Pension Analysis
Why a retirement planning analysis?
Understanding your future financial situation is essential to preparing for a worry-free retirement. A pension analysis enables you to assess your projected income, identify any gaps that need to be filled, and put in place appropriate measures to secure your assets and optimize your benefits.
Benefits of a pension analysis
The analysis takes into account your current and projected 1st, 2nd and 3rd pillar benefits, as well as your vested benefits. This gives you a complete picture of your entitlements and the amounts to which you are entitled on retirement.
We identify any shortfalls between your financial needs and your projected benefits, to determine the measures needed to supplement your income and secure your retirement.
Based on the results, we propose concrete solutions tailored to your profile, including contribution adjustments, additional investments or optimization of your existing assets, with follow-up to ensure their effective implementation.
How does a pension analysis work?
Find out how we can help you assess your future income and secure your retirement.
Complete pillar analysis
We examine your current and projected 1st, 2nd and 3rd pillar benefits, as well as any vested benefits you may have. This analysis gives you an overall picture of your situation.
Identification of gaps to be filled
We highlight any gaps between your financial needs and your projected benefits. This enables us to determine what additional measures are needed to secure your retirement.
Personalized recommendations
Based on the results of our analysis, we propose concrete solutions tailored to your profile: contribution adjustments, surrenders, additional investments or optimization of your existing assets.
Follow-up and support
After the analysis, we support you in implementing the recommended solutions and adjusting your choices over time. This follow-up ensures that your pension plan remains fit for purpose.
All you need to know about pension planning
Discover our specialized articles to help you prepare for retirement in the best possible conditions.
Why choose Invexa?
Invexa will work with you rigorously, ethically and objectively to optimize your retirement and personal finances, without any conflict of interest.
Independent advice
Invexa is not affiliated with any bank or insurance company. 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.
All-round Support
Our team is at your disposal to advise and support you at all times, for simple or complex situations.
Frequently asked questions
Here are the answers to questions about pension planning in Switzerland.
It's a comprehensive assessment of your 1st, 2nd and 3rd pillar benefits, as well as your vested benefits, to understand your future income and identify any gaps that need to be filled.
It allows you to anticipate your financial needs in retirement, secure your assets and make informed decisions to supplement your future income if necessary.
Salary certificates, pension fund statements, individual AHV account statements, pension certificates and any documents relating to your BVG assets or Pillar 2 and 3 contributions.
Depending on the complexity of your situation and the documents already in your possession, the analysis can take from a few days to a few weeks. We provide you with a clear report at the end of the process.
The report is a comprehensive plan presenting projections of your 1st, 2nd and 3rd pillar benefits in the event of disability and old age. Solutions are also proposed to fill any gaps.
Yes, we offer a follow-up service to help you implement the recommendations, adjust your contributions and monitor the evolution of your pension plan over time.
There is no specific age, but it is recommended to conduct a first analysis from ages 25–30, when your contributions to the 2nd pillar and 3rd pillar products begin to accumulate significantly. A regular analysis every 3 to 5 years is also advised to adjust your contributions and investments according to the evolution of your career, income, and retirement goals.
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