Freizuegigkeitskonto [vested benefit account]

[hedgehog]

@radek

Disadvantage: if I come back to Switzerland I will be (?) required to pay the money back to the pension fund.

No

@radek

Open a vested account that allows some sort of freedom to invest funds

Pretty much all swiss pension products are by far uncompetitive with low cost index funds and ETFs from the free stock market in terms of costs. You’ll be just enriching the swiss banksters.