
Why is withdrawing pillar 2a not allowed for starting a business?
Currently, you can only withdraw Pillar 2a funds after starting a business and obtaining self-employed status, which requires having at least 3 paying clients who have already paid for and received your services.
If you need that capital upfront to buy tools or equipment just to get your first client, you're out of luck. But if you happen to be in the 0.1% who doesn't need the money to start, you are allowed to withdraw it once you no longer actually need it.
It sounds completely backwards and feels like a deliberate anti-business measure.
It’s similar to how banks only lend you money when you can prove you don't actually need it. It also reminds me of how investors and institutions have reclassified the word startup to mean an already operational business with paying clients that needs no money to survive, but where outside funding can just make the founders richer and de-risked. It seems designed to portray Switzerland as startup-friendly when that's far from the truth. The funds supposedly allocated for startups aren't actually going to what the general public considers a startup, resulting in a massive misallocation of capital.
So, what did people do? Instead of calling out this nonsense, they invented the term seed stage. And what does seed stage mean now? The exact same thing: a functioning business that doesn't actually need money to start.
And now we have pre-seed stage... which is also being redefined as "100% sure to work."
Here's a list of websites with contradictory information, everyone using the definition of start as in "the person decided to start" and not "been running for months already" :
Mobiliar (insurer): calls BVG start-up capital for self-employment, https://www.mobiliar.ch/ratgeber/vorsorgegelder-fuer-eigene-firma-nutzen
STARTUPS.CH: pension fund withdrawal is the only way to finance the start, https://blog.startups.ch/firmengrundung-mit-startkapital-aus-der-pensionskasse-pensionskassenbezug/
STARTUPS.CH: PK early withdrawal basically serves as start-up capital, https://blog.startups.ch/voraussetzungen-bezug-pensionskasse/
Raiffeisen (bank): withdraw pension assets as start-up capital, https://www.raiffeisen.ch/rch/de/wissen/vorsorgen/erster-grosser-lohn/selbststaendigkeit.html
Nexova (advisory): early withdrawal to invest in a business, https://www.nexova.ch/en/accounting/pension-fund-sole-proprietors-self-employed/
Fidulex (fiduciary): law allows people to remove capital — framed as business financing, https://fidulex.ch/en/lpp-withdrawal-to-start-a-freelance-business/
Fidulex: withdraw your 2nd pillar pension to invest in your business, https://fidulex.ch/en/2nd-pillar-in-switzerland-how-it-works/
Finpension: government promotes the start of a self-employed business, https://finpension.ch/en/knowledge/pension-fund-payout/
Startwerk: BVG als Startkapital — framed as start-up financing, https://www.startwerk.ch/2013/02/18/bvg-als-startkapital-vorsorgegelder-fuer-selbstaendigkeit-einsetzen/
FBK Conseils: says funds can be used freely — but frames withdrawal as for business, https://fbk-conseils.ch/en/2nd-pillar-withdrawal-for-self-employed/
Fasoon (startup advisory): withdrawal for self-employment framed as business funding, https://fasoon.ch/bezug-der-beruflichen-vorsorge-pensionskassenvorbezug/
PayrollPlus: Säule 3a described as for start in die Selbständigkeit, https://payrollplus.ch/ratgeber/pensionskasse-vorsorge-fuer-selbststaendige-schweiz/
FinanzMonitor: user Q&A framing PK money as needed to buy the business, https://www.finanzmonitor.com/2-saule/selbstaendig-pensionskasse/
Yet they are all wrong, because you can't really use it to finance the start of a business, if we define "start" as "before paying customers" and not "been started 3 months ago, and has already paying customers, and everything seems fine."
Therefore, what the populace thinks is going on, and what the lawmakers sneakily put in the law is contradictory. And possibly malignant.