Anyone retiring at 65 today has, on average, 21.7 years of life ahead of them. In 1948, when the AHV (Swiss old-age and survivors’ insurance) was introduced, it was just 13. Savings therefore now have to last for two to three decades without any earned income.
The new PensInsight magazine guides you through every stage of life, from your first years of contributions to well beyond retirement age. Each stage shows which pension decisions are coming up and why they should be made at exactly that point. Many options only open up within a certain window, and once it has closed, there is no catching up later.
Each stage of life has three elements: a common misconception, a checklist of points worth reviewing, and the matching solutions from PensExpert.
The misconceptions are pitfalls to avoid. “At 25, pensions aren’t an issue yet.” “Getting married takes care of pension planning automatically.” “As a successful entrepreneur, I’m well covered by default.” “I’ll decide shortly before retirement how to draw my pension assets.” Each of these statements sounds plausible, and each one can prove costly one day.
Behind every article is a person from our team. That’s no coincidence. At a time when so much is automated, we firmly believe that retirement planning is a matter of trust and needs someone on the other side who listens.
Prefer paper? Order the printed edition for free at marketing@pens-expert.ch.
