{"id":603,"date":"2021-12-15T13:32:54","date_gmt":"2021-12-15T13:32:54","guid":{"rendered":"http:\/\/pattersonmills.ch\/?page_id=603"},"modified":"2026-02-27T13:37:09","modified_gmt":"2026-02-27T12:37:09","slug":"australian-expatriates","status":"publish","type":"page","link":"https:\/\/pattersonmills.ch\/fr\/australian-expatriates\/","title":{"rendered":"Service des expatri\u00e9s Australiens"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"603\" class=\"elementor elementor-603\" 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\">Service des<br>expatri\u00e9s Australiens<\/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 living in Switzerland, relocating here, or are planning a return to Australia, ensure your finances are working as efficiently as possible and you are taking advantage of all available opportunities.<\/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=\"2560\" height=\"1707\" src=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-scaled.jpeg\" class=\"attachment-full size-full wp-image-11037\" alt=\"Australian Property in Australia\" srcset=\"https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-scaled.jpeg 2560w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-300x200.jpeg 300w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-1024x683.jpeg 1024w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-768x512.jpeg 768w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-1536x1024.jpeg 1536w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-2048x1365.jpeg 2048w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-18x12.jpeg 18w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-1200x800.jpeg 1200w, https:\/\/pattersonmills.ch\/wp-content\/uploads\/2023\/10\/AdobeStock_366161992-1980x1320.jpeg 1980w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\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-15f280d animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"15f280d\" 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\">Service des<br>expatri\u00e9s Australiens<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b4efe1 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"8b4efe1\" 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 living in Switzerland, relocating here, or are planning a return to Australia, ensure your finances are working as efficiently as possible and you are taking advantage of all available opportunities.<\/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\">Australian Financial Planning Specialists in Switzerland<\/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=\"66\" data-end=\"287\">As an Australian expat in Switzerland, you face a unique set of financial opportunities and challenges. Whether it be managing Australian property, optimising tax-efficient investment strategies, or planning for retirement, our team specialises in providing comprehensive financial advice tailored to your cross-border needs.<\/p><p data-start=\"508\" data-end=\"682\" data-is-last-node=\"\" data-is-only-node=\"\">We simplify complex financial matters, ensuring that you are able to remain on plan with your long-term objectives while maximising tax efficiency and protecting your wealth.<\/p><p data-start=\"508\" data-end=\"682\" data-is-last-node=\"\" data-is-only-node=\"\">Having worked with Australian expats in Switzerland for many years, we have the necessary depth of knowledge, experience and understanding to ensure that you can benefit from peace of mind and all available opportunities.<\/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 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; 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-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=\"LASTNAME\" data-required=\"*\">Nom de Famille<\/label>\r\n\r\n                <div class=\"entry__field\">\r\n                  <input class=\"input\" maxlength=\"200\" type=\"text\" id=\"LASTNAME\" name=\"LASTNAME\" autocomplete=\"off\" data-required=\"true\" required \/>\r\n                <\/div>\r\n              <\/div>\r\n\r\n              <label 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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<div class=\"elementor-element elementor-element-b93e07e elementor-widget elementor-widget-text-editor\" data-id=\"b93e07e\" 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>Patterson Mills will utilise your details in accordance with our Privacy Policy, to provide the Australian Expatriates in Switzerland Brochure to you, and will not share them outside of Patterson Mills.<\/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<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\"> International Investment Strategies <\/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=\"45\" data-end=\"417\">Investing as an Australian expat in Switzerland offers unique tax advantages that can significantly enhance your returns. Unlike in Australia, where capital gains are taxed at your marginal income tax rate, retail investors in Switzerland are exempt from tax on investment gains.<\/p><p data-start=\"45\" data-end=\"417\">This difference provides an opportunity to grow your investments more efficiently while benefiting from a stable and diverse market environment. Leveraging these advantages can play a crucial role in maximising your financial planning strategy(ies) as an expat.<\/p><p data-start=\"45\" data-end=\"417\">It can be problematic to take continued advice from any Advisor Firm in Australia, or any previous country of residence in fact, as you will likely lose out on regulatory protections and miss any potentially significant financial opportunities open to you about which your non-Swiss adviser is unaware.