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Plan your retirement

The sooner you start planning for your retirement, the more you can look forward to it. We show you what you need to know.

Plan my retirement

Advice for financial security in retirement

Free initial consultation

Together we’ll plan your pension and withdrawal options – based on your needs and wishes.

Personalized planning

We’ll examine the feasibility of your goals, look at how your situation could be improved, and draw up a plan of action.

Joint implementation

We’ll be glad to assist you up to retirement and beyond, with a constant focus on your situation in life.

What’s important for your retirement

Are you aware of all the options for optimizing your personal retirement situation? It’s worth looking into the following topics at an early stage: pension fund buy-ins, maximizing your 3a contribution, investing your 3a assets, opening multiple 3a accounts or withdrawing your pension gradually.

Some decisions regarding your retirement can only be made once, such as how you withdraw your pension fund assets. Here you have three options: monthly pension, lump sum or a combination of the two. Your decision has far-reaching implications for both you and your relatives.

If you are considering early retirement, your future income will be reduced. To understand the impact on your income and wealth, careful planning is important.

Are you aware of all the options for optimizing your personal retirement situation? It’s worth looking into the following topics at an early stage: pension fund buy-ins, maximizing your 3a contribution, investing your 3a assets, opening multiple 3a accounts or withdrawing your pension gradually.

Some decisions regarding your retirement can only be made once, such as how you withdraw your pension fund assets. Here you have three options: monthly pension, lump sum or a combination of the two. Your decision has far-reaching implications for both you and your relatives.

If you are considering early retirement, your future income will be reduced. To understand the impact on your income and wealth, careful planning is important.

Are you aware of all the options for optimizing your personal retirement situation? It’s worth looking into the following topics at an early stage: pension fund buy-ins, maximizing your 3a contribution, investing your 3a assets, opening multiple 3a accounts or withdrawing your pension gradually.

Some decisions regarding your retirement can only be made once, such as how you withdraw your pension fund assets. Here you have three options: monthly pension, lump sum or a combination of the two. Your decision has far-reaching implications for both you and your relatives.

If you are considering early retirement, your future income will be reduced. To understand the impact on your income and wealth, careful planning is important.

Are you aware of all the options for optimizing your personal retirement situation? It’s worth looking into the following topics at an early stage: pension fund buy-ins, maximizing your 3a contribution, investing your 3a assets, opening multiple 3a accounts or withdrawing your pension gradually.

Some decisions regarding your retirement can only be made once, such as how you withdraw your pension fund assets. Here you have three options: monthly pension, lump sum or a combination of the two. Your decision has far-reaching implications for both you and your relatives.

If you are considering early retirement, your future income will be reduced. To understand the impact on your income and wealth, careful planning is important.

Are you aware of all the options for optimizing your personal retirement situation? It’s worth looking into the following topics at an early stage: pension fund buy-ins, maximizing your 3a contribution, investing your 3a assets, opening multiple 3a accounts or withdrawing your pension gradually.

Some decisions regarding your retirement can only be made once, such as how you withdraw your pension fund assets. Here you have three options: monthly pension, lump sum or a combination of the two. Your decision has far-reaching implications for both you and your relatives.

If you are considering early retirement, your future income will be reduced. To understand the impact on your income and wealth, careful planning is important.

Retirement planning in three consultations

Plan your retirement with our pension experts at your side.

No-obligation initial consultation on your financial situation, wishes and goals.
Get your retirement on track and create a comprehensive financial plan.
Implementation of your individual pension strategy and regular check-ins.

Plan my retirement

Retirement calculator for the initial steps

Discover quickly and easily how your retirement situation could be improved, so you get an initial idea. For individual advice and retirement planning, we will be happy to support you personally.

FAQ – more on retirement planning

How much money will I have after I retire?

First, get an overview of your expenses after retirement. Bear in mind that these may go up in some areas – such as for health, leisure and home ownership.

Your anticipated pension is comprised of benefits from the AHV and your pension fund. You can find the amount of the AHV benefit in the AHV benefit projection, which you can order from your compensation office. The amount of your pension fund balance is listed in the pension fund statement.

If your base income is not high enough, you should check what additional assets you have. These include real estate, securities, life insurance policies and savings in pillar 3a.

Pension or lump sum withdrawal – why one or the other?

A rule of thumb: your cost of living should be covered by the benefits from AHV and the pension fund. Whatever is over and above that can be drawn as capital. Keep the following in mind:

A pension provides you with a secure monthly income for the rest of your life. And in the event of death, your spouse gets a guaranteed survivor's pension. In general, this amounts to 60 percent of the original pension.

If you opt for a lump-sum withdrawal, you enjoy greater flexibility. You’re free to invest the money as you please, but also bear the risk of fluctuations in your income. And when you die, your heirs will inherit the unused balance – which is not the case with a pension.

When is it worth buying into the pension fund?

Buying into the pension fund is particularly worthwhile in the years just before retirement. This is because the tax-savings effect of buying into a pension fund is greatest when income is at its highest. For many employed persons, this is the case in the years right before retirement.

The longer the purchased amount stays in the pension fund, the smaller the return. You may deduct a purchase in the pension fund from your taxable income.

In principle, a purchase in the pension fund is only allowed if there is a pension gap. You can find out from your pension certificate whether you have the option of making a voluntary purchase.

What should you be aware of when taking early retirement?

Early retirement is always associated with financial drawbacks.

If you draw your AHV retirement benefits in advance, you’ll face reductions for the entire benefit duration. For each year you retire early, that’s 6.8%. At the same time, you're obliged to contribute to AHV until you reach retirement age.

There are also financial penalties in pillar 2. People who retire early have built up substantially less capital and the return from interest and compound interest is lower. Additionally, the conversion rate for early retirement is lower than for ordinary retirement.

This makes it all the more important to take advantage of tax-deductible pension options.

What are the changes in home financing after age 50?

After age 50, there are a few things you should keep in mind when financing a home.

After age 50, you can no longer lay a claim to all of your pension fund assets.
You may only pledge or advance the higher of the following amounts: the vested benefits to which you would have been entitled at the age of 50, or half of your current retirement assets.
The advance withdrawal must generally be made no later than three years before you are entitled to receive retirement benefits.

You should also check the affordability of your home after retirement. Income after retirement is often lower. A rule of thumb: monthly housing costs should not exceed more than a third of income.

Other helpful articles about retirement

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