So you can enjoy your retirement without worry

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Thomas: Pension planning has it all. Well, we got some tips today. The two hours were well invested. Now is the time to work out the details and make a decision. With all the possibilities and scenarios for our retirement, I must first sit and think.

Sandra: that’s right. Above all, I’m glad we both have solid pension fund assets. And through a purchase, we can even expand that.

Thomas: Yes, that’s right: the assets from the second pillar are a great source of support. Going back to work after the kids was the right decision. With the payout, we can afford some pretty nice things after retirement. Traveling, for example, or remodeling the kitchen here at home.

Sandra: Wait, who said we withdraw my retirement savings as a lump sum and not as an annual consideration? And while we’re talking about the kitchen: I found the consultant’s suggestion that I should address this with an early retirement fund withdrawal more exciting. Apparently, this will also have tax advantages.

Thomas: Yes exactly. Taxes, that’s what I was getting. We have to pay full pension income tax from the pension fund every year. In addition, economists warn that from devaluation, the pension will suddenly not go far enough. Well, I want to take part of the money I have from the pension fund as capital and then invest it.

Sandra: But do you have an eye on our future fixed costs? We need about 120 thousand francs a year. And we still have a 600,000 franc mortgage on our house. We must bear that in mind.

Thomas: Yes, that’s why I want to pay: to travel with you as I used to. Today, of course, it can be a little more comfortable. But my point is: We pay pension taxes every year. The one-time tax is reduced on capital withdrawal.

Sandra: As per the advice, a good mix of pension and capital withdrawal can also make sense. If we also arrange capital and column 3a withdrawals over several years, then we can save more tax.

2 hours well

Retirement planning means that you are aware of your retirement needs and goals and derive your financial needs from them. In three steps, along with pension experts, you can lay the groundwork for your retirement without worry:

• The first step is to understand your personal desires and financial goals for the future.
• We then analyze how long-term income, assets and tax burden have evolved and how this affects your goals.
• Based on these findings, UBS works with you to develop a tailored pension strategy and concrete action plan.

In short: UBS offers you individual financial planning and retirement that allows you to sleep peacefully before and after retirement.

UBS Pension Advice for Complex Financial Situations: Make the Right Judgments.

Retirement planning means that you are aware of your retirement needs and goals and derive your financial needs from them. In three steps, along with pension experts, you can lay the groundwork for your retirement without worry:

• The first step is to understand your personal desires and financial goals for the future.
• We then analyze how long-term income, assets and tax burden have evolved and how this affects your goals.
• Based on these findings, UBS works with you to develop a tailored pension strategy and concrete action plan.

In short: UBS offers you individual financial planning and retirement that allows you to sleep peacefully before and after retirement.

UBS Pension Advice for Complex Financial Situations: Make the Right Judgments.

Thomas: Well, let our consultant prepare a personalized proposal for us. We should be able to cover the running expenses out without any problems.

Sandra: Exactly, the pension expert listed the scenarios for us today. Leaving the home and vacation apartment aside, we have an AHV pension and pension fund, as well as several Pillar 3A accounts, stock investments and life insurance.

Thomas: And pay the capital?

Sandra: We integrate it into the hybrid solution for pension and capital withdrawal. With the pension we pay the monthly bills. With a lump sum payment, we are complementing our existing tailor-made concept of wealth. This way we ensure that we always have enough during our lives, even if we need to travel again or have more health expenses.

Thomas: Health care costs, a good point. I was actually surprised that post-retirement spending doesn’t drop as dramatically as you might think.

Sandra: This is exactly why good planning is so important. And there may still be something we can invest with a long-term investment horizon. This makes Severin or Valerie happy when we are no longer there.

Thomas: But Severin was awarded a National Trust PhD scholarship in climate change. And Valerie is navigating well in a windy career as Head of Communications.

Sandra: Have you already forgotten that you’re going to be serious in six months? Your grandson may also want to study at a reputable university or start a company. I like to put something aside for that.

Thomas: Behold, another argument for withdrawing the lump sum: in the event of death, our grandchildren or heirs are entitled to it, but not to the pension. But well, I guess we can fit that into the pension/lump sum mix… It’s amazing how time passes. Sometimes I’m really afraid we won’t have enough time.

Sandra: You can always stop working early.

Thomas: early retirement? No thank you! I remain very excited about the implementation of the strategic reorganization of my division. Additionally, I don’t want to take any losses with my AHV. And in the pension fund, the highest contributions of the past 10 years have been paid.

Sandra: You don’t have to stop completely. But with partial retirement, you can still get the maximum AHV pension because you keep making contributions, the advisor said today.

Thomas: You’re right, a part-time model would be conceivable. So I won’t be away from work from day to day. I have to read the regulations for my retirement fund to find out what options are available to me for stage pay.

Sandra: I agree. With all the information we return to the consultant and implement the plan. I am happy when everything is ready and she takes care of the details. Then we can relax and look forward to retirement.

*Names changed

Submitted by partner

This post was created by Ringier Brand Studio on behalf of the customer. The content is journalistically prepared and meets Ringier’s quality requirements.

Contact: Email Brand Studio

This post was created by Ringier Brand Studio on behalf of the customer. The content is journalistically prepared and meets Ringier’s quality requirements.

Contact: Email Brand Studio

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