<\/p><p data-start=\"739\" data-end=\"1069\">Understanding the regulatory landscape is vital for international investors. Through our private wealth management and investment planning advice service, we only recommend investments that are wholly compliant with regulations in Switzerland and Australia.<\/p><p data-start=\"739\" data-end=\"1069\">This proactive approach minimises risks and prevents unexpected tax liabilities, allowing you to invest with confidence.<\/p><p data-start=\"1071\" data-end=\"1363\">Currency management is another critical aspect of international investing. Fluctuations in AUD and CHF can significantly impact your returns. This means that it is not always beneficial to transfer funds from or to AUD to benefit from higher interest rates.<\/p><p data-start=\"1365\" data-end=\"1630\">We believe that a disciplined investment process is key to achieving long-term success. Our approach combines thorough research, regular portfolio reviews, and adjustments based on market conditions to keep your investments aligned with your financial objectives.<\/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\"> Swiss Pensions &amp; Superannuation <\/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\">Navigating both Swiss pensions and Australian Superannuation can be complex and raise many questions for Australian expats: Do you contribute to your Super while not an Australian resident? Are Pillar 2 buy-backs \/ buy-ins a good idea if you are returning to Australia? Are you eligible for a refund of your Pillar 1 contributions?<\/p><p data-start=\"41\" data-end=\"375\">Managing both Swiss pensions and Australian Super effectively requires a strategic approach to optimise contributions and withdrawals while minimising tax liabilities. There are many differences in the tax treatment and withdrawal options between Australia and Switzerland that make knowledge in this area crucial for Australian expats looking to maximise their retirement savings.<\/p><p data-start=\"41\" data-end=\"375\">When it comes to whether or not you should contribute to your Super while not an Australian resident, the standard contribution caps and rules apply universally to residents and non-residents alike, with the exception of certain co-contributions and concessions that may not be available, or applicable, for non-residents.<\/p><p data-start=\"41\" data-end=\"375\">Foreign employment income (i.e. your Swiss income) is not taken into consideration when calculating the tax savings for personal Super contributions. This means that unless you have sufficient Australian sourced assessable (taxable) income, there is no tax incentive to contribute to your Super.<\/p><p data-start=\"41\" data-end=\"375\">We take you through all the information you need to make an informed decision on whether maintaining or pausing Australian Super contributions makes financial sense based on your residency status and investment goals, or whether you should prioritise your Swiss pensions, or perhaps both. Our holistic approach ensures that your retirement strategy remains both tax-efficient and aligned with your future plans.<\/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 <\/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=\"22\" data-end=\"541\">Effective tax planning is essential for Australian expats in Switzerland to preserve and grow wealth efficiently. One of the key opportunities available to Australians while overseas lies in leveraging tax-advantaged investment solutions. These include investments that benefit from tax exemptions or reduced tax rates in Australia, allowing you to retain more of your returns compared to a general brokerage account. Understanding these options and integrating them into your portfolio will significantly enhance tax efficiency.<\/p><p data-start=\"543\" data-end=\"925\">Cross-border tax planning requires a thorough understanding of tax treaties between Australia and Switzerland. By strategically utilising the provisions of these treaties, such as credits for taxes paid abroad, you can minimise the risk of double taxation. This approach ensures that you do not pay more tax than necessary on income and investment gains across both jurisdictions.<\/p><p data-start=\"927\" data-end=\"1282\">Tax-efficient retirement planning is another critical aspect. Balancing contributions to the Swiss and Australian pension systems based on your residency and income status can optimise tax outcomes and enhance your long-term retirement savings.<\/p><p data-start=\"1284\" data-end=\"1646\">There are also more complex structures, such as holding companies or trusts, which can also provide tax planning benefits. Depending on your specific circumstances, these structures may allow you to defer tax liabilities or reduce the tax impact on investment income. Exploring these opportunities with expert advice will enable you to ensure compliance with both Australian and Swiss tax regulations.<\/p><p data-start=\"1648\" data-end=\"1999\" data-is-last-node=\"\" data-is-only-node=\"\">Naturally, as with all financial planning, tax planning is not a &#8216;one and done&#8217; exercise. Keeping pace with changing tax laws in both countries is vital. Adjusting your investment strategy in response to new regulations can help avoid unexpected tax liabilities and maintain the tax efficiency of your portfolio. We work closely with you to optimise your tax position across both Australia and Switzerland, ensuring your investments and retirement savings are structured as efficiently as possible.