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Step 1: What Does My Personal Pension Situation Look Like?
Changes inevitably have an impact on your pension. Therefore, review your pension situation regularly to ensure that you have optimum coverage.
Planning Ahead for All of Life's Eventualities
Pension provision means more than saving for retirement. It is also possible to cover yourself against risks and unforeseen circumstances. Here are some examples:
- Interruption of gainful employment due to unemployment or a stay abroad
- A serious illness that may result in incapacity for work
- Disability on the part of your partner
- Relocation to a domicile abroad
- Attainment of retirement age
- Death of your spouse or partner
The Swiss legal system provides for protection against such risks on a compulsory and voluntary basis.
The Swiss Pension System
Our pension system is based on three pillars. Ideally, these pillars complement each other to provide a comprehensive pension solution that meets your personal needs.
Click here to find out more about the Three-Pillar System.
How to Assess Your Pension Situation
- Account statement from the AHV/AVS compensation fund
- Employment contract
- Statement from your vested benefits account, vested benefits safekeeping account or vested benefits policy
- Pillar 3 account and safekeeping account statements
- Pension fund regulations
- Current annual pension fund benefits statement
- Accident/health/life insurance/daily benefits and occupational disability insurance policies
- Disposable assets (savings, securities)
With the help of these documents and our Pension Calculator for Regular Retirement or our Pension Calculator for Early Retirement you can get an initial impression of your personal pension situation.
Set Your Pension Goals
- Safeguarding living expenses if you lose your income as a result of illness or accident
- Ensuring adequate coverage for your partner in the event of your death
- Safeguarding your desired standard of living in old age
- Purchasing residential property
- Becoming self-employed
- Making optimum use of potential tax savings from pensions
By setting yourself pension goals, you create a good basis for optimizing your pension. Our pension advisors will be pleased to conduct a comprehensive pension analysis. Contact us to arrange a non-binding consultation .
Step 2: Where Do My Family, My Partner and I Have Pension Gaps?
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Advice and Contact
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