We help you to close pension gaps in case of incapacity to work, death or in old age. With the right pension solution, you can protect yourself and your loved ones from the financial consequences of incapacity to work or death, and make early provision for your retirement. This allows you to face the future with confidence.
We all have different expectations from life. Our retirement planning advice is oriented entirely towards your personal and financial needs, plans and dreams so we can help you achieve your individual financial goals.
Transparency and trust are the basis of retirement planning 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.
Your situation and needs analysis is based on:
We compile your personal retirement planning analysis based on the documents you have provided and the situation and needs analysis we carry out. We focus here on the benefits from your state, occupational and private pensions in the following scenarios:
Our retirement planning experts present the analysis of your current retirement planning situation in a easily comprehensible way. The aim of the meeting is to show scenarios in which you are sufficiently covered and where there are gaps in your pension or potential for improvement − based on your personal and financial needs, plans and dreams for the future.
The analysis mainly includes:
The personal retirement planning analysis is the basis for optimizing your current retirement planning situation, providing financial protection against risks or planning asset growth for financial peace of mind in retirement. Our retirement planning experts will show you different approaches to cover gaps in your pension or to optimize your tax situation with retirement planning solutions.
If you wish, we can provide further details on topics such as
We advise you – you decide which solutions or products are right for you. At the end of the PostFinance retirement planning advice process, you can be sure that your pension provision requirements are optimally protected based on your current life situation.
Please note that changes in your personal or professional situation can have positive or negative effects on your pension provision situation, so you should check your personal pension plan regularly. We can help you with this. So that your financial future goes just as you want it to.
Based on the information you provide, we check your income situation in the event of various risks, such as incapacity to work due to illness. This is the most common reason for disability. Our experience shows that cover in precisely this case is often insufficient. In a pension provision analysis, we work out possible solutions with you for all risk scenarios, so that you have the optimal protection for your needs.
Would you like to tackle the topic of retirement planning yourself? We recommend the following fields of knowledge and calculators.
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. |
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 solutions overview |
PostFinance offers a suitable solution for all your retirement planning needs. |
Identifying gaps in your pension |
Get an overview of your personal pension provision situation for old age, death and disability with the pension gaps 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. |
Pension fund purchases |
Increase your employee benefits by making voluntary contributions to the pension fund. Calculate your benefits with the pension fund purchases calculator. |
More calculators |
Calculate asset growth for achieving a savings target or the tax burden when you withdraw assets from pillar 3a or the pension fund. Discover all our retirement planning calculators. |
If you do not have access to e-finance or have further questions, we will be happy to arrange an appointment with you by telephone.
