Many people don't think about private pension provision and their financial security in old age until it's too late – often too late. However, if you act early, you will have a secure retirement provision and a financially carefree life in the long term.
Especially in times of volatile markets, increasing life expectancy and declining statutory pension entitlements, private pension provision is becoming increasingly important. But what pension options are there? How can you build up long-term capital without getting lost in the maze of financial products?
Why is private provision so important today?
For many people, the statutory pension alone is no longer enough to maintain their accustomed standard of living in old age. In addition, interest rate policy, geopolitical uncertainties and economic upheaval make it difficult to plan reliably for the long term.
What that means in concrete terms:
- Falling pension levels due to demographic change
- Longer phases of retirement that need to be covered financially
- Inflation, which reduces the real value of savings
In short, anyone who relies exclusively on state benefits is taking a risk. A private pension offers the necessary supplement – individual, controlled and plannable.
Independent pension provision: consciously taking responsibility
Whether you are self-employed, employed or in the family phase – your retirement provision should be as individual as your life.
The self-employed in particular are often not integrated into the statutory pension system and must therefore take full responsibility for their own investments. However, even employees should not rely on statutory payments being sufficient.
What sets independent pension provision apart:
| Advantage | Description |
| High flexibility | You decide the timing, amount and form of investment yourself |
| Individual strategy | Your life planning determines the design of your pension provision |
| No dependence on the state | Independence from political reforms and constraints |
| Opportunities for attractive returns | Capital can be used profitably in the long term |
What is the best retirement provision?
There is no one-size-fits-all answer. Because what 'best' means always depends on your life situation, your goals and your willingness to take risks.
The key is not to find a product – but a holistic solution that fits your asset structure and your time horizon to enable you to save for retirement.
Possible components of a private pension strategy:
- Long-term investment for retirement provision with a clear focus on stability
- Risk-conscious portfolio structuring
- Consideration of tax framework conditions
- Staggered capital planning for different phases of life
Good to know: Point Capital focuses on individual, actively managed asset solutions such as quality shares – not standard products.
Private pension provision: options at a glance
In the following overview, we show you what you should look out for in your private pension provision – and which aspects are often underestimated:
| Criterion | Why it is important |
| Investment horizon | The longer the period, the more targeted the investment can be |
| Liquidity | A balanced structure enables availability at all times |
| Inflation protection | Real preservation of capital value over decades |
| Tax optimization | Use of allowances and efficient forms of investment |
| Flexibility in the payout | Adaptability to changing life circumstances |
How can you make secure retirement provisions?
Security does not come from standing still – but from structured management. The aim is to create lasting value with your capital without being unsettled by short-term fluctuations.
The basis for a secure pension plan is an individual concept based on experience, market knowledge and qualitative analysis. The important thing is:
- No promises of excess returns
- No product dependency
- No standardized strategies
Point Capital focuses on personal asset management, transparent processes and co-investment: our interests are aligned with yours – because we believe in the strategies we develop and live them ourselves.
Your path to private pension provision
Do you want to plan your retirement provision strategically while retaining control? The first step is to be clear about your goals. An individual analysis of your financial situation and your future wishes is essential.
What you can expect from us:
- Personal support at eye level
- Long-term planning taking into account your life phases
- Transparent structuring of your pension provision
- No sales pressure, but cooperation based on partnership
Providing for the future is both a responsibility and an opportunity
A well-structured, private pension plan means more than just building up reserves. It creates the basis for a financially carefree life – plannable today, effective tomorrow.
After all, those who make responsible provisions can also act independently and in a self-determined manner in later phases of life – without compromise.
Let us design your private pension provision together – professionally, securely and with foresight.
FAQs on the topic of private pension provision
What is a pension gap?
A pension gap arises when the benefits from the AHV and pension fund are not sufficient to cover the accustomed standard of living in old age. It mainly affects people in employment with higher incomes, the self-employed or people with interrupted employment histories. Anyone who does not close this gap in good time must expect financial restrictions in retirement.
What options are there for retirement provision?
Old-age provision includes state pension provision (AHV), occupational pension provision (pension fund) and private pension provision. The latter includes individual investment solutions that are specifically geared towards long-term capital accumulation. The decisive factor is a coordinated strategy that takes into account personal goals, time frame and risk profile.
What is the difference between AHV and pension fund?
The AHV is the state's basic provision for old age, while the pension fund supplements this with an occupational pension. While the AHV is financed by all employees depending on their income, the pension fund is based on an individual savings account with contributions from employers and employees. Together they form the first two pillars of the Swiss pension system.
Does asset management make sense?
The AHV is the state's basic provision for old age, while the pension fund supplements this with an occupational pension. While the AHV is financed by all employees depending on their income, the pension fund is based on an individual savings account with contributions from employers and employees. Together they form the first two pillars of the Swiss pension system.
When should you start saving for retirement?
The earlier the better – ideally with your first regular income. Early retirement provision takes advantage of the compound interest effect and creates more scope for long-term capital growth. If you start early, you can build up solid pension assets even with moderate contributions.
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