Retirement should be a time of peace and freedom – not uncertainty. But many people ask themselves: How much money should I save for old age? Are my reserves really enough to fulfill my wishes after my working life?
The answer: if you start thinking about saving for old age at an early stage, you will gain more than just interest in the long term – namely security, self-determination and scope for planning. After all, stable assets in old age don't just fall from the sky, but are the result of smart, forward-looking decisions.
Why is saving for old age more important today than ever?
The statutory pension scheme in Switzerland – i.e. AHV and pension fund – provides basic security. However, it often only covers part of the standard of living to which people are accustomed. People with higher incomes, part-time jobs or longer career breaks in particular feel a noticeable pension gap in old age.
An overview of some of the key challenges:
- Demographic change increases pressure on state systems
- Falling interest income makes it difficult to build up capital using traditional savings models
- Longer retirement phases require higher reserves
- Inflation reduces the purchasing power of retirement capital
Saving for old age is therefore not a nice-to-have, but a strategic necessity. Starting early gives you more stability and freedom – regardless of political developments.
How much money should you save for old age?
It is advisable to plan for around 80% to 90% of your usual net income as monthly retirement income. If you want to maintain your standard of living and remain financially independent, you should start early with a structured pension strategy.
Sample calculation:
With a monthly income of CHF 15,000 net, this results in a target value of CHF 12,000 to 13,500 per month for the retirement period. Assuming a retirement of 20 years, this results in a capital requirement of around CHF 3 to 3.2 million – minus the expected benefits from the AHV and pension fund.
The remaining gap should be closed by private pension instruments – structured, controlled and tailored to your individual life planning.
When should you start saving for old age?
The earlier, the better. Because if you save early, you have to put less aside each month and benefit from the compound interest effect over the years.
Example:
| Start of savings | Monthly savings installment (for CHF 500′000 over 30 years) |
| At the age of 30 | approx. 800 CHF |
| At the age of 40 | approx. 1′500 CHF |
| At the age of 50 | approx. 3′000 CHF |
An early start means more peace of mind and a lower monthly burden. If you start late, you have to plan more consistently and invest more.
Why is traditional saving often not enough?
Traditional savings accounts hardly offer any interest these days. What's more, inflation is causing purchasing power to be lost. A capital of CHF 100,000 today may only be worth around CHF 70,000 in real terms in 20 years' time – depending on the inflation rate.
Today, saving safely means structuring in a targeted manner.
At Point Capital, we deliberately avoid standard solutions. Instead, we rely on individually tailored portfolio strategies that are geared to your personal time horizon and security requirements.
Targeted wealth accumulation in old age – this is how it works
Well-thought-out retirement capital is not based on chance or hope, but on structured planning.
Key success factors:
- Clear target definition: How high should your retirement income be?
- Realistic calculation: consideration of inflation, life expectancy, expenses
- Structured capital accumulation: Steadily building up a portfolio of high-quality securities
- Flexibility in the payout phase: maximum customizable capital availability in retirement
Those who save securely and individually today will benefit from more room for maneuver later on – whether for travel, support for relatives or long-term care insurance.
What influences retirement income?
In addition to the amount saved and the investment period, there are other aspects that have a decisive influence on retirement income:
| Influencing factor | Significance for retirement provision |
| Employment history | Gaps reduce AHV and pension fund benefits |
| Investment horizon | The longer, the more stable capital can be developed |
| Asset structure | Qualitative securities bring long-term stability |
| Tax structuring | Early planning reduces later burdens |
| State of health | Can strongly influence costs in old age |
Individual provision instead of standard solutions
Many people fall back on ready-made models – but these investment solutions take little account of their personal life situation. At Point Capital, we focus on individual investment strategies, not off-the-shelf products.
Your advantages:
- Clear structure – from start to payout
- Personal support instead of an anonymous platform
- Transparent reports and comprehensible decisions
- Long-term development with strategic vision
Saving today means a self-determined life tomorrow
Saving for old age is not an issue for later – but a decision for more freedom, security and quality of life. With the right strategy, you can build up solid assets in old age – step by step, but with foresight.
Whether you are just starting out or want to structure your existing pension provision:
Now is the right time.
FAQ on the topic of saving for old age
What is the best way to save for old age?
The most effective way to save for old age is to build up capital early, regularly and in a structured manner. A clear savings plan, tailored to your life situation and goals, creates the basis for a financially carefree life. The earlier you start, the lower the monthly burden – and the greater the scope you will have later on.
Where can I save money in everyday life?
You can save money by consciously structuring and regularly reviewing your expenditure. Typical savings potential lies in recurring costs such as subscriptions, insurance or energy tariffs. If you set priorities and avoid unnecessary expenditure, you create scope for long-term savings.
Should you leave your money in the bank?
Simply leaving money in your account does not protect you from losing purchasing power – on the contrary. Low interest rates and rising inflation mean that the real value of your assets decreases year on year. If you want to maintain or increase your assets, you should invest your capital in a structured way and with a clear strategy.
What is a good savings rate?
A savings ratio of 10 to 20 % of monthly net income is generally regarded as a solid basis for long-term wealth accumulation. This figure can vary depending on the phase of life and your goal – the key is to save regularly and consistently. Even small, continuous amounts have a big impact over time.
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