Retirement advice

All about your retirement

Retirement is something we look forward to but it can be a time of uncertainty that raises lots of questions. You have to make important decisions about retirement that will stay with you for the rest of your life. We can support you on your path to retirement.

Retirement advice: what to expect

- Professional advice and support from experts
- Analysis of the pension benefits you can expect when you retire
- Assessment of pension gaps in your old age
- Individual solutions for building up assets until retirement and for asset depletion during retirement
- Ensure your security with personal retirement planning

This is how retirement advice works

By the age of 50 at the latest, it is a good idea to look specifically at finances for your old age. Our retirement advice is geared entirely towards your personal and financial needs, plans and dreams for your retirement, so we can achieve your individual retirement goals together.

Step 1: Situation and needs analysis based on your goals, needs and wishes

Transparency and trust are the basis for retirement advice at PostFinance. In a consultation, we analyse your personal, retirement planning and financial situation. Your financial requirements, along with your plans and dreams for the future, help us to find solutions that match your needs and goals for financial peace of mind in your retirement.

Your situation and needs analysis is based on:

Personal information and details of your family/life situation
Tax return
Any relevant, existing pension documents, such as pension fund statements, life insurance policies, 3a retirement assets, private health insurance or accident insurance policies

Step 2: Compiling your personal retirement planning analysis

We compile your personal retirement analysis based on the documents you have provided and the situation and needs analysis we carry out. We focus here on your state, employee and private retirement planning benefits at the time you would like to retire.

Step 3: Discussing your personal retirement analysis

Our financial planning experts present the analysis of your current retirement planning situation in a easily comprehensible way. The aim of the meeting is to identify whether there are any gaps in your pension or potential for improvement − based on your personal and financial needs, plans and dreams for the future. Or whether you may be able to afford to retire early.

The analysis mainly includes:

the current benefits from your state, employee and private retirement planning onwards.
The effective benefits are compared with your financial needs in your old age to identify any gaps in your pension.
Analysis of the depletion of free assets you can use to secure your income in old age.

Step 4: Optimizing your retirement planning and asset situation

Personal retirement planning analysis is the basis for optimizing your current retirement planning situation or planning asset growth for retirement. Our retirement planning experts will show you different approaches to cover pension gaps or to optimize your tax situation with pension solutions.

If you wish, we can provide further details on topics such as

Effects of early, deferred or semi-retirement
Advantages and disadvantages of pension or capital withdrawal from the pension fund
Amortization obligations and the affordability of your own home after retirement
Succession planning
Advance care directives
Patient decrees

Step 5: Implementing and discussing further steps

We advise you – you decide which solutions or products are right for you. At the end of the PostFinance retirement advice process, you can be sure that your retirement planning needs are optimally protected with regard to your retirement. Please note that changes in your personal or professional situation can have positive or negative effects on your retirement planning situation, so you should check your personal retirement plan regularly until you retire. We can help you with this. So that your well-earned retirement goes just as you want it to.

Using your current situation, we analyse your income and assets situation at the time when you reach your desired retirement age. To do this, we analyse your income streams from the different pension provision solutions, cover any gaps and show you possible solutions.

Would you like to tackle the topic of retirement planning and pensions yourself? We recommend the following fields of knowledge and calculators.

Retirement planning information

Basic retirement planning information	Information on the 3-pillar concept in Switzerland and further useful information can be found under Financial planning information.
Optimizing your retirement planning situation	Find out how you can make targeted savings for your old age and optimize your retirement planning situation. Optimizing your retirement
Preparing for retirement	A few years before retirement, there are still a few important decisions to make – especially if you are thinking of taking early retirement. Retirement planning maintenance
Retirement planning solutions overview	PostFinance offers a suitable solution for all your retirement planning needs.

Retirement planning calculators

Retirement planning	Get an overview of your personal retirement planning situation when you retire with the retirement planning calculator.
Household budget	Get an overview of your individual incomings and expenditure with the household budget calculator.
Tax savings with pillar 3a	Calculate your tax benefits and asset growth with inpayments to pillar 3a with the tax savings with pillar 3a calculator.
Lump sum payment	Calculate how much tax you will pay if you withdraw credit from your employee benefits or your fixed pension plan under pillar 3a with the lump sum payment calculator.
More calculators	Calculate asset growth for achieving a savings target or check the effects of making voluntary payments into your pension fund. Discover all our retirement planning calculators.

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