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Wealth management solutions

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

A leather wallet lies on a wooden table

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?


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Portrait of Markus Kumschick

"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."

Markus Kumschick, 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.

 

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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.

Portrait of Markus Kumschick

Markus Kumschick

Head Wealth Planning

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

Bettina Rösch

Head Wealth Services

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

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Insights

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Pillar 3a: actively managed for attractive retirement planning

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Using the third pillar to save for retirement is considered a tried-and-tested practice in Switzerland. In addition to tax optimization and the new option of additional contributions, there’s another advantage: you can invest your 3a funds according to your preferences.

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Retire with a plan: Pension fund payout or monthly pension?

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Retire with a plan: Pension fund payout or monthly pension?

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When withdrawing from a pension fund, one important question arises: Do you want a lifelong pension or do you want a lump-sum payout? Both options have their advantages and their disadvantages.

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How you will divide your estate is not a simple topic. By appointing an executor, you can relieve your heirs of an administrative and emotional burden during a difficult time. When is it useful to have an executor?

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