Switzerland Retirement

Retirement

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  1. Lump-sum payout tax: There are considerable differences between the cantons when it comes to taxes on lump-sum payouts.

    Lump-sum payout tax: Seven things you should know long before retirement

    You can save taxes throughout your entire working life by paying into your employee benefits insurance and private pension. When you withdraw these amounts on retirement, they are subject to their own special tax: lump-sum payout tax. This varies depending on the canton and the amount of capital involved. An astute strategy can sometimes save a lot of money. The following seven points summarize the key information.

  2. Partial retirement: Key facts on staggered retirement

    Leave the world of work step-by-step with partial retirement. 

    Partial retirement enables people to gradually reduce their level of employment, where permitted by the regulations of their pension fund and made possible by their employer. We look at the key points that need to be considered, and at why detailed planning is important if you intend to stagger your retirement. 

  3. Payout of pension fund assets: Reasons for withdrawing pension fund assets early

    Payout of pension fund assets. When is early withdrawal possible and how can you request it?

    Which requirements apply for an early withdrawal of pension fund assets, and how should you go about requesting a withdrawal? What insured parties in Switzerland should absolutely know if they wish to make an early pension fund withdrawal.

  4. BVG conversion rate: How the conversion rate determines the BVG pension

    What is the conversion rate?

    The conversion rate is used to calculate the annual BVG pension from the available retirement capital. Anyone who wants to find out what pension is realistic after retirement  should know these important facts regarding the conversion rate and BVG regulations.

  5. Bespoke retirement: Switzerland's four retirement models

    Retirement is a milestone in your professional life. That is why it needs to be planned well. Whether you choose to retire early at 58 or defer retirement until 70, and whether you take a partial retirement in stages or retire upon reaching the AHV retirement age: Learn about the pros and cons of the different retirement models and find out more in informative articles. These will help you find out which retirement model is best suited to your personal situation.

  6. "I'll take early retirement when I'm 75."

    Mr. and Mrs. Roduner's working lives are much too exciting to retire. When he reached retirement age, Professor Roduner took on a project in South Africa that may help to save our climate. Hanny Roduner wouldn't dream of giving up her life's work either.

  7. Deferred retirement: postpone your BVG and AHV pension

    Deferred retirement. Why it pays off.

    If you are in good health and enjoy your work, you may want to work past normal retirement age. How deferred retirement works and what the concrete financial advantages look like.

  8. Early retirement: Planning for early retirement

    Early retirement: Can I afford to retire early? 

    Many people nurture the desire to retire early. However, the financial shortfall associated with early retirement needs to be clarified beforehand. Only if you plan ahead and are aware of your likely pension from the AHV and pension fund will you know whether early retirement is possible.  

  9. Normal retirement: How to take your retirement

    Taking normal retirement. What you need to do.

    You have reached normal retirement age and want to start your well-earned retirement. Find out what steps you need to take for normal retirement, and what points you need to bear in mind.

  10. Pension or lump sum: An important decision on retirement

    Drawing pension fund benefits as a pension or as a lump sum? That is the question.

    Pension fund assets are often the most significant assets that Swiss people have. Before retirement, people face the important choice of whether to draw their benefits as a pension or as a lump sum. What are the practical implications of a lump-sum withdrawal from the pension fund, and why is an individual solution always best?