Retirement Planning
A retirement designed for you
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.
Retirement aligned with your priorities
Our team is trained in Swiss regulations (VVG, BVG, KVG, etc.), to pension schemes (3 pillars, vested benefits, taxation) as well as the various insurance branches.
Whether it's life insurance, health insurance, loss-of-earnings cover, liability insurance, household insurance, car insurance or professional solutions for businesses, you benefit from precise, documented support that's always aligned with your personal situation.
Thanks to our independence, we have access to all insurance companies and negotiate the best conditions for you. No commercial pressure, no forced orientation: your needs dictate our recommendations.
Insurance doesn't stand still. Marriage, family, property purchase or retirement: as your life changes, so do your coverages. We're here to adapt your cover and defend your rights, even in the event of a claim.
Our expertise in retirement planning
Invexa can help you assess your future needs, optimize your assets and define a clear, personalized strategy.
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.
Retirement scenarios modeling
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).
Everything you need to know about retirement in Switzerland
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 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 of your current situation (AVS, LPP, 3rd pillar, private assets), income projections for retirement, simulations based on different scenarios (retirement age, pension or lump sum), and concrete recommendations on the steps to take. An action plan is established for each stage.
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 useful for retirement planning are the AVS, the pension fund, and the 3rd pillar. By combining them coherently, you can ensure a stable and tax-optimized income once your working life is over.
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 relies on a comprehensive, structured, and sufficiently forward-looking vision.
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.
