Seasonal living
Summer in the Alps, winter in the sun. A split year can lower costs, but where you are tax resident decides a lot.
What it is
Seasonal living splits the year between Switzerland and a cheaper or warmer place. You keep Swiss ties while lowering costs for part of the year.
Who it suits
People who want to stay close to family and the Swiss system, but enjoy long periods elsewhere, and those testing a move before deciding.
The Swiss angle
If Switzerland remains your home, you stay tax resident here and keep Swiss health insurance and AHV. Renting out your Swiss home while away adds income but also tax and rules. Keep both housing costs in your budget.
How to model it
Use a blended monthly budget: for example eight months at Swiss costs and four months at foreign costs. Keep a buffer for travel and double housing. More in retiring abroad from Switzerland and health insurance in early retirement.
Tools for this plan
Terms
Frequently asked questions
Is the 183-day rule enough to decide tax residence?
No. Days count, but so do your home, family and main ties. Countries apply their own rules, and treaties settle conflicts. Get advice before relying on day counts.
Which health insurance applies?
As long as you live in Switzerland, Swiss basic insurance applies and covers emergencies abroad within limits. Long stays may need extra cover.
Related reading
Retire abroad
Retiring abroad from Switzerland: what actually changes
Lower costs are only part of it. What happens to your AHV, pension fund, Pillar 3a, health insurance and taxes when you leave Switzerland to retire.
Tax and insurance
Health insurance without a salary: what early retirees pay
Basic insurance is compulsory and costs the same whether you work or not. How premiums, deductibles and subsidies work for early retirees in Switzerland.