australian expat does not allow for early access to your superannuation, as the same standard rules apply regardless of your residency. Exceptions, such as severe financial hardship or terminal illness, may allow you early access to your Super under specific circumstances, but these are assessed on a case-by-case basis.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1182\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1182\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is my Australian Superannuation taxable in Switzerland? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1182\" class=\"elementor-element elementor-element-14e2be7 e-con-full e-flex e-con e-child\" data-id=\"14e2be7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0c575e2 elementor-widget elementor-widget-text-editor\" data-id=\"0c575e2\" 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=\"Lexical__paragraph\" dir=\"ltr\"><span data-teams=\"true\">Your Australian superannuation is liable for tax in Switzerland if you are a Swiss tax resident. Superannuation withdrawals, whether as lump sums or regular payments, are generally either taxed at your marginal income tax rate or at a preferential pension rate, depending on how you withdraw the funds and your cantonal tax authorities.<\/span><\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">This is in line with Article 18 of the Double Taxation Agreement (DTA) between Australia and Switzerland, which states that pensions are taxed in the country where you are a resident.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1183\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1183\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What happens to my Swiss pension if I move back to Australia? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1183\" class=\"elementor-element elementor-element-0a29a22 e-con-full e-flex e-con e-child\" data-id=\"0a29a22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e0017fc elementor-widget elementor-widget-text-editor\" data-id=\"e0017fc\" 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=\"Lexical__paragraph\" dir=\"ltr\">When you move back to Australia, you can withdraw your Swiss Pillar 2 and 3 pensions. However, transferring these directly into your Australian superannuation is typically not possible, as most super funds do not accept such transfers.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">Upon withdrawal, your Swiss pensions are subject to withholding tax, which is levied either in your last canton of residence or in the canton of residence of your pension provider. The tax rate varies by canton, with some being significantly more favourable than others.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">Additionally, if you are solely a citizen of Australia (i.e. you have no other passports), you may be eligible for a refund of your Swiss Pillar 1 contributions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1184\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1184\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Am I still eligible for the Australian Age Pension while living overseas? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1184\" class=\"elementor-element elementor-element-abd0388 e-con-full e-flex e-con e-child\" data-id=\"abd0388\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7210567 elementor-widget elementor-widget-text-editor\" data-id=\"7210567\" 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=\"Lexical__paragraph\" dir=\"ltr\">You can still be eligible for the Australian Age Pension while living overseas, but this will depend on meeting the eligibility requirements which differ slightly for non-residents, compared to those living in Australia.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">The amount you would be eligible to receive is based on a number of factors including; how long you have lived and worked in Australia, the assets and income tests, your marital status, and whether your partner (if applicable) is also eligible for the Australian Age Pension.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1185\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1185\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is my Australian property taxable in Switzerland? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1185\" class=\"elementor-element elementor-element-44d2407 e-con-full e-flex e-con e-child\" data-id=\"44d2407\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1640943 elementor-widget elementor-widget-text-editor\" data-id=\"1640943\" 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>Your Australian property and any income it generates is not directly taxed in Switzerland, but it will contribute to your wealth tax assessment, and its imputed rental value (or actual rental income) will be taken into consideration when calculating your marginal income tax rate in Switzerland.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1186\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1186\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What are the tax implications of selling property in Australia while residing in Switzerland? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1186\" class=\"elementor-element elementor-element-f83d162 e-con-full e-flex e-con e-child\" data-id=\"f83d162\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45e660b elementor-widget elementor-widget-text-editor\" data-id=\"45e660b\" 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=\"Lexical__paragraph\" dir=\"ltr\">If you sell property in Australia while living in Switzerland, you will be subject to Australian Capital Gains Tax (CGT), even if it is considered your main residence.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">The capital gain from selling an Australian property will not taxed again in Switzerland but the gain may be used to calculate your marginal tax rate on your Swiss income.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1187\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1187\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Should I buy property in Australia while living in Switzerland? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1187\" class=\"elementor-element elementor-element-24b04d0 e-con-full e-flex e-con e-child\" data-id=\"24b04d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9430a87 elementor-widget elementor-widget-text-editor\" data-id=\"9430a87\" 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=\"Lexical__paragraph\" dir=\"ltr\">Buying property in Australia while living in Switzerland can seem like a solid investment, and is a very popular choice for Australian expats.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">However, the implications for non-tax-residents can be significant and vary depending on your situation.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">If you already own property before moving overseas, the main residence exemption can still apply if you return within six years (if it was rented out) or indefinitely if it was not used to produce income. However, if you sell your main residence while still a Swiss tax-resident, you lose this exemption and pay the full CGT amount.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">If you purchase an Australian property while living in Switzerland, you generally cannot claim it as your main residence until you physically move in. This means that when selling the property after returning to Australia, the years spent overseas would not be tax-exempt.