How Anita and Peter Wenger start saving for retirement.

Anita and Peter Wenger are 27 and 28 years old, and newly married. They’re both keen to learn what the future has in store for them. One thing is certain: they'd like to start a family before too long and realize their dream of owning their own home. Both are working and they bring in a joint net income of CHF 120,000. They budget to spend around CHF 100,000.

It's mainly because of their plans for a family that Anita and Peter Wenger want to make sure they have a sound financial future. They decide to meet up with their client advisor at UBS. During the discussion what they want to know is: How can we build our retirement savings in a targeted way? And when should we start doing this?

Reserves and liquid funds

The Wengers and their client advisor work out how best to structure their CHF 50,000 in assets. A consumption reserve of CHF 30,000, about three months' income, seems about right. They'd also like to keep CHF 10,000 as a contingency reserve and invest the remaining CHF 10,000.


Reserves and liquid funds for savings and retirement provision

Reserves and liquid funds for savings and retirement provision

Source: UBS

How much the young couple can save in a year

The Wengers have a joint net income of CHF 120,000. They've budgeted to spend CHF 100,000. That means they can save CHF 20,000 a year.


Annual potential savings

Annual potential savings

Source: UBS