{"id":1641,"date":"2022-09-14T11:59:44","date_gmt":"2022-09-14T11:59:44","guid":{"rendered":"https:\/\/finberg.ch\/?page_id=1641"},"modified":"2026-02-05T16:00:44","modified_gmt":"2026-02-05T15:00:44","slug":"financial-and-pension-planning","status":"publish","type":"page","link":"https:\/\/finberg.ch\/en\/financial-and-pension-planning\/","title":{"rendered":"Financial and pension planning"},"content":{"rendered":"
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Financial and pension planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Trust that connects. Planning that works.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\"Financial and pension planning - A goal without a plan is just a wish\"<\/p>\n

Those who have financial substance bear responsibility, not only in material terms, but also towards themselves, their family and the generations that follow. Forward-looking planning brings clarity to an environment that is becoming increasingly complex. It helps you to make the right decisions at the right time and with an eye on the big picture.<\/span><\/p>\n

The structured discussion of topics such as Taxes<\/a>, real estate, Pension provision or estate planning<\/a><\/strong> creates an overview and opens up room for manoeuvre. Knowing where you stand, what options are available and how different areas interlock brings calm to your thinking and freedom to act.<\/p>\n

This is by no means about restriction. On the contrary: planning ahead opens up new perspectives. Those who start early can act more flexibly and not only formulate goals, but also realise them. Because ultimately, it's not about numbers, but about what lies behind them: Values, wishes, people.<\/p>\n

A reliable, discreet contact who thinks along with you, recognises connections and gets to the heart of complex issues. Someone who takes a holistic view of your concerns, whether they relate to financial strategies, business developments or family handovers.<\/p>\n

The result is customised to the realities of your life and with the aim of combining financial, legal and personal aspects in a meaningful way. <\/p>\n

Planning does not protect against the unforeseen. But it does provide orientation in moments when clarity is crucial. You know where to find relevant information, who is involved and what you have prepared.<\/p>\n

We look forward to accompanying you on this journey. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Pension planning for the self-employed<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Pension planning for the self-employed<\/a> poses particular challenges, as there is often no mandatory occupational pension scheme and individual responsibility is correspondingly higher. Early, structured planning is crucial in order to avoid pension gaps in old age and ensure financial security. Tax optimisation, targeted asset accumulation and the coordination of pension instruments play a central role here.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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FAQ on financial and pension planning<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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When is it worth buying into the pension fund? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Buying into the pension fund is particularly worthwhile if you want to close existing pension gaps or increase your future retirement pension. At the same time, it offers tax advantages, as the amounts paid in can be deducted from taxable income. However, whether a purchase makes sense depends heavily on your personal situation. This includes, for example, the planned retirement age, the family situation or the planned date of withdrawal. The quality of the existing pension plan of the pension fund and the question of whether the regulations provide for a refund are also decisive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How do pension fund purchases affect taxes? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Payments into the pension fund can be deducted in full from taxable income in Switzerland. This often significantly reduces income tax in the year of purchase. However, it is also important to keep an eye on taxation in old age: If pension assets are later withdrawn as a lump sum, one-off capital gains tax will be payable depending on your place of residence. Forward-looking tax planning is therefore crucial in order to maximise the tax advantage of pension fund purchases.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Should I draw a pension on retirement or opt for a lump sum? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Whether you receive a lifelong pension on retirement Pension or lump-sum payment<\/a> The choice of pension fund is one of the most important decisions in pension planning. A pension offers security through regular payments until the end of your life, while a lump-sum payment means more flexibility, but also more personal responsibility. The options also differ from a tax perspective: pensions are taxed annually as income, while lump-sum withdrawals are taxed once at a reduced rate. Which option suits you better depends on your personal goals, risk tolerance and family situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I afford to take early retirement? What do I need to bear in mind? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Early retirement in Switzerland is possible in principle, but means that income is lost earlier and pension assets have to last longer. Factors such as existing assets, AHV and pension fund entitlements and the current cost of living are decisive.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I keep the house after I retire? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Owning a home in old age can provide security, but is often associated with high fixed costs, such as maintenance, mortgage interest and ancillary costs. If you plan early, you can ensure that these costs remain affordable after retirement. The amount of the mortgage also influences taxable income and assets.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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When does financial or pension planning make sense? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Pension planning is generally recommended from around the age of 45 to 50, although it is never too early to start thinking about this topic. In this phase of life, financial goals can be clearly defined, optimisation options can be examined and tax advantages can be exploited, which expands the scope for action for the future. From the age of 50 at the latest, in-depth planning makes sense in order to recognise any pension gaps and to be able to precisely assess the individual starting position.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How do I create a holistic financial plan that takes taxes, pensions, property and inheritance into account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/i><\/span>\n\t\t\t<\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Holistic financial planning combines different areas of life: income and expenditure, taxes, pension provision (AHV, pension fund, pillar 3a), property financing and estate and inheritance planning. The advantage is that interactions can be recognised at an early stage, for example how a pension fund withdrawal affects taxes or home ownership. Professional financial planning ensures that all factors interact and that you have long-term clarity about your own financial situation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

Trust that connects. Planning that works. \"Financial and pension planning - a goal without a plan is just a wish\" Anyone who has financial substance bears responsibility, not only in material terms, but also towards themselves, their family and the generations that follow. Forward-looking planning brings clarity to an environment that is becoming increasingly complex. You [...]<\/p>","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-1641","page","type-page","status-publish","hentry"],"acf":[],"publishpress_future_action":{"enabled":false,"date":"2026-05-04 17:06:17","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/1641","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/comments?post=1641"}],"version-history":[{"count":178,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/1641\/revisions"}],"predecessor-version":[{"id":7127,"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/pages\/1641\/revisions\/7127"}],"wp:attachment":[{"href":"https:\/\/finberg.ch\/en\/wp-json\/wp\/v2\/media?parent=1641"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}