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Retiring early is not as simple as you might think. We recommend starting to plan your early retirement in good time. You can only withdraw your retirement savings once. So it is crucial to plan how to make use of your pension savings in advance.

Retirement provision is a key issue in Switzerland and has been at the heart of societal and political concerns for years. The pension system is constantly under pressure to reform due to demographic change and rising life expectancy. This blog post provides an overview of the current AHV 21 reform.

Retirement assets are saved up during employment, often for a pension or better retirement provision. Besides government levies, old-age and survivors’ insurance (OASI) contributions (pillar 1) and employers’ contributions to the pension fund (pillar 2), employed persons with an income subject to OASI contributions can also pay into pillar 3 – the tied pillar 3a retirement provision – and in turn deduct the contributions from taxable income.

Do you want to decide for yourself who has a claim to your pillar 3 (savings 3 foundation) retirement assets when you die? In this article, we explain the applicable provisions and show you how you can change your order of beneficiaries.