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Step 2: How Can I Protect My Partner, My Family or Myself?
Set pension goals for yourself and your family. We will help you develop a suitable pension plan.
Set Your Pension Goals
You want to enjoy life, without worrying about things going wrong. You should ask yourself the following questions:
- How high are your living expenses if you lose your income due to disability as a result of illness or accident?
- Are your partner and children adequately covered in the event of your death?
- Can you maintain your desired standard of living in old age?
- Do you wish to buy residential property in the future?
- Do you wish to become self-employed?
- Are you making optimum use of the potential tax savings related to pensions?
The Right Solution for Every Pension Goal
Pension gaps occur if your current pension solution does not guarantee that you will achieve your pension goals.
Options to Cover Pension Requirements:
- Pillar 3 - private pension
- Purchasing additional benefits under the occupational benefits insurance plan (pension fund)
- Purchasing any missing AHV/AVS service years
- Saving with a flexible pension plan (3b)
- Professional investment strategy for private assets
Options to Cover Insurance Requirements:
- Private or supplementary insurance against accident, illness and disability
- Extra-mandatory risk insurance in occupational benefits insurance
- Life insurance
Example: Pension for young families
You are 30 years old, got married last summer and are now expecting your first child.In addition to your state and occupational pension benefit, you wish to arrange the most comprehensive coverage possible in the event of disability or death. You want to optimize the pension provision that you and your partner had already built up before your marriage, and adapt it to your new family circumstances. |
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Possible solution:After reviewing your pension situation, you discover that you are adequately covered against the consequences of an accident, but not in the case of illness You supplement your existing coverage with a suitable insurance policy. To optimize beneficiary arrangements for inheritance purposes, you conclude a marriage and inheritance contract with your spouse, which names both of you and your child a s beneficiares in the event of death, to the extent permitted by law. You invest the mother-to-be's vested benefits capital in a way that will be profitable and also open two Pillar 3 pension accounts. You opt for savings accounts, because you want to use this capital to purchase residential property in the foreseeable future and therefore wish to rule out any fluctuations in value. |
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Click here for additional pension situations PDF (103KB) and potential solutions.
Do you want to ensure your pension situation matches your personal pension goals? Our pension advisors will be pleased to conduct a comprehensive pension analysis .
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