<\/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 Planning <\/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>Property ownership in Australia can be a valuable long-term investment and is particularly popular with Australian expats. The Australian real estate market has shown consistent growth over the years, making property an appealing asset. For many expats, renting out their Australian property provides a reliable source of income, while also maintaining a home base for future returns or extended stays in Australia.<\/p><p>However, there are several important tax implications to consider when owning property in Australia as a non-resident. One significant factor is the ineligibility for the main residence tax exemption if you sell the property while a non-resident. Additionally, most other capital gains tax discounts are not available to non-residents, and if you were to return to Australia and sell the property later, the capital gains tax discount may only partially apply based on the period you were a resident. Rental income is also fully taxable in Australia without any tax-free threshold and is subject to higher non-resident tax rates.<\/p><p>For those planning a return to Australia now or in the future, consider whether holding onto your property until you become an Australian tax resident would be more suitable as, in doing so, you could minimise unnecessary tax charges.<\/p><p>For those planning to remain overseas or in Switzerland, the approach to property ownership and tax management may differ and require a more considered approach. Should you hold onto your existing property? Should you sell? How long will you stay overseas? Could your funds be more efficiently invested elsewhere?<\/p><p>All these are questions to consider (as well as many more!) to ensure that your property portfolio aligns with your broader investment goals and we are here to help.<\/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\"> 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-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><strong>We have a dedicated webpage for those relocating to Australia: <\/strong><a title=\"Relocating to Australia\" href=\"https:\/\/pattersonmills.ch\/fr\/relocating-to-australia\/\"><strong>cliquez ici<\/strong><\/a><\/p><p data-start=\"48\" data-end=\"415\">One of the first steps when planning to return to Australia is to review your tax residency status. This affects how your global income and capital gains are taxed upon your return. Becoming an Australian tax resident again means you will need to report all worldwide income, so understanding the timing and implications is essential for effective tax planning.<\/p><p data-start=\"417\" data-end=\"749\">Superannuation and Swiss pensions require careful consideration. While Australian superannuation can continue to grow tax-effectively (being taxed internally at 15% on any investment gains each year), Swiss pensions may face Australian tax upon withdrawal or transfer. Planning how to access these funds and integrate them into your retirement strategy is crucial to minimise tax liabilities.<\/p><p data-start=\"751\" data-end=\"1058\">Your investment holdings in Switzerland also need attention. Have you placed these holdings within tax-advantaged (and perhaps tax-free) investment accounts that are only available to you whilst a non-resident of Australia? By integrating these tax-free and tax-advantaged options into your investment plan, you can maximise growth and minimise tax burdens, which can save you hundreds of thousands of dollars over the long term.<\/p><p data-start=\"751\" data-end=\"1058\">With our partners in Sydney, you can also profit from a complete end-to-end solution upon your return. This removes any uncertainty that might come from needing to find a trusted Adviser in Australia. This partnership also remains valuable for our clients who intend to remain long-term, or permanently, in or around Switzerland, as we aim to make any complexities that arise from cross-border financial situations as seamless as possible.<\/p><p data-start=\"1060\" data-end=\"1397\">As specialists in financial planning for Australians in Switzerland,<b> <\/b>we provide expert guidance on choosing and managing your investments, whether that be within tax-free and tax-advantaged accounts\u00a0 or elsewhere. Our tailored strategies help you optimise your investments, minimise tax liabilities, and ensure that your wealth is structured efficiently across both Australian and Swiss systems.<\/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-d2dad2e elementor-hidden-desktop elementor-widget elementor-widget-n-accordion\" data-id=\"d2dad2e\" 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-2210\" 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-2210\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> International Investment Strategies <\/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-2210\" class=\"elementor-element elementor-element-d5c8e23 e-con-full e-flex e-con e-child\" data-id=\"d5c8e23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-761e7ae elementor-widget elementor-widget-text-editor\" data-id=\"761e7ae\" 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=\"45\" data-end=\"417\">Investing as an Australian expat in Switzerland offers unique tax advantages that can significantly enhance your returns. Unlike in Australia, where capital gains are taxed at your marginal income tax rate, retail investors in Switzerland are exempt from tax on investment gains.