Pensions made simple · Episode 21

The pension gap:
do you know your number?

Needs minus pensions = your gap. Know it, and you can close it.

The rule of thumb

50 to 70 percent – rarely more

50–70 %
of the final salary is what AHV + pension fund typically cover – the rest is your gap
The how-to

Your number in three steps

1Gather IA statement, pension certificate & 3a balances
2Estimate the retirement budget realistically
3Compare: quantify the gap per year
The time factor

Starting early pays twice

Start at 40

  • 25 years of investment horizon
  • Compound interest works for you
  • Small monthly amounts suffice

Start at 55

  • Only 10 years of horizon
  • High savings rates needed
  • Focus shifts to the withdrawal strategy
Good to know

Have your number calculated

💡 From estimate to precise plan. We calculate your gap including taxes and scenarios – and deliver the concrete action plan with it.
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This video is no substitute for personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg