How should I invest the capital paid out?
We work with you to develop your personal investment strategy to protect your capital while achieving an adequate return.
Optimize your financial future:
What happens when you cash in your pension fund?
Pension fund trends in Switzerland
Withdrawal of pension assets is on the rise in Switzerland, as more people live to retire and accordingly draw benefits from their pension funds. This trend is being reinforced by various factors such as demographic change, longer life expectancy and an economic environment that is potentially reducing the returns on pension funds. In addition, changes in pension regulations and an increase in redistribution of the extra-mandatory portion of the pension fund can contribute to more people having their pension fund assets paid out in full.
The central questions are as follows:
How do I secure my income in old age?
We put you and your personal standard of living at the heart of the matter. We devise a sustainable income strategy for your financial independence and a secure retirement.
What taxes do I have to pay on the funds paid out?
The tax implications of the payout must be taken into account in order to avoid nasty surprises. We are happy to support you in this regard with our independent network of experts.
How will I cover my healthcare and nursing costs?
It is important to be aware of the costs of illness and care in old age and to take these into account in the income analysis.
How can I organize my assets in the event of my death?
Timely estate planning is crucial to ensure that assets are passed on in accordance with your wishes. There are various approaches to this, and we would be happy to support you with our knowledge and network of expertise.
Capital sufficiency analysis
The capital sufficiency analysis helps us to determine the probability that you can achieve a certain pension in conjunction with your pension fund capital, your investment strategy and life expectancy. In doing so, we take into account your personal goals and family background.
Customized investment solutions
We would be happy to create an investment solution for you that is tailored to your needs and takes into account your personal wishes, whether it be in relation to the desired security, the exclusion of investment products or areas, or a focus on sustainability. The aim of our solutions is always to put you at the very center while keeping the big picture in mind.
Our independence
We consciously refrain from offering our own investment funds or equivalents. Our consultants do not receive kickbacks or other bonuses for selling certain products. Your advantage: Your portfolio is based exclusively on securities that are in line with your goals and needs.
Security is our top priority
Generally speaking, when you as a client entrust your assets to us, security and trust are of the utmost importance. With our sound capitalization, no proprietary trading and limited lending, we can guarantee this to a substantial degree for your assets, in particular your retirement assets.
Transparency builds trust
It is important to us that the client knows exactly what they are paying for and why. We therefore place the highest value on transparency with regard to the investment and the defined fee structure.
