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Step 1: What Will My Financial Situation Look Like after Retirement?
Do you want to know how much financial freedom you will have when you retire? We will help you get an overview of your financial options.
An Asset Overview Shows You the Bigger Picture
Compile a simple overview of your assets. The key to this lies in assessing your current assets, and - with a view to retirement - your predicted assets. The checklist below will help you to compile a list of your assets:
- Bank deposits
- Securities
- Holdings
- Personal retirement assets (Pillar 3)
- Any lump-sum withdrawals from the pension fund
- Any vested benefits
- Real estate (less mortgages)
- Inheritance claims
- Other assets (tangible fixed assets, art, collections, etc.)
How Your Future Pension Is Made Up
AHV/AVS pension: Your AHV/AVS pension is determined by the eligible contribution years, your earned income and any credits for time spent raising children or caring for relatives. Anyone who has paid AHV/AVS contributions between the age of 21 and the normal retirement age with no interruptions will receive a full pension. The maximum annual AHV/AVS pension is CHF 27'840.--. In the case of married couples, each couple receives two AHV/AVS single pensions, which together amount to a maximum of CHF 41'760.-- each year.
Pillar 2 pension:Your Pillar 2 pension depends on your retirement assets at the time of retirement as well as the conversion rate. This can vary depending on the pension fund. In addition to the annuity option, you also have the chance of receiving a single lump-sum payment of at least one-quarter of your accrued retirement assets.
Annuity insurance:The life annuity of an annuity insurance policy under Pillar 3 is calculated either on the basis of the retirement assets accrued through regular or irregular premiums, or the retirement assets financed by a single premium.
Sample Calculation Future Pension
With the help of our Pension Calculator for Regular Retirement or our Pension Calculator for Early Retirement you can get an initial impression of your personal pension situation. Our pension advisors will be happy to help you plan for your retirement. Why not get in touch
with us?
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