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“Think of early retirement in scenarios – that creates options.” — live stream

Livestreams, Insights, Coronavirus, Wealth & Pension Planning
5/20/2020 Reading time: 2 minute(s)
Blick aus der Vogelperspektive auf ein Autobahnkreuz mit zahlreichen Verzweigungen, sinnbildlich für die Wichtigkeit, bei der Frühpensionierung rechzeitig für die richtige Abzweigung einzuspuren.

Our wealth planning experts answer the 5 most common questions about early retirement

Find out what to look out for when retiring early – in general and especially now during Corona times. Plus: a handy checklist that shows 12 mile­stones towards retirement, as well as further links on the topic “financial future”.

Checklist about “early retirement” (with timeline)

What means “holistic wealth planning”?

  

Replay of this live stream (in German):

Understand in simple, clear words how to tackle early retirement properly. Our wealth planning experts provide an insight into their experiences and rules of thumb - and they reveal how much more or less taxes can result from annuity vs. lump sum withdrawal. © Vontobel, recorded on May 29, 2020, 2 p.m.

  

  • At a glance:
    • When is the right time for early retirement?
    • Does early retirement make sense if you have just lost your job?
    • Has early retirement become more popular due to Corona?
    • What income gaps can arise – and how to close them?
    • Annuity vs. lump sum: What to consider when withdrawling my pension fund?
    • Conversion rates are falling in Switzerland – does it make even more sense to retire earlier?

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It’s never too early to scroll towards your pension.

You cannot predict the future. But thinking in scenarios keeps options open.

Years
until your pension		 What’s worth to have a look at?

–10 yr.

 Set personal goals Create an overview of the total assets*, in­come and ex­pens­es Review your tax sit­ua­tion and, e.g. plan tax-ef­fec­tive in­vest­ments sensibly
–8 yr. Arrange com­pa­ny suc­ces­sion Check and make pen­sion fund pur­chas­es
  
–6 yr. Plan your housing and debt situation long-term Ex­am­ine the pen­sion scheme’s claims and options in detail **  
–4 yr. Sched­ule split with­draw­al of re­tire­ment assets (1st pillar, 2nd pillar, 3rd pillar) Decision annuity / lump sum from pension fund  
–2 yr. Re­struc­tur­ing of assets Plan­ning the trans­fer of wealth  
–1 yr. Verify non-em­ployed con­tri­bu­tions to AHV (OASI)    
⯈⯈ YOUR PENSION STARTS
  

* For example liquidity, investments, real estate, pension schemes, participations, etc.

** E.g. pension conversion rates, savings contributions, bridging pension, partial retirement, death, etc.

  

Financial and Pension Planning for CH-domiciled Clients

Think of tomorrow today. Our financial and pension planning is founded on an understanding of your situation in life. What are your objectives? And what concerns do you have?

Get comprehensive advice on your financial future

What retire­ment benefits can you expect to receive? And how can you opti­mize them?

Pension planning

 What projects and invest­ments would you like to realize in the future? How will they affect your income and wealth situ­ation?

What is the optimal structure for your assets as a whole, including your 2nd and 3rd pillar pension assets? And what other aspects need to be consid­ered?

Assets
  Projects & invest­ments  
Livestream12_Chart_Finanzplanung_640x640px_DE.png
   

Tax planning

How do you opti­mize your current tax posi­tion? And what factors should be taken into account in the future?

Real estate

What do your current and future housing needs look like? What is the optimal borrow­ing rate for you?
  Estate planning  
  Who will be your beneficiaries upon your death? What options do you have to shape your estate plan according to your wishes?  

For us, “holistic wealth planning” means: In a free consultation, we look at your individual situation and identify any areas that could be optimized. These form the basis for providing you with financial and pension consulting.

  

Let our experts advise you without any obligation.

  

 
  • Legal notice

    The data transmitted to Vontobel using this form are sent encrypted via the Internet. However, the possibility of unauthorized third parties accessing the transmitted data, particularly using malware on the computer, cannot fully be excluded. If you are using this form to send confidential data (e.g. your account number), you accept the risk of disclosure of your banking relationship and bank account information to third parties and you release Vontobel from any and all liability for damages incurred as a result of the use of this form, to the extent that such release is permitted by the law.

    By providing your phone number and/or email address, you declare your express consent to Vontobel contacting you by phone and/or unsecured email. The personal data provided by you are used and stored to handle and process your inquiry and in order for us to perform our contractual duties in connection with the services chosen by you. The personal data may be processed on behalf of Vontobel by a subcontractor engaged by Vontobel, including outside your own or Vontobel’s location. Your personal data are processed and stored for the duration of our business relationship. In addition, we are subject to a number of duties to retain and document. Finally, the duration of storage is also determined by the statutory limitation periods.

    Please note that the use of email and electronic means of communication involves significant risks, such as lack of confidentiality, possible manipulation of contents or sender, dispatch to the wrong recipient, viruses, etc. Vontobel does not accept any responsibility for damages in connection with the use of emails and electronic means of communication. Vontobel therefore also recommends that you do not send sensitive information by email, that received text is not included in responses and that the email address is newly entered manually each time.

    Vontobel does not accept orders for commercial transactions such as the opening of accounts, payment or stock market orders, cancellations of orders or authorizations, blocking of credit cards, changes of address etc. via this form. Please contact your branch or your relationship manager with regard to such transactions.



    Bank Vontobel AG
    General Counsel
    Gotthardstrasse 43
    CH-8022 Zürich

    Terms and Conditions of Use
    Privacy Policy

* Mandatory fields

  

 

Tobias Vinzent runs the Wealth Planning department with various expert teams in financial and pension planning, estate and tax planning as well as foundations and accounting. He passed the examination to become a federally certified SME financial expert and certified financial planner. Tobias Vinzent also has a CAS in applied psychology and a Master’s in Advanced Studies in Swiss Finance (concentration: Wealth Management).

 

  

  

 

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Topics
Coronavirus Wealth & Pension Planning
Investor type
Private investors

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