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">Other factors for consideration include no tax-free threshold on rental income, stricter lending criteria for non-residents, currency risks when repaying an AUD mortgage whilst earning in CHF, and additional land taxes in some states.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">While Australian property can be a valuable long-term asset, it is crucial to weigh the costs, tax implications, and alternative investment options before committing.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1188\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1188\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Are my Australian investments taxable in Switzerland? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1188\" class=\"elementor-element elementor-element-3137c8f e-con-full e-flex e-con e-child\" data-id=\"3137c8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bb7b99 elementor-widget elementor-widget-text-editor\" data-id=\"3bb7b99\" 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=\"Lexical__paragraph\" dir=\"ltr\">Yes, as a Swiss tax-resident, income from your Australian investments, such as dividends or interest, is liable for tax in Switzerland. However, any taxes paid in Australia may be able to be credited under the Double Taxation Agreement (DTA) between the two countries.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1189\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1189\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> What is a deemed disposal? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1189\" class=\"elementor-element elementor-element-55a1e0f e-con-full e-flex e-con e-child\" data-id=\"55a1e0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8796aa3 elementor-widget elementor-widget-text-editor\" data-id=\"8796aa3\" 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=\"Lexical__paragraph\" dir=\"ltr\">A deemed disposal occurs when you treat your assets, such as an investment portfolio, as if they have been sold without actually selling them. This process requires you to declare any capital gain or loss up to the point at which you make a deemed disposal, and pay tax on the gain.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">This is a popular option for expats prior to leaving Australia, as Switzerland can offer a more tax-efficient environment for your assets.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">If you do not sell your assets or make a deemed disposal, the ATO may continue to classify them as Taxable Australian Property (TAP) even when you are no longer an Australian tax-resident. This means that future growth, up to the point of sale, may be liable for Capital Gains Tax (CGT) in Australia.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">If you were to sell the assets while a tax-resident of Switzerland, you may not be eligible to receive the full 50% CGT discount on assets held for over 12-months as a non-Australian tax resident.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">A deemed disposal is not available on Australian immovable property (e.g. real estate), which always remains TAP.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-11810\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-11810\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Should I put my savings into an Australian bank account for a higher interest rate? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-11810\" class=\"elementor-element elementor-element-2222f72 e-con-full e-flex e-con e-child\" data-id=\"2222f72\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ae6c03b elementor-widget elementor-widget-text-editor\" data-id=\"ae6c03b\" 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=\"Lexical__paragraph\" dir=\"ltr\">While Australian bank accounts can offer higher interest rates, it is important to consider currency exchange risks, tax implications in Switzerland, and the concept of interest rate parity.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">Interest rate parity is an economic principle that suggests higher interest rates in one country often reflect currency risk, accounting for the potential fluctuations and possible depreciation of AUD relative to CHF which in turn could offset the benefit of a higher interest rate.\u00a0<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">If you intend to live, work and spend in Switzerland for the foreseeable future, holding your savings in AUD exposes you to these currency fluctuations. Even if an Australian account offers a higher nominal return, a weakening AUD could erode the value of your savings when converted back to CHF.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">Additionally, you should factor in exchange fees and international transfer costs, which can further impact the effective return on your savings when moving funds between currencies.<\/p><p class=\"Lexical__paragraph\" dir=\"ltr\">Read our article on <a href=\"https:\/\/pattersonmills.ch\/fr\/holding-foreign-currencies-to-get-a-higher-interest-rate-should-you-do-it\/\">holding foreign currencies to get a higher interest rate here<\/a> for more information<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\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<div class=\"elementor-element elementor-element-d0ec45f elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"d0ec45f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:1}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/pattersonmills.ch\/fr\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nous Contacter<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fd31961 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"fd31961\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-6fd92cb\" data-id=\"6fd92cb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;none&quot;}\">\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-6f9248d elementor-widget elementor-widget-heading\" data-id=\"6f9248d\" 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-large\">Pages associ\u00e9es<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59c9346 elementor-widget elementor-widget-text-editor\" data-id=\"59c9346\" 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><a href=\"http:\/\/pattersonmills.ch\/fr\/relocating-to-switzerland\/\">D\u00e9m\u00e9nager en Suisse<\/a> \u00a0\u00a0 \u00a0\u00a0 \u00a0\u00a0<a href=\"http:\/\/pattersonmills.ch\/fr\/relocating-to-the-uk\/\">D\u00e9m\u00e9nagement au Royaume-Uni<\/a>\u00a0 \u00a0 \u00a0 \u00a0 \u00a0<a href=\"http:\/\/pattersonmills.ch\/fr\/leaving-the-uk\/\">D\u00e9part du Royaume-Uni<\/a> \u00a0\u00a0 \u00a0\u00a0 \u00a0\u00a0<a href=\"http:\/\/pattersonmills.ch\/fr\/moving-eu-jurisdiction\/\">D\u00e9placement de la juridiction de l'UE<\/a><\/p>\t\t\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>Relocating to Australia If you are preparing to leave Switzerland and move to Australia, it is essential to review your financial arrangements to ensure a smooth transition. From tax planning to pensions and investment considerations, relocating presents a range of opportunities and challenges that are best addressed with careful guidance. Relocating to Australia If you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-15331","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/15331","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/comments?post=15331"}],"version-history":[{"count":88,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/15331\/revisions"}],"predecessor-version":[{"id":15673,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/15331\/revisions\/15673"}],"wp:attachment":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/media?parent=15331"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}