<\/p><p data-start=\"45\" data-end=\"417\">This difference provides an opportunity to grow your investments more efficiently while benefiting from a stable and diverse market environment. Leveraging these advantages can play a crucial role in maximising your financial planning strategy(ies) as an expat.<\/p><p data-start=\"45\" data-end=\"417\">It can be problematic to take continued advice from any Advisor Firm in Australia, or any previous country of residence in fact, as you will likely lose out on regulatory protections and miss any potentially significant financial opportunities open to you about which your non-Swiss adviser is unaware.<\/p><p data-start=\"739\" data-end=\"1069\">Understanding the regulatory landscape is vital for international investors. Through our private wealth management and investment planning advice service, we only recommend investments that are wholly compliant with regulations in Switzerland and Australia.<\/p><p data-start=\"739\" data-end=\"1069\">This proactive approach minimises risks and prevents unexpected tax liabilities, allowing you to invest with confidence.<\/p><p data-start=\"1071\" data-end=\"1363\">Currency management is another critical aspect of international investing. Fluctuations in AUD and CHF can significantly impact your returns. This means that it is not always beneficial to transfer funds from or to AUD to benefit from higher interest rates.<\/p><p data-start=\"1365\" data-end=\"1630\">We believe that a disciplined investment process is key to achieving long-term success. Our approach combines thorough research, regular portfolio reviews, and adjustments based on market conditions to keep your investments aligned with your financial objectives.<\/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-2211\" 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-2211\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Swiss Pensions &amp; Superannuation <\/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-2211\" class=\"elementor-element elementor-element-ebfe3c9 e-con-full e-flex e-con e-child\" data-id=\"ebfe3c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-05dd5d3 elementor-widget elementor-widget-text-editor\" data-id=\"05dd5d3\" 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\">Navigating both Swiss pensions and Australian Superannuation can be complex and raise many questions for Australian expats: Do you contribute to your Super while not an Australian resident? Are Pillar 2 buy-backs \/ buy-ins a good idea if you are returning to Australia? Are you eligible for a refund of your Pillar 1 contributions?<\/p><p data-start=\"41\" data-end=\"375\">Managing both Swiss pensions and Australian Super effectively requires a strategic approach to optimise contributions and withdrawals while minimising tax liabilities. There are many differences in the tax treatment and withdrawal options between Australia and Switzerland that make knowledge in this area crucial for Australian expats looking to maximise their retirement savings.<\/p><p data-start=\"41\" data-end=\"375\">When it comes to whether or not you should contribute to your Super while not an Australian resident, the standard contribution caps and rules apply universally to residents and non-residents alike, with the exception of certain co-contributions and concessions that may not be available, or applicable, for non-residents.<\/p><p data-start=\"41\" data-end=\"375\">Foreign employment income (i.e. your Swiss income) is not taken into consideration when calculating the tax savings for personal Super contributions. This means that unless you have sufficient Australian sourced assessable (taxable) income, there is no tax incentive to contribute to your Super.<\/p><p data-start=\"41\" data-end=\"375\">We take you through all the information you need to make an informed decision on whether maintaining or pausing Australian Super contributions makes financial sense based on your residency status and investment goals, or whether you should prioritise your Swiss pensions, or perhaps both. Our holistic approach ensures that your retirement strategy remains both tax-efficient and aligned with your future plans.<\/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-2212\" 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-2212\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Tax Planning <\/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-2212\" class=\"elementor-element elementor-element-63ba711 e-con-full e-flex e-con e-child\" data-id=\"63ba711\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e379630 elementor-widget elementor-widget-text-editor\" data-id=\"e379630\" 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=\"22\" data-end=\"541\">Effective tax planning is essential for Australian expats in Switzerland to preserve and grow wealth efficiently. One of the key opportunities available to Australians while overseas lies in leveraging tax-advantaged investment solutions. These include investments that benefit from tax exemptions or reduced tax rates in Australia, allowing you to retain more of your returns compared a general brokerage account. Understanding these options and integrating them into your portfolio will significantly enhance tax efficiency.