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Plan your wealth

Prepare your early retirement

Choose the best option for your needs by considering different scenarios.

Early retirement - step by step


"Many people are already on the home stretch when they realize that their assets are not keeping pace with their retirement plans."

 

Planning for retirement is crucial, especially if your goal is early retirement or partial retirement. Either way, these three expert tips provide some valuable guidance for entering the next phase of your life well-prepared. 

Milestones on the path to early retirement

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Develop a withdrawal strategy

When you retire, you can no longer rely on earned income to cover your expenses. In other words: You need to have solid retirement plans in place. But it is not just about how much wealth and retirement capital you have accumulated – how you withdraw it is just as important. Would you like to understand how different forms of withdrawal will impact your tax obligations for the rest of your life?

"Retirement doesn’t have to be an abrupt transition from working full-time to doing nothing. You can take a gradual approach, whether by dropping down to working part-time or reducing your hours step by step."

Tobias Vinzent, Head Wealth Planning

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Partial retirement or working part-time

By reducing your working hours – with or without drawing retirement benefits – you can continue to earn an income, contribute to your retirement savings and remain either partially or fully insured with your pension fund. This gives you more flexibility to access your retirement savings, and it also offers potential tax benefits. It is important to note that the corresponding options may vary depending on the pension fund, your employer or the tax situation in your canton.

Free assessment of your retirement situation

Get your retirement and financial plans up to date with advice from our knowledgeable experts. Arrange a free initial consultation* or call us.
Arrange a consultation+41 58 283 64 46

*The initial consultation is suitable for people who have multiple sources of assets, property, and/or pension plans, who wish to assess their overall situation and identify potential optimizations as well as get investment ideas. The duration of the free initial consultation is 60 minutes. 

During the initial consultation, we will discuss the following questions with you:

  • What factors should you consider for early retirement?
  • How can you optimize your retirement finances?
  • What retirement benefits can you expect?
  • What projects and investments are you planning for the future?
  • What is the best asset structure for your 2nd and 3rd pillar savings?
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Comprehensive advice

Whether you are considering early retirement, partial retirement or reducing your working hours, the right “next step” depends on your personal goals and your financial situation. We are here to help you plan ahead so that early retirement is not just a dream. We will assess your retirement situation as a whole, present you with various options and help you identify potential ways to optimize your finances. Contact us today for a non-binding consultation.

Our wealth and financial planners

Our experts bring our promises to life – let’s talk.

Tobias Vinzent

Head Wealth Planning

Arrange a consultation
Portrait of Bettina Rösch, Head Wealth Services CH at Vontobel

Bettina Rösch

Head Wealth Services CH

Arrange a consultation
Portrait of Burak Ak, Head Financial Planning at Vontobel

Burak Ak

Head Financial Planning

Arrange a consultation

Give us a call

Monday through Friday, 8 a.m. to 6 p.m.
+41 58 283 60 05

Personal consulting

Fill out the contact form to request a callback or an appointment.
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What else we can offer you

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Do a wealth check

Take control of your future standard of living by preparing early. As globally active financial experts, we look after your assets actively and with foresight.

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Advice on inheritance

Many people want to hand down assets to their loved ones when they pass away. With careful estate planning, you can ensure your estate is distributed according to your specifications.

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Keep your living standard

When people hear the word “retirement,” they usually immediately think of relaxation and freedom. The illusion here is that, until you retire, your finances are anything but “relaxed”.

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