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A pension provision consultation is an individual consultation that helps you secure your financial future. It covers topics such as planning for old age, income protection in case of disability, protection for your surviving dependents and tax optimization.
Pension advice lets you:
A pension provision consultation takes you through the various stages of your life and helps you prepare for your financial future in the best way possible.
Education / starting a career: Start saving for your retirement early on so your savings have time to grow and create a secure future.
Marriage / partnerships: Adjust your financial protection to suit your new personal circumstances and create security for the both of you.
Starting a family: Protect your loved ones and start saving early on in order to secure your future and the future of your family.
Self-employment: Protect yourself so that no challenge, whether big or small, becomes an obstacle to running your own business.
Buying property: With optimized financial planning, you can finance the purchase of your own home and take advantage of tax benefits.
Retirement: Enjoy a worry-free retirement by planning for it in advance.
We will help you find the right solution for every stage of your life.
Here’s what will happen at your pension provision consultation:
For a personal consultation, you’ll need the following:
Pillar 2 account documents:
Pillar 3 account documents:
Tax documents:
Proof of income:
Loans:
Generally, you should get advice every three to five years or if there have been significant changes in your life.
Pension provision for a secure financial future involves using measures and strategies which can include various aspects, such as planning for your retirement, disability, surviving dependents and tax optimization.
If you’d like to know how pension provision works and how the 3 Pillar system in Switzerland is set up, then you can read more about it in our Blog.
Pillar 3 is ideal for saving money and securing your financial future. A distinction is made between Pillar 3a restricted pension plans and Pillar 3b flexible pension plans: Generally speaking, we recommend a combination of both Pillars 3a and 3b for sustainable financial security.
Pillar 3a aims to provide sufficient income in old age and is subject to legal provisions regarding annual contributions and the date of the payout. It can only be financed with premiums. However, the law permits only a limited amount to be paid into the plan each year. These contributions are tax deductible up to the maximum amount, although you can only draw them before retirement subject to certain conditions. Reasons for early withdrawal include the purchase of residential property, leaving Switzerland for good or drawing a full disability pension.
Pillar 3b is flexible regarding the term, beneficiaries and amount of contributions. It can be financed with premiums or with a single payment. You can withdraw your savings at any time, but there are no tax advantages.
The purpose of the three-pillar pension system is to provide financial security for people in Switzerland in old age and in the event of disability or death.
By making voluntary payments into a Pillar 3a restricted pension plan or a Pillar 3b flexible pension plan, you can largely close any income gaps from Pillars 1 and 2.
If you want to build your savings for retirement reliably and over the long term, you will fare best with targeted investments in diversified equities.
