Early retirement – step by step

  

  

Many people are already on the home stretch when they realize that their assets are not keeping pace with their retirement plans.

  

Planning for retirement is crucial, especially if your goal is early retirement or partial retirement. Either way, these three expert tips provide some valuable guidance for entering the next phase of your life well-prepared.

  

Milestones on the path to early retirement

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Develop a withdrawal strategy

When you retire, you can no longer rely on earned income to cover your expenses. In other words: You need to have solid retirement plans in place. But it is not just about how much wealth and retirement capital you have accumulated – how you withdraw it is just as important. Would you like to understand how different forms of withdrawal will impact your tax obligations for the rest of your life?

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Retirement doesn’t have to be an abrupt transition from working full-time to doing nothing. You can take a gradual approach, whether by dropping down to working part-time or reducing your hours step by step.

Tobias Vinzent, Head Wealth Planning

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Partial retirement or working part-time

By reducing your working hours – with or without drawing retirement benefits – you can continue to earn an income, contribute to your retirement savings and remain either partially or fully insured with your pension fund. This gives you more flexibility to access your retirement savings, and it also offers potential tax benefits. It is important to note that the corresponding options may vary depending on the pension fund, your employer or the tax situation in your canton.

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  Free assessment of your retirement situation

Get your retirement and financial plans up to date with advice from our knowledgeable experts. Arrange a free initial consultation* or call us at:

+41 58 283 64 46
 

ARRANGE A CONSULTATION

  

*The initial consultation is suitable for people who have multiple sources of assets, property, and/or pension plans, who wish to assess their overall situation and identify potential optimizations as well as get investment ideas. The duration of the free initial consultation is 60 minutes.

  

  

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Comprehensive advice

Whether you are considering early retirement, partial retirement or reducing your working hours, the right “next step” depends on your personal goals and your financial situation. We are here to help you plan ahead so that early retirement is not just a dream. We will assess your retirement situation as a whole, present you with various options and help you identify potential ways to optimize your finances. Contact us today for a non-binding consultation.

Free assessment of your retirement situation (1h)

Self-check of your retirement and financial situation

  

Our experts bring our promises to life –
let’s talk.

  

Our wealth and financial planners

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Tobias Vinzent

Head Wealth Planning

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Bettina Rösch

Head Wealth Services CH

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Burak Ak

Head Financial Planning

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More about our expertise

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What do you know about your Pillar 3a?

Year-end is the time when many people in Switzerland pay closer attention to their Pillar 3a pension plans. Who can pay into it, how big can be the contribution, and what needs to be considered when withdrawing from it? Our financial planners explain the basic ins and outs of private pension plans in Switzerland.

Read more

  

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