Plan your retirement with the pension experts at UBS

Free initial consultation

We plan your pension based on your wishes and needs and show you how we can support you.

Individual planning

We’ll examine the feasibility of your goals, discuss 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.

È il tramonto, una donna siede a un tavolo di legno all’aperto e legge informazioni sul pensionamento anticipato con sul suo laptop.

Does planning for retirement sound complicated? It doesn’t have to be. In this webcast, you’ll get a simple and straightforward introduction to the Swiss pension system, along with practical tips. There’s no better time than now to take stock of your own situation and get started. Perfect for anyone who’s been putting it off.

Is pension planning more important when you have a family? How can you best protect your loved ones? Is marriage sufficient as a form of pension provision? In this webcast, we explain the key aspects to consider for ensuring your family’s financial security.

Whether you’ve recently moved to Switzerland or haven’t yet taken a closer look at your pension planning, the Swiss pension system can be complex. In this webcast, you’ll learn how the three‑pillar system works, how pension fund buy‑ins and pillar 3a can help you save taxes, and how to close potential pension gaps.

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Date19 May 2026, 02:00 CDT

Pension or lump sum?

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.

Early retirement

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.

The consultations allow us to produce a detailed financial plan containing a concrete plan of action. This plan shows you which measures need to be taken and when in order to achieve your goals and dreams. We also regularly review the implemented solutions and adapt them to personal or legal changes.

The picture shows an example: detailed financial plan, which contains, among other things, a concrete action plan.

How much money will I have after retirement?

First, get an overview of your expenses after retirement. Remember that some of these could increase, e.g., health, leisure, home repair/maintenance costs.

Your expected pension is made up of your AHV and pension fund pension. You can find the AHV pension in your AHV pension forecast, which you can order from your compensation office. As an alternative to an old-age pension, pension fund assets can also be withdrawn as a lump sum or as a mix of both lump sum and annuity. The amount of your assets is listed in your pension fund statement.

If the basic income is not enough, you should check what additional assets you have. These include real estate, securities, life insurance and assets held in pillar 3a.

How does the financing of residential property change after the age of 50?

Pension fund assets can be used to finance owner-occupied residential property. If you are under 50 years old, you can use the entire balance. From the age of 50, there are a few things to consider when financing residential property.

After you turn 50, you are no longer allowed to draw on your entire pension fund assets for financing.
You may only pledge or withdraw 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 pension fund assets.
In principle, the early withdrawal must be made no later than three years before you are entitled to retirement benefits.

Also check the affordability of your home after retirement. Income is often lower in old age. A rule of thumb: your monthly housing costs should not exceed one third of your income.

In contrast to pillar 2, all of your pillar 3a assets can be used to finance residential property at any time. From five years before reaching the reference age, partial withdrawals are no longer possible.

Pension or lump sum – what are the benefits of each?

A rule of thumb: your living costs should be covered by your pension from the AHV and pension fund. Whatever additional savings you have can be withdrawn as capital. Take into account the following:

a pension provides you with a secure monthly income for the rest of your life. And if you die, your spouse will receive a guaranteed lifelong survivor’s pension. As a rule, this is 60 percent of the original pension.

If you opt for a lump-sum withdrawal, you enjoy more flexibility. You can invest your money freely, but you also bear a certain risk in the event of fluctuations in earnings. And if you die, your unused assets go entirely to your heirs – which is not the case with a pension.

When is a pension fund buy-in worthwhile?

A pension fund buy-in is particularly worthwhile in the years leading up to retirement. This is because the tax-savings effect of a buy-in is greatest when income is at its highest. For many employed persons, this is the case in the years immediately before retirement. But consider the following: if you withdraw capital again within three years of making the deposit, you must repay the taxes you saved. In addition, the buy-in amount cannot be withdrawn as a lump sum for three years.

The longer the buy-in amount remains in a pension fund, the smaller the return. You can deduct the buy-in from your taxable income.

Because the tax savings, which make up a significant part of the return, do not change even with a longer investment period, the return is reduced in percentage terms.

In general, the following applies: A pension fund buy-in is only possible in the event of a pension gap. You can find out whether you have the option to make a voluntary buy-in from your pension certificate.

What should you consider before taking early retirement?

Early retirement is always associated with financial drawbacks.

If you withdraw your AHV retirement pension early, you will have to accept lower payments for the entire period of entitlement. This reduction is equivalent to 6.8% for every year that you retire early. At the same time, you will remain liable to pay AHV contributions until you reach normal retirement age. Special regulations apply to women born between 1961 and 1969. In particular, reduced reduction rates apply to this age group.

There are also drawbacks in pillar 2. Early retirees have built up significantly less retirement capital and the income from interest and compound interest is lower. In addition, the conversion rate is lower in the case of early retirement than for ordinary retirement. As a rule of thumb, your old-age pension is reduced by 7 to 8% for each year that you withdraw early.

This makes it all the more important to make the most of tax-privileged pension offers. One way is to make the most of the options regarding contributions into pillar 3a, for example by paying in the maximum each year.

Retirement calculator Will I have enough money when I retire?

The principle is simple. If pillars 1 and 2 are not enough to maintain your desired standard of living in retirement, you’ll need to save more. Find out how much today.

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Wealth Planning Align your financial goals with your life

Is your wealth structured sensibly? What about your income, expenses, and obligations? Is there scope for tax optimization? Count on us to help you realize your financial goals.

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