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Moving to Switzerland comes with a fairly substantial to-do list. Find somewhere to live. Sort out your permit. Choose health insurance. Open a bank account. Work out where to buy groceries on a Sunday when everything appears to be closed. Understanding your pension probably isn't at the top of that list. And then life happens. You change jobs, take time out to raise a family, start working for yourself or return to work after a career break. Somewhere along the way, understa