Planning for retirement
AHV, BVG, Pillar 3a, withdrawals
Guides for this situation (16)
The guides below cover the topics that matter most at this stage.
AHV 21: What the Reform Means for Retirement Age and Flexibility
The higher reference age for women, flexible retirement from 63 and the compensation for the transition generation.
🏔️ Retirement & PensionsAHV Contribution Gaps: How to Find and Close Them
Why missing years reduce your pension, how to check your account and when you can still pay back.
🏔️ Retirement & PensionsAHV: How Your State Pension Is Calculated
Contribution years, average income, the scale 44, early and late retirement and the 13th pension.
🏔️ Retirement & PensionsChanging Jobs: What Happens to Your Pension Fund Savings
Vested benefits, the transfer to your new fund and what to do in a gap between jobs.
📈 Savings & InvestingEarly Retirement (FIRE) in Switzerland
High salaries make FIRE realistic, but pensions, health insurance and tax need careful planning.
🏔️ Retirement & PensionsPension Fund Buy-Ins: A Step-by-Step Strategy
How to find your buy-in potential, spread purchases over several years and avoid common traps.
🏔️ Retirement & PensionsPension or Lump Sum? How to Choose at Retirement
Compare lifelong annuities with capital withdrawals: taxes, risk, flexibility and deadlines.
🏔️ Retirement & PensionsPillar 3a Withdrawal: How to Plan the Tax
When you can withdraw, why staggering helps and what to coordinate with your pension fund.
🏔️ Retirement & PensionsPillar 3a: The Complete Guide to Tax-Free Retirement Saving
Contribution limits, how to choose between a bank account and securities, and how to cut tax on withdrawal.
🏔️ Retirement & PensionsRetirement Planning in Switzerland: A Checklist by Age
What to do in your 20s, 30s, 40s, 50s and 60s to reach retirement with enough money.
🏔️ Retirement & PensionsRetiring Abroad: What Happens to Your Swiss Pensions and Taxes
Paying out AHV abroad, pension fund options and the tax consequences of leaving.
🏔️ Retirement & PensionsRetiring Before 65: Accessing Pension Money and Bridging the Gap
From which age you can draw each pillar and how to finance the years in between.
🏔️ Retirement & PensionsThe Swiss Three-Pillar Pension System Explained
AHV, pension fund and private savings: how the three pillars work together and what each one gives you.
🏔️ Retirement & PensionsYour Pension Fund (BVG): Buy-Ins, Conversion Rates and Choices
How the second pillar works, why conversion rates matter and when a voluntary purchase pays off.
🏔️ Retirement & PensionsYour Pension Fund’s Health: Funding Ratio, Interest and Conversion Rate
Which figures show whether your fund is stable and what to do if it is not.
🛡️ Insurance & HealthLong-Term Care in Switzerland: What It Costs and Who Pays
Nursing home and home care costs, what health insurance and AHV contribute and how to plan.
Calculators for this situation
Use our calculators to get personalized results for your situation.