Switzerland Retirement
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Purchasing pension benefits: fill gaps and save taxes
Voluntarily purchasing pension benefits is ideal for saving taxes. Manuela Meier-Gloor, a financial planner from Zug, explains what you should consider.
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Lump sum or annuity? The right strategy for withdrawing pension fund assets
Pension fund assets often represent the largest part of a person's assets at the end of their working life. It is therefore important to consider whether to withdraw them at retirement as a lump sum or in the form of a pension. We look at the importance of the conversion rate and region.
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Payout of pension fund assets. When and how is early withdrawal possible?
Under certain circumstances, the money you have saved in your pension fund can be withdrawn early. Which requirements apply, and how should you go about requesting a withdrawal?
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Planning Retirement: The Eight Most Important Terms
Whether it's early pension withdrawal or pension deferral, early retirement or partial retirement, pension gap or coordination deduction: If you familiarize yourself with the most important terms for retirement, you'll be better prepared for it – even financially.
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Moving House after Retirement – Things to Consider
The kids have moved out, the family home has become too big. Upon retirement, many couples wish to move into a smaller home better suited to their advancing years. Prospective retirees should carefully inform themselves about the financial consequences they may experience when moving to another canton.
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Online Calculator: How Is My Lump-Sum Withdrawal Taxed?
Lump-sum withdrawals are subject to tax – a factor that needs to be considered when planning your retirement. Our Online Calculator tells you how much in an instant.
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Budget Planning for Retirement: A Checklist Helps
What income and expenses can I expect during retirement? Will I have enough money for the desired standard of living? And how can assets be expected to develop? The checklist for budget planning offers clarity for the period after you retire.
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How Important Is the Second Pillar to Your Financial Situation in Later Years?
An analysis by Credit Suisse economists shows that the proportion of the Swiss population covered by employee benefits insurance has risen from generation to generation. Even so, only for the higher-income brackets – including for the younger generation of retirees – is the second pillar a key component of income.
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Demographic Change Is Causing Issues for Retirement Pensions
Today, too many retirees need to be financed by too few actively employed workers. This means that the intergenerational contract and retirement provision must be adjusted to suit the conditions of modern society.
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"Pension or Lump Sum?" Video
When it comes to retirement, almost every employee must decide whether to withdraw the saved pension fund assets as a pension or as a lump sum.
