Investing · Module 6

How long does
your capital last?

In retirement comes the hardest question: how do you draw down your wealth?

↘

Draw down cleverly

The danger

The sequence risk

Early losseshit the hardest

Fixed withdrawalsdangerous in crises

Bufferprotects in bad years

The solution

Safe bucketspending for the next years

→

Investment bucketkeeps growing long-term

→

Refilltop up in good years

So you never have to sell at the bottom.

Taxes

Staggeredover several tax years

Orderwhich bucket first

Progressionbreak it, don't pay it

Pension and capital

Covers fixed costs – for life, without risk.

Flexible and inheritable – for everything beyond.

SecurityFlexibilityTaxes

Good to know

💡 First step: A good withdrawal strategy unites security, return and tax optimisation – best planned years before the first withdrawal.

This video does not replace personal advice.
Baeriswyl Beratungen GmbH · Finance & pension planning · Fribourg