Retirement planning
AHV and the pension fund cover around 60 per cent of gross income. We work out the rest with you.
Why this matters
The decisions around retirement are among the biggest financial junctions of all – and many of them are irreversible. If you draw your pension fund capital, for example, you cannot later convert it back into a pension. A typical example: shortly before retirement, the fund demands the decision between pension and lump sum within a registration deadline, and anyone who has never done the sums decides under time pressure, on gut feeling. Missing planning only shows years later – when the money runs tighter than it needed to.
From fifty at the latest, a close look at your own pension provision pays off – especially for homeowners whose mortgage must remain affordable on a pension income, and for couples where the partner’s protection needs to be arranged. The Swiss framework offers room for manoeuvre: the AHV pension can be drawn early or deferred, pension fund purchases are deductible from taxable income, and lump-sum withdrawals are taxed separately at a reduced rate. But these levers only develop their effect if you use them over several years. That is exactly why good retirement planning begins long before your last working day.
What you get out of it
You know today what you'll live on from retirement — in black and white.
Pension or lump sum: the most important financial decision of your life, well prepared.
Early retirement calculated through in detail instead of just dreamt about.
What we take care of for you
- An overall calculation covering AHV, pension fund, pillar 3a and assets
- Scenarios for ordinary and early retirement
- Buy-in and withdrawal strategy with tax optimisation
- Support with forms and deadlines right up to retirement
The advice is free for you — we are remunerated by the insurance companies through brokerage commissions and will disclose these on request.
Tips from our consultations
What we tell our clients time and again – free of charge, even before the first meeting.
The most effective levers – staggered pension purchases, spread-out withdrawals, amortising the mortgage – need several tax years to take effect. If you only start doing the sums shortly before retirement, the best opportunities have already passed.
Pension fund purchases are better spread over several years rather than paid in all at once – that way you break the tax progression several times. Important: after a purchase, a three-year blocking period applies to lump-sum withdrawals. Plan the last purchase early enough.
Order a free statement of your individual AHV account. Missing contribution years – from time spent abroad or studying, for example – reduce your pension for the rest of your life. Some gaps can still be closed by back payment within five years.
The decision does not have to be black and white: many pension funds allow you to draw part as a pension and part as a lump sum. The pension secures your fixed costs for life; the capital stays flexible and passes to your heirs on death. Which mix suits you depends on health, family and your tax situation.
