The news article and my comments are about purchasing housing. And we have permanent residence and are able to use our pensions but chose not to, other than pi

The news article and my comments are about purchasing housing. And we have permanent residence and are able to use our pensions but chose not to, other than pillar 3 which one does to get a tax advantage. Most people only use pillar 3 since the bank discourages using pillar 2. (basically, you funnel money through pillar 3 to the bank and get the tax break) Saving taxes in Switzerland doesn't help us much though since we have to pay the difference to the u.s. I think you may want to take a deep breath and go outside for awhile.