A once-in-a-lifetime decision with major implications

Pension or lump sum or both – lay the foundation for the optimal choice

Your pension fund assets form the second pillar of your income after you retire.

You have three withdrawal possibilities:

  • as a monthly pension
  • as a lump-sum payment
  • as a combination of both

Which option you choose can have far-reaching consequences for you and your family members. There is no one-size-fits-all answer. Carefully weigh the individual advantages and disadvantages. For example, consider the following factors:

Your family situation, state of health, financial circumstances, mortgages, taxes and the pension fund's contractual provisions.

Our retirement experts will support you in the decision-making process, and show you the steps you need to take.

Did you know that…

  • …as a rule of thumb, living costs and basic needs should be covered by benefits?
  • …pension fund benefits that stem from compulsory and non-compulsory plans are subject to different conversion rates?
  • …financial hedging is also important for pensions; as a rule, in the case of death, the surviving spouse is only paid 60% of the pension fund benefit as a survivor's pension.
  • …on withdrawal, pension fund capital is taxed at a reduced rate?
  • …many pension fund registration deadlines allow for up to three years for the lump-sum payment to be made?
  • …there's no inflation protection for pensions because they are not indexed to cost-of-living increases?

Would you like to optimize your pension assets?

How to cleverly plan and invest your pension assets over the long term.

Are you thinking about early retirement?

Plan early for the best financial results.

In keeping with the topic

“How to rationally plan the ‘dissaving’ process,” NZZ series on pension planning, 2017

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