Plan your retirement

So that you can enjoy a worry-free retirement.

Retirement planning is about understanding your needs and goals in retirement and working out how much money you’ll need to achieve them. You should start thinking about your retirement by the age of 50 at the latest and lay the groundwork so that you do not miss any important decisions.

What matters when planning your pension

Your pension is comprised of benefits from the AHV and your pension fund. After retirement, your income is likely to drop more sharply than your costs of living. It is thus worth comparing your current spending habits with your anticipated income in retirement.

It depends very much on your circumstances, as well as your income and assets. You should also take into account your personal goals and your health.
A pension provides you with a secure monthly income for the rest of your life. A lump-sum payment gives you more room for maneuver when it comes to your personal financial planning. You're free to invest the money as you please, but at the risk of varying returns.

Further information can be found on the page Pension or lump sum.

More time for family, traveling or to fulfill a long-held ambition. Many people want to retire early, but it’s a step that needs careful planning.

From a financial point of view, there are several aspects that need to be considered. For example, did you know that you pay the highest retirement fund contributions in the last 10 years of your working life? Or that for every year you make early withdrawals from AHV, your annual pension is reduced by 6.8%? Then there are also the AHV contributions that you will continue to pay until you reach official retirement age. These and similar factors must be taken into account when considering early retirement.

Gradually reducing your working hours is worth considering. Perhaps you can start by working part-time? This would allow you more time for family and private projects. Another advantage is that it mitigates the financial drawbacks of drawing on your pension fund savings early. Depending on your situation, you may also be able to benefit from interesting tax-saving options.

The main points at a glance

In brief: everything you need to know about early retirement. Receive our free publication by email.

Three steps to your worry-free retirement

The goal of our retirement advice is to ensure that you can enjoy a worry-free retirement. Our pension specialists examine your situation and help you to plan your retirement strategy and implement a concrete plan of action.

Understanding your requirements

Our first meeting is about listening carefully to you. We want to understand your personal and financial goals for the future.

Analyzing your financial situation

Next we analyze how your income, assets and tax situation will change over time and how this will impact your goals.

Drawing up a retirement strategy

Based on this knowledge, we sit down together and draw up a tailored retirement strategy and a concrete plan of action.

Can we help you on your journey?

  • Experienced pension specialists
  • Personal advice
  • Retirement strategies tailored to your individual needs

Our specialists are here for you – we look forward to hearing from you.

Individual investment concept

Our investment concept Wealth Way links your current situation with your short- and long-term life goals.

Because a personal conversation is worth a lot

What can we do for you? We’re happy to address your concerns directly. You can contact us in the following ways: