• Marries a Swiss citizen; Nix that - I didn’t know anyone to have a date with, much less marry.
• Already has a work contract in Switzerland; Nix that - getting a job would defeat the purpose of being retired.
• Is over age 55 with independent means; Nix that - I was not yet even fifty years old.

As I discovered, no government official would admit how much money one had to have to be considered ‘of independent means’.  Nonetheless, I quickly got the message that unless one was super rich they need not apply. So, nix that idea, too.

Then to make the possibility of successfully getting a Residency Permit even slimmer, recent bi-lateral legislation was enacted to favor EU citizens over the rest of the world.  Americans slipped further down in the stack. It was starting to look hopeless.

Why Continue to Try to Live in a Country That Did Not Seem to Want Me? 

The answer is because Switzerland is simply gorgeous.  The majestic snow-covered Alps can be seen from almost everywhere in the country.  The many scenic lakes are crystal clear.  The little chalets perched on impossibly steep slopes look exactly like a music box I coveted as a child.  Even the milk-chocolate colored cows grazing contentedly in the meadows are picturesque. The whole country is a living postcard and I wanted to be in it. 

Furthermore, Switzerland is a healthy place to live.  Only scant amounts of chemicals or engineering are allowed in the food sources, if at all, and there is no pollution.  Health care is of the highest quality and remarkably caring on a personal level.  There are no HMO’s - only private physicians.  Health insurance in mandatory for everyone; but it is private instead of nationalized, although it is heavily regulated to be affordable. My monthly premium costs about $200 per month for coverage of health care, including medical prescriptions.  Unbelievably, spending a couple weeks at a spa would also be covered.

Another reason I was not willing to give up trying was that one of my great passions in life is travel.  Being located in the middle of Western Europe is absolutely ideal for travel to far-flung places like South Africa, China or Russia.   The fascinating Eastern European countries that have not yet become over-touristed are only short flights away.  Closer to home, Austria, France, Germany, Liechtenstein and Italy are merely day trips.  Without sounding pretentious, I can say things like, “Shall we pop down to Italy for lunch?” or  “I am out of hand crème, I think I’ll dash over to that little shop in France to pick some up.”

Add to all this that Switzerland is extremely safe, clean, friendly, and English is accepted.  The public transportation is relatively inexpensive, reliable to the minute, and covers the entire country.  One does not need to own a car in Switzerland.  In a nutshell, Switzerland functions as well as an expensive Swiss timepiece and has perhaps the best infrastructure and quality of life in the world.  And not just for the rich but for basically everyone.

After exhausting all other possibilities for obtaining a Residence Permit, I finally ended up founding a small consulting company.  Founding a company proved to be relatively easy to accomplish, not terribly expensive and had some interesting tax benefits.  However, the company has to be a legitimate business, pay taxes and such, so this solution would not work for most people. 

Although, finding employment in Switzerland is possible, and in particular for specialists.  Naturally it would improve a person’s chances if they spoke German or French.  But I do occasionally see advertisements seeking English speaking employees at Nestle, for example. 

Even if you don’t live in Switzerland, an interesting possibility is to visit Switzerland for three months as a tourist.  No visa must be obtained for citizens of most countries; it is the entrance date into Switzerland that is proof.  There are lots of fully furnished apartments available for short-term rentals at reasonable prices that would cost only a tiny fraction of what a hotel would charge.  Many Swiss take really long vacations every now and then, up to a year sometimes, and they like to rent out their apartments while they are gone. You can make arrangement though an agency or by getting in contact with the ex-pat community to learn about private sub-leases.

The Swiss Cost of Living

Once I had the authorization to live in Switzerland, what remained to be seen was whether it would be possible to live in such a wealthy country on a modest pension? 

What I discovered was that living in Switzerland is actually quite affordable.  To begin with, social and income taxes are less than in the USA, for example, and significantly less than other EU countries.  Sales taxes are the lowest by a wide margin in Western Europe.

Most people in Swiss cities live in apartments their whole lives, and rents are on the high side.  I pay CHF 2100 for a two bedroom, bath-and-a-half apartment with a parking space in the garage.  On the other hand, utilities are cheap.  Restaurants and groceries seem shockingly expensive at first, but one adjusts by eliminating waste.  Instead of driving to a grocery store every week and loading up the car trunk and back seat with purchases, I walk to the store a couple blocks away with my rolling cart. 

When you carry home what you buy, you buy a lot less. Now that I am shopping for fresh groceries two or three times a week, I never throw food out anymore.  Food doesn’t have time to sit around in the refrigerator long enough to become boring or out-of-date. 

Even though the cost of living is high in Switzerland, I simply do not spend as much as I would if I lived in the USA.  Not having access to so many consumer goods on such a wide scale basis does have its merits.  There is less temptation. 

In Switzerland we are not harangued with endless marketing schemes.  The Swiss do not tolerate bothersome unsolicited telephone calls, so companies know better than to make them.  We can refuse to receive junk mail and the refusal is respected.  The TV stations have only a couple commercials once an hour or so.  And the long distance companies don’t offer chances to win a car and when you fill out the form, you have unwittingly changed carriers.  It is refreshing to live in an environment where people are not bombarded with suggestions to consume more. 

The way I ended up living and retiring in Europe is not a road map for anyone else to follow.  It is just one woman’s story.  I am the first to admit that I was lucky to be in the right place at the right time. But my situation does show that it is possible to live quite comfortably on a small fixed income in a wealthy country. True, for people who are not millionaires it may be harder to get residency than in poor countries, but with creativity, research and perseverance it is possible.  For example, I heard recently that anyone who could prove they had German ancestors could get a five-year residency permit. 

Certainly, there are lots of cheaper places to live, but one does not have to live in an impoverished third world country in order to live well.  When one considers the freedom to be safe and secure, and the quality of life, my money is on Switzerland. 

Useful Sources:

Living and Working in Switzerland, by David Hampshire

http://www.xpatxchange.ch  one source for short-term furnished apartments

http://www.isyours.com/e/immigration/programs/study/index.html  Provides immigration service for the rich and famous, but also has useful information for the rest of us.

http://www.switzerlandtourism.ch Official tourist information

If you would like to contact Bonnie Burns write the following: bonnieglobal@yahoo.com