Trying to budget when to buy tickets and what kind.

My family is traveling to Zurich, Bern, Zermatt and back to Zurich over twelve days in January. Do I need to by the train tickets before leaving the US or can I just by them one at a time at the station as I need them? Do the trains sell out? Also, if I buy a Swiss Pass, do I need to buy that before leaving the US or can I buy it once I am there. Thanks.
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