Envisager une retraite anticipée en fonction de différents scénarios
Nos experts en planification patrimoniale répondent aux 5 questions les plus courantes sur la retraite anticipée
Découvrez ce à quoi il faut prêter attention lors d’une retraite anticipée – tout particulièrement en cette période post-corona. En outre, vous trouverez une liste pratique des 12 étapes importantes vers la retraite.
En un coup d’œil
- Quelle est la plus grosse erreur que l’on puisse faire en planifiant sa retraite?
- Que se passe-t-il si je perds mon emploi? Puis-je encore planifier une retraite anticipée et n’est-ce pas trop tard?
- Au départ à la retraite, je peux choisir de retirer ma caisse de pension sous forme de rente ou de capital. A quoi dois-je faire attention?
- Quelle est la possibilité d’un départ progressif à la retraite?
- Lorsqu’on désire retirer sa caisse de pension ou son 3ème pilier, à quoi faut-il être attentif?
Replay du livestream
A découvrir dans cette vidéo de 30’: Comprendre en termes simples et clairs comment aborder correctement la retraite anticipée. Nos experts en planification patrimoniale donnent un aperçu de leur expérience et des règles empiriques – et expliquent quel volume d’impôts peuvent plus ou moins résulter d’un retrait sous forme de rente ou de capital. Vontobel, enregistré le 18 juin 2020, 16h30.
It’s never too early to scroll towards your pension.
You cannot predict the future. But thinking in scenarios keeps options open.
| Years until your pension |
What’s worth to have a look at? | ||
|
–10 yr. |
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 |
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* For example liquidity, investments, real estate, pension schemes, participations, etc.
** E.g. pension conversion rates, savings contributions, bridging pension, partial retirement, death, etc.
Financial and Pension Planning for CH-domiciled Clients
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
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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? |
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| Projects & investments | ||||
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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? |
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| Estate planning | ||||
| 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.
Savez-vous qui héritera de vos avoirs de prévoyance?
Notre experte vous l’explique avec un exemple.
