Head of Wealth Planning
Find out what to look out for when retiring early – in general and especially now during Corona times. Plus: a handy checklist that shows 12 milestones towards retirement, as well as further links on the topic “financial future”.
Checklist about “early retirement” (with timeline)
Understand in simple, clear words how to tackle early retirement properly. Our wealth planning experts provide an insight into their experiences and rules of thumb - and they reveal how much more or less taxes can result from annuity vs. lump sum withdrawal. © Vontobel, recorded on May 29, 2020, 2 p.m.
You cannot predict the future. But thinking in scenarios keeps options open.
until your pension
|What’s worth to have a look at?|
|Set personal goals||Create an overview of the total assets*, income and expenses||Review your tax situation and, e.g. plan tax-effective investments sensibly|
|–8 yr.||Arrange company succession||Check and make pension fund purchases
|–6 yr.||Plan your housing and debt situation long-term||Examine the pension scheme’s claims and options in detail **|
|–4 yr.||Schedule split withdrawal of retirement assets (1st pillar, 2nd pillar, 3rd pillar)||Decision annuity / lump sum from pension fund|
|–2 yr.||Restructuring of assets||Planning the transfer of wealth|
|–1 yr.||Verify non-employed contributions to AHV (OASI)|
|⯈⯈||YOUR PENSION STARTS
* For example liquidity, investments, real estate, pension schemes, participations, etc.
** E.g. pension conversion rates, savings contributions, bridging pension, partial retirement, death, etc.
Think of tomorrow today. Our financial and pension planning is founded on an understanding of your situation in life. What are your objectives? And what concerns do you have?
Get comprehensive advice on your financial future
What retirement benefits can you expect to receive? And how can you optimize them?
|What projects and investments would you like to realize in the future? How will they affect your income and wealth situation?||
What is the optimal structure for your assets as a whole, including your 2nd and 3rd pillar pension assets? And what other aspects need to be considered?
|Projects & investments|
How do you optimize your current tax position? And what factors should be taken into account in the future?
What do your current and future housing needs look like? What is the optimal borrowing rate for you?
|Who will be your beneficiaries upon your death? What options do you have to shape your estate plan according to your wishes?|
For us, “holistic wealth planning” means: In a free consultation, we look at your individual situation and identify any areas that could be optimized. These form the basis for providing you with financial and pension consulting.
Head of Wealth Planning
Tobias Vinzent runs the Wealth Planning department with various expert teams in financial and pension planning, estate and tax planning as well as foundations and accounting. He passed the examination to become a federally certified SME financial expert and certified financial planner. Tobias Vinzent also has a CAS in applied psychology and a Master’s in Advanced Studies in Swiss Finance (concentration: Wealth Management).