During counseling sessions, we often meet the need for staggered retirement. This differs from a pure reduction in workload. Many workers do not want to give up work from 100% to 0% directly. Most pension funds offer the option of partial retirement. In the case of partial retirement, retirement benefits (pension or capital) to the extent of the reduction already become due when the workload is reduced. In contrast to a pure reduction in workload. It is important that we carefully examine the tax implications in addition to the pension aspects. There are some differences between the cantons.

The rule of thumb is to first pay into pillar 3a and then initiate pension fund purchases. Pillar 3a is a private pension plan that is less heavily regulated, there are different conditions from different providers. In addition, you can keep several accounts and custody accounts and stagger the payment better. You can only pay into pillar 3a once a year. You can also no longer make up for a missed deposit. On the other hand, you can distribute your purchases into the pension fund flexibly.

On the one hand, you should know what budget you are expecting over the next few years. On the other hand, however, what proportion you need as regular income to be able to sleep peacefully. The regular income does not necessarily have to consist of pension income, because maybe a good friend or the neighbor did it. Of course, income from real estate or income from securities as described above is also conceivable. In the end, due to flexibility and tax considerations, the decision often turns out in favor of a mixed variant. We recommend using a solid income and wealth concept that can withstand one or the other crisis and is tax-efficient.

In such a situation, careful planning / advice becomes even more important because you have to make important decisions within a very short time. It is therefore very relevant to know at this moment what options you have at all in order to then set the right levers in motion, for example how to proceed with the pension fund assets. With an overview of your own long-term financial situation and a tailor-made action plan that shows you when to make which decision, you regain the necessary security.

Yes, it definitely matters. One of the biggest mistakes you can make is not dealing with the topic at all or only too late. Through early preparation, on the one hand, several options such as gradual retirement can be checked, and on the other hand, careful tax planning can lead to significant tax optimizations. The earlier you start, the greater the possibilities. In practice, unfortunately, we often find that many people only get advice when their retirement is imminent. Then it is often too late for a long-term, comprehensive optimization.