With retirement planning from Point Capital, you can create clarity and security for your future. Thanks to structured wealth planning for retirement, you are already laying the foundations for financial freedom in old age. Invest in reliability, foresight and planning that is tailored to your life.
Why is retirement planning more than just retirement provision?
Forward-looking retirement planning and a targeted investment strategy give you financial, family and personal freedom of action. The aim is to plan today so that you can make informed decisions tomorrow.
The right time to start planning
The best time to save for retirement is well before you retire. Plan early and protect yourself:
- Compound interest effect over longer periods of time
- Greater flexibility in asset management
- Tax advantages through targeted planning
Individual life goals and financial independence: you should pay attention to this!
Financial retirement planning is closely linked to your personal goals. Point Capital develops solutions that are precisely tailored to your ideas of freedom, security and quality of life.
How much capital do I need in retirement?
The amount of capital you need in retirement depends on your lifestyle and your personal planning. We will analyze your situation during our investment consultation and show you the options:
- monthly requirements, taking into account fixed and variable expenses
- Expected sources of income (AHV, pension fund, rents, etc.)
- Pension assets, liquidity and investment income
- Individual periods (classic retirement or longer transition phase)
50 tips for your financial health – even in retirement
To the guide
Retirement planning at Point Capital: this is how we proceed
Point Capital guides you step by step through the planning process. Our approach is clearly structured, comprehensible and fully aligned with your life goals.
Comprehensive analysis of your asset and pension situation
Recording of all values such as:
- Income
- Pension fund
- Pillar 3a/3b
- Vested benefits accounts
- Real estate
- Cash and cash equivalents
Scenario development - e.g. retirement at 63 vs. 65
Comparison of the effects on:
- Pension amount and capital requirement
- tax burden
- Pension gaps and financing options
Tax optimization and sourcing strategies
Targeted planning of the payout sequence and timing:
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- Coordination between pension fund, pillar 3a and other sources
- Lump-sum withdrawal or pension?
- Smoothing of tax progression and reduction of pension gaps
Consultation appointment
Learn more and get personal advice – free of charge and without obligation.
Schedule an appointment now
Common mistakes in retirement planning and how to avoid them
Point Capital identifies critical weak points at an early stage. Our services help you avoid expensive mistakes.
Pension gaps not recognized
Unclear income histories, incomplete pension fund data or missing contribution years generally lead to financial gaps in old age.
Tax aspects not taken into account
Without targeted planning, progression peaks are possible with capital withdrawals or pension income.
No coordination of the various precautionary measures
Inefficiencies and unnecessary risks arise when pillar 3a, pension fund and private investments are not coordinated.
Lack of liquidity planning for the first years of retirement
Financial stability immediately after retirement is at risk if there are delayed payouts and high fixed costs at the same time.
Self-determined retirement through professional planning
Retirement planning including asset management from Point Capital offers you security, regardless of whether you want to build up, protect or invest your assets in a targeted manner. Our concepts are individual, comprehensible and tailored to your personal life situation.
- Clarity about capital requirements, liquidity and sources of income
- Structured planning instead of isolated individual decisions
- Coordination of all precautionary options
- independent, forward-looking solutions
FAQ on retirement planning
When should you start planning for retirement?
Start planning your retirement as early as possible, but no later than the age of 50. The scope for asset accumulation, tax optimization and individual planning is greater if you start earlier. Private pension solutions such as pillar 3a or real estate investments are also relevant and can be planned for the long term.
What does retirement planning with an independent advisor cost?
Depending on the complexity, the cost at Point Capital is usually between CHF 1,000 and CHF 2,000. Our serious advice includes, among other things, an analysis of the pension situation, comparisons of the various options and tax optimization strategies. The important thing is that the quality of your planning influences your financial security in old age.
What does comprehensive financial retirement planning involve?
Financial retirement planning consists of an analysis of all assets, sources of income and expenses in old age. This also includes taxes, liquidity reserves and withdrawal plans. The aim is to secure your standard of living and use the available funds strategically.
How can you make the most of your pension assets in old age?
You can withdraw your pension assets in the form of a lump sum or pension as required. Professional advice from Point Capital helps you to develop payout strategies that remain flexible for you and avoid unnecessary tax burdens. Staggering withdrawals is also a tried and tested method.
What makes more sense: a pension or a lump-sum withdrawal?
Whether a pension or a lump-sum withdrawal makes more sense depends largely on your personal situation and your needs. A pension offers lifelong, predictable income and reduces the longevity risk. A lump-sum withdrawal creates more flexibility and opportunities for investment, but requires more personal responsibility. Point Capital analyzes your individual starting position, goals and preferences and makes a tailored recommendation based on this – a combination of both options may also be possible and sensible under certain circumstances.
What are the benefits of wealth planning for retirement?
Retirement planning gives you an overview of your financial situation in old age and ensures that you remain liquid in the long term. Risks can be minimized and individual life goals can be better implemented. Planning is particularly important in phases such as early retirement or when care is required.
