{"id":9025,"date":"2025-12-03T08:17:21","date_gmt":"2025-12-03T07:17:21","guid":{"rendered":"https:\/\/pointcapital.ch\/retirement-planning-plan-today-decide-freely-tomorrow\/"},"modified":"2025-12-10T16:41:39","modified_gmt":"2025-12-10T15:41:39","slug":"retirement-planning","status":"publish","type":"post","link":"https:\/\/pointcapital.ch\/en\/retirement-planning\/","title":{"rendered":"Retirement planning: plan today, decide freely tomorrow"},"content":{"rendered":"[vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default' el_class='b-subheading']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.[\/vc_column_text][image_with_animation image_url='3540\u2033 image_size='full' max_width='100%' max_width_mobile='default' animation_type='entrance' animation='None' animation_movement_type='transform_y' hover_animation='none' alignment='' border_radius='none' box_shadow='none' image_loading='default'][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Why is retirement planning more than just retirement provision?<\/h2>\n<p>Forward-looking retirement planning and a targeted <a href=\"https:\/\/pointcapital.ch\/en\/investment-strategy\/\">investment strategy<\/a> give you financial, family and personal freedom of action. The aim is to plan today so that you can make informed decisions tomorrow.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h3>The right time to start planning<\/h3>\n<p>The best time to save for retirement is well before you retire. Plan early and protect yourself:<\/p>\n<ul>\n<li>Compound interest effect over longer periods of time<\/li>\n<li>Greater flexibility in asset management<\/li>\n<li>Tax advantages through targeted planning<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Individual life goals and financial independence: you should pay attention to this!<\/h2>\n<p>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.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h3>How much capital do I need in retirement?<\/h3>\n<p>The amount of capital you need in retirement depends on your lifestyle and your personal planning. We will analyze your situation during our <a href=\"https:\/\/pointcapital.ch\/en\/investment-advice-because-your-assets-are-at-stake\/\">investment consultation<\/a> and show you the options:<\/p>\n<ul>\n<li>monthly requirements, taking into account fixed and variable expenses<\/li>\n<li>Expected sources of income (AHV, pension fund, rents, etc.)<\/li>\n<li>Pension assets, liquidity and investment income<\/li>\n<li>Individual periods (classic retirement or longer transition phase)<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color='#f1f1f3\u2033 background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid' column_padding_type='default' gradient_type='default']<div class=\"vc_row-fluid box-element-row partner-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\"><\/p><h3 class=\"box-title\">50 tips for your financial health \u2013 even in retirement<\/h3><div class=\"box-content\">Get practical recommendations for a stable financial future, today and in retirement.<\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"custom-box-btn \" href=\"https:\/\/pointcapital.ch\/en\/contact-us\/retirement-provision-guide\/\"  ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>To the guide<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2024\/06\/Ratgeber_CTA.jpg\" width=\"100%\" alt=\"\"><\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' box_sub_title='Whitepaper' box_title='Welche Geldanlage ist die beste?' box_description='In diesem Whitepaper erfahren Sie\u2026<\/p>\n<ul>\n<li>wie es um die Rendite der einzelnen Anlageklassen bestellt ist<\/li>\n<li>warum es richtig ist, mit Aktien vorzusorgen<\/li>\n<li>warum nichts zu tun und Cash zu horten, keine Option ist<\/li>\n<\/ul>\n<p>' box_aligment='left' box_btn_link='|||' box_btn_text='Jetzt herunterladen' box_btn_bg_color='#3f4b6f' box_btn_text_color='#ffffff' box_btn_class='open-termin-popup' box_btn_pop_up='open-whitepaper' box_image='1447\u2033 box_class='whitepaper-box'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Retirement planning at Point Capital: this is how we proceed<\/h2>\n<p>Point Capital guides you step by step through the planning process. Our approach is clearly structured, comprehensible and fully aligned with your life goals.[\/vc_column_text][toggles style='default' border_radius='none'][toggle color='Extra-Color-2\u2033 heading_tag='default' heading_tag_functionality='default' title='Comprehensive analysis of your asset and pension situation'][vc_column_text css='' text_direction='default']Recording of all values such as:<\/p>\n<ul>\n<li>Income<\/li>\n<li>Pension fund<\/li>\n<li>Pillar 3a\/3b<\/li>\n<li>Vested benefits accounts<\/li>\n<li>Real estate<\/li>\n<li>Cash and cash equivalents<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='default' heading_tag_functionality='default' title='Scenario development \u2013 e.g. retirement at 63 vs. 65\u2033][vc_column_text css='' text_direction='default']Comparison of the effects on:<\/p>\n<ul>\n<li>Pension amount and capital requirement<\/li>\n<li>tax burden<\/li>\n<li>Pension gaps and financing options<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='default' heading_tag_functionality='default' title='Tax optimization and sourcing strategies'][vc_column_text css='' text_direction='default']Targeted planning of the payout sequence and timing:<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>Coordination between pension fund, pillar 3a and other sources<\/li>\n<li>Lump-sum withdrawal or pension?<\/li>\n<li>Smoothing of tax progression and reduction of pension gaps<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' bg_color='rgba(63,75,111,0.2)' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' gradient_type='default' shape_type=''][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid']<div class=\"vc_row-fluid box-element-row partner-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\">Consultation appointment<\/p><h3 class=\"box-title\">Learn more and get personal advice \u2013 free of charge and without obligation.<\/h3><div class=\"box-content\"><\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"open-termin custom-box-btn open-termin-popup\" href=\"#\"  ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Schedule an appointment now<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2021\/03\/Bild_CTA_Beratungstermin.png\" width=\"100%\" alt=\"Consultation appointment\"><\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Common mistakes in retirement planning and how to avoid them<\/h2>\n<p>Point Capital identifies critical weak points at an early stage. Our services help you avoid expensive mistakes.[\/vc_column_text][toggles style='default' border_radius='none'][toggle color='Extra-Color-2\u2033 heading_tag='default' heading_tag_functionality='default' title='Pension gaps not recognized'][vc_column_text css='' text_direction='default']Unclear income histories, incomplete pension fund data or missing contribution years generally lead to financial gaps in old age.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='default' heading_tag_functionality='default' title='Tax aspects not taken into account'][vc_column_text css='' text_direction='default']Without targeted planning, progression peaks are possible with capital withdrawals or pension income.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='default' heading_tag_functionality='default' title='No coordination of the various precautionary measures'][vc_column_text css='' text_direction='default']Inefficiencies and unnecessary risks arise when pillar 3a, pension fund and private investments are not coordinated.[\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='default' heading_tag_functionality='default' title='Lack of liquidity planning for the first years of retirement'][vc_column_text css='' text_direction='default']Financial stability immediately after retirement is at risk if there are delayed payouts and high fixed costs at the same time.[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Self-determined retirement through professional planning<\/h2>\n<p>Retirement planning including <a href=\"https:\/\/pointcapital.ch\/en\/asset-management-in-switzerland-for-greater-security\/\">asset management<\/a> 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.<\/p>\n<ul>\n<li>Clarity about capital requirements, liquidity and sources of income<\/li>\n<li>Structured planning instead of isolated individual decisions<\/li>\n<li>Coordination of all precautionary options<\/li>\n<li>independent, forward-looking solutions<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' row_position_desktop='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' flex_gap_desktop='10px' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>FAQ on retirement planning<\/h2>\n[\/vc_column_text][toggles style='default' border_radius='none'][toggle color='Extra-Color-2\u2033 heading_tag='h3\u2033 heading_tag_functionality='default' title='When should you start planning for retirement?'][vc_column_text css='' text_direction='default']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.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='h3\u2033 heading_tag_functionality='default' title='What does retirement planning with an independent advisor cost?'][vc_column_text css='' text_direction='default']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.[\/vc_column_text][vc_column_text][\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='h3\u2033 heading_tag_functionality='default' title='What does comprehensive financial retirement planning involve?'][vc_column_text css='' text_direction='default']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.[\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='h3\u2033 heading_tag_functionality='default' title='How can you make the most of your pension assets in old age?'][vc_column_text css='' text_direction='default']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.[\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='h3\u2033 heading_tag_functionality='default' title='What makes more sense: a pension or a lump-sum withdrawal?'][vc_column_text css='' text_direction='default']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 \u2013 a combination of both options may also be possible and sensible under certain circumstances.[\/vc_column_text][\/toggle][toggle color='Extra-Color-2\u2033 heading_tag='h3\u2033 heading_tag_functionality='default' title='What are the benefits of wealth planning for retirement?'][vc_column_text css='' text_direction='default']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.[\/vc_column_text][\/toggle][\/toggles][vc_raw_html 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