<\/p><p data-start=\"543\" data-end=\"925\">Cross-border tax planning requires a thorough understanding of tax treaties between Australia and Switzerland. By strategically utilising the provisions of these treaties, such as credits for taxes paid abroad, you can minimise the risk of double taxation. This approach ensures that you do not pay more tax than necessary on income and investment gains across both jurisdictions.<\/p><p data-start=\"927\" data-end=\"1282\">Tax-efficient retirement planning is another critical aspect. Balancing contributions to the Swiss and Australian pension systems based on your residency and income status can optimise tax outcomes and enhance your long-term retirement savings.<\/p><p data-start=\"1284\" data-end=\"1646\">There are also more complex structures, such as holding companies or trusts, which can also provide tax planning benefits. Depending on your specific circumstances, these structures may allow you to defer tax liabilities or reduce the tax impact on investment income. Exploring these opportunities with expert advice will enable you to ensure compliance with both Australian and Swiss tax regulations.<\/p><p data-start=\"1648\" data-end=\"1999\" data-is-last-node=\"\" data-is-only-node=\"\">Naturally, as with all financial planning, tax planning is not a &#8216;one and done&#8217; exercise. Keeping pace with changing tax laws in both countries is vital. Adjusting your investment strategy in response to new regulations can help avoid unexpected tax liabilities and maintain the tax efficiency of your portfolio. We work closely with you to optimise your tax position across both Australia and Switzerland, ensuring your investments and retirement savings are structured as efficiently as possible.<\/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-2213\" 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-2213\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Property Planning <\/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-2213\" class=\"elementor-element elementor-element-4b8d779 e-con-full e-flex e-con e-child\" data-id=\"4b8d779\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cda68ac elementor-widget elementor-widget-text-editor\" data-id=\"cda68ac\" 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>Property ownership in Australia can be a valuable long-term investment and is particularly popular with Australian expats. The Australian real estate market has shown consistent growth over the years, making property an appealing asset. For many expats, renting out their Australian property provides a reliable source of income, while also maintaining a home base for future returns or extended stays in Australia.<\/p><p>However, there are several important tax implications to consider when owning property in Australia as a non-resident. One significant factor is the ineligibility for the main residence tax exemption if you sell the property while a non-resident. Additionally, most other capital gains tax discounts are not available to non-residents, and if you were to return to Australia and sell the property later, the capital gains tax discount may only partially apply based on the period you were a resident. Rental income is also fully taxable in Australia without any tax-free threshold and is subject to higher non-resident tax rates.<\/p><p>For those planning a return to Australia now or in the future, consider whether holding onto your property until you become an Australian tax resident would be more suitable as, in doing so, you could minimise unnecessary tax charges.<\/p><p>For those planning to remain overseas or in Switzerland, the approach to property ownership and tax management may differ and require a more considered approach. Should you hold onto your existing property? Should you sell? How long will you stay overseas? Could your funds be more efficiently invested elsewhere?<\/p><p>All these are questions to consider (as well as many more!) to ensure that your property portfolio aligns with your broader investment goals and we are here to help.<\/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-2214\" 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-2214\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> 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-2214\" class=\"elementor-element elementor-element-b63fde6 e-con-full e-flex e-con e-child\" data-id=\"b63fde6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb0ea4 elementor-widget elementor-widget-text-editor\" data-id=\"5cb0ea4\" 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=\"48\" data-end=\"415\"><strong>We have a dedicated webpage for those relocating to Australia: <\/strong><a title=\"Relocating to Australia\" href=\"https:\/\/pattersonmills.ch\/fr\/relocating-to-australia\/\"><strong>cliquez ici<\/strong><\/a><\/p><p data-start=\"48\" data-end=\"415\">One of the first steps when planning to return to Australia is to review your tax residency status. This affects how your global income and capital gains are taxed upon your return. Becoming an Australian tax resident again means you will need to report all worldwide income, so understanding the timing and implications is essential for effective tax planning.<\/p><p data-start=\"417\" data-end=\"749\">Superannuation and Swiss pensions require careful consideration. While Australian superannuation can continue to grow tax-effectively (being taxed internally at 15% on any investment gains each year), Swiss pensions may face Australian tax upon withdrawal or transfer. Planning how to access these funds and integrate them into your retirement strategy is crucial to minimise tax liabilities.