UBS Financial Advisory - Retirement
The retirement phase: making decisions
When is the best time to retire?
Before making any decision you will need to analyse and plan your financial position post-retirement. Your UBS client advisor will be happy to help you with this most important aspect of retirement.
Regular payments or lump sum?
In addition to the financial aspects, it is essential to consider personal and family needs. This requires a careful assessment of the advantages and disadvantages of the different options for pension withdrawal.
When should I withdraw my retirement capital (Pillar 3a, pension scheme and vested benefits)?
Retirement capital is taxed separately from your other income at a reduced rate on payout.
Your UBS client advisor will be happy to show you the tax savings that can be achieved by having your retirement capital paid out in stages.
Do I need to adjust my investment strategy?
Your investment strategy should be reviewed in terms of your risk capacity post-retirement, and adjusted if necessary.
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