Retirement advice

While retirement is something we look forward to, it also raises a lot of questions. You have to make important decisions that will stay with you for the rest of your life. We can support you on your path to retirement. Book a free consultation with our experts.

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  2. Choose an appropriate branch or an online consultation
  3. Set the desired date and time
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Benefit from the knowledge of our experts

  • Analysis of your provisional pension benefits
  • Assessment of pension gaps
  • Individual solutions for building up assets and subsequent asset depletion
  • Ensure your security with personal retirement planning

By the age of 50 at the latest, it is a good idea to look specifically at finances for your old age. Arrange a consultation to get some clarity at an early stage. Our retirement advice is geared entirely towards your personal financial needs, plans and dreams for your retirement.

Step 1: Situation and needs analysis

In an initial consultation, we will analyse your personal, retirement planning and financial situation. Your objectives, needs and wishes will set the course.

Step 2: Compiling your retirement planning analysis

By taking into account your provisional cover from state, occupational and private pensions, we can obtain an overall picture of your future financial situation.

Step 3: Discussing your retirement analysis

During another appointment, our retirement planning experts will present any pension gaps, optimization opportunities or the option of early retirement in an easily comprehensible way.

Step 4: Optimizing your retirement planning and asset situation

We will discuss different ways to optimize your retirement planning situation and take tax aspects into account. Together, we will plan the building up of assets until your retirement so that you can cover any pension gaps in good time.

Step 5: Implementing further steps

We will advise you, but you will decide which solutions or products are right for you. After the consultation, you should be able to look forward to retirement with optimum security.

We are here for you at every stage of your life

Changes in your personal or professional situation can have positive or negative effects on your retirement planning situation. Check your personal pension plan regularly. We can help you with this.

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.

The image shows a graphic comparison of Marie and Reto’s future income of a total of 83,354 francs per year and the capital that is likely to be missing after retirement at 34,298 francs per year. The calculation is further subdivided into employee benefit requirements, expected asset depletion and benefits from the 1st and 2nd pillar. This will result in a shortfall of assets of 2,086 francs per year.

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.

Arrange an appointment over the phone

+41 58 448 14 14

Monday to Friday: 8 a.m. – 8 p.m
Saturday: 8 a.m. – 5 p.m