<\/p><p data-start=\"751\" data-end=\"1058\">Your investment holdings in Switzerland also need attention. Have you placed these holdings within tax-advantaged (and perhaps tax-free) investment accounts that are only available to you whilst a non-resident of Australia? By integrating these tax-free and tax-advantaged options into your investment plan, you can maximise growth and minimise tax burdens, which can save you hundreds of thousands of dollars over the long term.<\/p><p data-start=\"751\" data-end=\"1058\">With our partners in Sydney, you can also profit from a complete end-to-end solution upon your return. This removes any uncertainty that might come from needing to find a trusted Adviser in Australia. This partnership also remains valuable for our clients who intend to remain long-term, or permanently, in or around Switzerland, as we aim to make any complexities that arise from cross-border financial situations as seamless as possible.<\/p><p data-start=\"1060\" data-end=\"1397\">As specialists in financial planning for Australians in Switzerland,<b> <\/b>we provide expert guidance on choosing and managing your investments, whether that be within tax-free and tax-advantaged accounts\u00a0 or elsewhere. Our tailored strategies help you optimise your investments, minimise tax liabilities, and ensure that your wealth is structured efficiently across both Australian and Swiss systems.<\/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-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-1e29698 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"1e29698\" 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-fd0c561\" data-id=\"fd0c561\" 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-95d3dee animated-slow elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"95d3dee\" 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\">Gestion de la fortune, retraite et superannuation<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c26aa55 animated-slow elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"c26aa55\" 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>When it comes to retirement, your superannuation may be one of the largest assets outside of your home. Despite this, it is often overlooked or underutilised. It is important that for for every year you are accumulating wealth, you are maximising the potential for tax efficiency. However, it is not always a good idea to contribute to your superannuation fund when an Australian expat in Switzerland. There can be complex legislation to do with your superannuation in Australia, especially whether or not it is necessary to declare this in Switzerland, so it is therefore vital to do all you can to find out how best to make the most of all available opportunities.<\/p><p>Le revenu de retraite peut provenir d'autres sources que votre pension. Une pl\u00e9thore d'autres instruments de placement peuvent contribuer \u00e0 votre s\u00e9curit\u00e9 financi\u00e8re \u00e0 la retraite. Nombre de ces investissements alternatifs sont \u00e9galement fiscalement avantageux. Il est \u00e9galement crucial d'examiner et de surveiller vos fonds de pension existants. Sinon, vous risquez de vous rendre compte que vos fonds sont plac\u00e9s dans d'anciens plans, aupr\u00e8s d'entreprises qui ne sont plus ouvertes aux nouvelles affaires et qui ne sont gu\u00e8re incit\u00e9es \u00e0 offrir les meilleures possibilit\u00e9s de rendement des investissements. Nous veillons \u00e0 ce que votre argent travaille le plus efficacement possible pour vous.<\/p><p>Tout d'abord, nous prenons le temps de comprendre vos investissements existants, votre situation financi\u00e8re et vos objectifs \u00e0 court, moyen et long terme. Nous analysons ensuite les performances de tous vos investissements existants et leur ad\u00e9quation avec vos objectifs, y compris vos param\u00e8tres de risque. Nous pouvons alors vous faire nos recommandations en mati\u00e8re de planification financi\u00e8re et d'investissement.<\/p><p>Toutes nos solutions visent \u00e0 r\u00e9duire vos co\u00fbts, \u00e0 am\u00e9liorer la performance de vos investissements et \u00e0 vous faire b\u00e9n\u00e9ficier de conseils qualifi\u00e9s et r\u00e9glement\u00e9s.<\/p><p><strong>Whether you are already in Switzerland, arriving shortly, or returning home to Australia, <a href=\"https:\/\/pattersonmills.ch\/fr\/contact\/\">contactez-nous<\/a> d\u00e8s aujourd'hui.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-206c98e elementor-align-left elementor-invisible elementor-widget elementor-widget-button\" data-id=\"206c98e\" 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-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>Australian ExpatriatesService If you are living in Switzerland, relocating here, or are planning a return to Australia, ensure your finances are working as efficiently as possible and you are taking advantage of all available opportunities. Australian ExpatriatesService If you are living in Switzerland, relocating here, or are planning a return to Australia, ensure your finances [&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-603","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/603","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=603"}],"version-history":[{"count":713,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/603\/revisions"}],"predecessor-version":[{"id":15808,"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/pages\/603\/revisions\/15808"}],"wp:attachment":[{"href":"https:\/\/pattersonmills.ch\/fr\/wp-json\/wp\/v2\/media?parent=603"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}