Retirement planning
All you need to know about retirement
Discover our specialized articles to help you prepare for retirement in the best possible conditions.
Why choose Fondeca?
Independent advice
Invexa does not sell banking or insurance products. We are on your side, defending your interests to the best of our ability.
Results-oriented approach
We'll help you make concrete, realistic decisions that are consistent with your tax, business and family situation.
Expert advice
Our advisors are specialists in their field and hold qualifications recognized in Switzerland.
Support
Our team is at your disposal to advise and support you at all times, for simple or complex situations.
Our expertise in retirement planning
Life insurance offers many advantages and can be adapted to every stage of your life.
A complete review of your pension situation
We analyze your projected 1st, 2nd and 3rd pillar benefits, as well as any vested benefits. You'll get a clear picture of your future income and the gaps you need to close.
Tailor-made retirement scenarios
We model several options: ordinary, early or deferred retirement; annuity, capital or a combination of the two. You can visualize the financial impact of each decision.
Concrete recommendations
We identify the levers you need to activate (BVG buy-backs, instalments, choice of matrimonial property regime, etc.) to maximize your income and reduce your tax burden at retirement.
Tailor-made action plan
You'll leave with a structured, easy-to-understand plan, and guidance on the steps to take (withdrawals, insurance, inheritance, tax).
A retirement to suit you
Retirement aligned with your priorities
Retirement is not a one-size-fits-all formula. Some want to stop as soon as possible, while others prefer to spread out their transition or combine part-time work with a pension. Capital can be a lever of freedom or a source of uncertainty.
We'll help you define a trajectory that's consistent with your expectations, and implement a tailor-made strategy.
Leaving before the legal retirement age means reduced benefitsHowever, this can be partially offset by targeted purchases or appropriate tax planning. Conversely, deferring retirement allows you to increase your AVS pension and continue to contribute.
We model the different options to help you make an informed choice.
The choice between annuity and capital depends on many factors: family situation, tax situation, need for flexibility, life expectancy, etc. We'll help you assess the consequences of each option, taking into account your pension plan and the tax rules in your canton.
Do you want to travel, pass on an asset, support your loved ones, or gradually reduce your level of activity? An effective retirement strategy takes into account these projectsanticipates their financing and adapts to their timing.
We work with you to build a clear, stable and scalable framework.
Frequently asked questions about retirement planning
Here are the answers to the most frequently asked questions about health insurance in Switzerland.
From the age of 50 onwards, certain decisions have a lasting impact on your standard of living in retirement. That said, it's never too early to structure your pension provision. The more you plan ahead, the more effective your tax, financial and inheritance planning levers will be.
It includes a analysis your current situation (AHV, BVG, 3rd pillar, private assets), the income projections retired simulations according to different scenarios (retirement age, pension or lump-sum) and concrete recommendations on the steps to be taken. An action plan is drawn up for each step.
After an initial discussion (free of charge), we collect the necessary documents (pension certificates, statements, tax situation). We then carry out analyses and projections, which we present to you in a detailed interview. You leave with a structured plan and concrete recommendations. If required, we can help you implement the plan.
Yes, we can provide support on a one-off basis (for a specific decision) or on a global basis (complete planning). We tailor the assignment to your needs, whether it involves validating an option or building a complete retirement plan.
The main instruments used to prepare for retirement are theAVSpension funds and the 3rd pillar. By combining them in a coherent way, you can ensure a stable, tax-optimized income once you've finished working.
Investing your assets in securities, bonds or ETFs allows you to grow your capital independently, with a strategy tailored to your retirement horizon. Added to this are BVG/LPP buy-ins, estate planning, real estate management and coordination with your spouse's situation.
Good preparation is based on a vision globalstructured and sufficiently early.
Yes, this is possible, but it generally entails a reduction in AHV and BVG benefits. In the case of AHV, the pension can be paid up to 2 years in advance, subject to a penalty. permanent. For the pension fund, some funds allow retirement as early as 58, sometimes earlier for executives. The 3rd pillar can be withdrawn at the earliest 5 years before normal retirement age.
In all cases, precise planning enables us to measure the impact and offset it in part through buy-backs or additional savings.
It is often advisable to consolidate or organize their phased withdrawal over several years. This optimizes taxation (since tax on capital benefits is progressive) and simplifies management. A personalized analysis will determine the most favorable schedule.
Get advice
Make a free appointment with one of our pension experts for personalized advice.
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