Retirement planning · Module 14

Pension, capital
or mix?

This decision is made once – and stays with you throughout retirement.

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The big decision
Two poles

Pension or capital

Pension

Lifelong, secure and predictable – but rigid.

Capital

Flexible and inheritable – but the risk is with you.

SecurityFlexibilityInheritance
For the pension

When it fits

Securitypredictable to the end
Long lifethen especially valuable
No effortno own management
For the capital

When it fits

Flexiblefreely available
Inheritablestays in the family
Requirementbase costs covered
Often the answer

The combination

Pensionfor the fixed costs
Capitalfor flexibility
Mixsecurity plus freedom
Good to know

How do you draw right?

💡 First step: Pension, capital or mix – the right choice hangs on your health, your wealth and your family. Because it's usually irreversible, the analysis pays off.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg

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