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?
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