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"For every year of early retirement, you need 18 months of your annual salary."
In Switzerland, awareness of the importance of private pension provision is visibly growing. This is an important trend, says Désirée von Michaelis, Head of Wealth Planning at Credit Suisse in an interview. What to take into consideration when planning your retirement – for example, for early retirement. Five tips from Credit Suisse for successful retirement.
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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.
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Voluntary pension contributions: Should you pay into the second pillar or Pillar 3a?
Those who want to ensure financial security in retirement can take advantage of two voluntary provision options with tax benefits: buying into a pension fund or paying into Pillar 3a. The pros and cons of each option to enable you to make the right decision in your own situation.
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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.
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BVG reform. The changes that are needed.
Now that the AHV has been reformed, the federal government is looking to reform the BVG as well. On March 17, the proposed reform to employee benefits insurance passed the final vote in parliament. A popular ballot will be held in 2024. But what is the reform about and how would things change? Here's an overview.
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Identifying, avoiding, and closing pension gaps early on
If a pension is not large enough to cover a person's normal expenses, this is known as a pension gap. What are the potential causes of such a gap and what options does the Swiss pension system provide for avoiding or closing them at an early stage?
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Maximum Pillar 3a amount in 2024
The maximum Pillar 3a amounts for 2024 remain the same as last year – plan your deposits for next year now.
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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 reference 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.
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Taking normal retirement. What you need to do.
You will soon be reaching the reference age and wish to take your well-earned retirement. Find out what steps you need to take for normal retirement and what points you need to bear in mind.
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Deferred retirement. Why it pays off.
If you are in good health and enjoy your work, you may want to work past the reference age. How deferred retirement works and what the concrete financial advantages look like.
