Retirement planning · Module 14

Retire
earlier?

The wish is widespread – but every year earlier costs several times over.

◎

The price of freedom

The AHV

Lifelong reduction

Early drawlifelong reduction

Keep payingcontributions until reference age

Otherwisegaps loom

The pension fund

Missing yearsthe last ones are valuable

Conversion ratelower if drawn early

Pensiondrops twice over

The bridge

Bridgeuntil the first AHV pension

Sourcescapital or bridging pension

Planfill the gap deliberately

And the taxes

Capital withdrawaldrives up the tax

Staggerbreaks the progression

Planningsaves noticeably

Good to know

💡 First step: Early retirement is a fine goal – but a costly one. Only an honest calculation shows whether and from when it's bearable for you.

This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg