I'm an American citizen living in Switzerland, which may complicate things... I've got a B-permit, and a two-year work contract -- if possible, I would stay a couple years longer. My employer withdraws my income tax directly, and (I believe) contributes to my Pillar 2 pension. I'm thinking about investing in a 3rd Pillar pension. However, I'm not clear about how I can access the funds once I move back to the United States.