On average, AHV and pension fund benefits only cover 60 to 70 percent of your last earned income. If you close this pension gap in a targeted manner, you can generate additional income from your assets through a customized investment. <\/p>\n
Building additional income from assets follows a clear process: analyze needs, structure capital, manage risks. Implementing these three steps will result in a permanent additional income from your assets. <\/p>\n
The first step is to compare your monthly expenses with your guaranteed income from the AHV and pension fund. The difference gives you an overview of how much capital and what return you need for your desired income. <\/p>\n
The three-pot strategy is the basis for stable retirement planning. It protects against panic selling in times of crisis and provides the necessary liquidity. <\/p>\n
A broad diversification of assets protects against cluster risks and increases the predictability of cash flows. Point Capital combines income and growth-oriented investments. They are individually tailored to your situation. <\/p>\n
Swiss tax law offers retirees considerable room for maneuver if they wish to use assets as a pension. A well thought-out tax strategy is therefore one of the most effective levers for your disposable income. You need to know this: <\/p>\n
An entrepreneur sells his company for CHF 5 million, also has assets of CHF 400,000 saved to date and decides to withdraw CHF 600,000 of his pension fund assets. He has a personal annual income requirement in retirement of CHF 200,000. The pension benefits from the AHV and pension fund amount to around CHF 80,000 per year. This results in a pension gap of around CHF 120,000 per year. <\/p>\n
His goal is to generate additional income from his assets that will secure his desired standard of living in the long term. A structured solution is created in collaboration with Point Capital. <\/p>\n
The available capital is divided into three pots and tailored to requirements, time frame and personal risk affinity. For the growth pot, Point Capital relies on a dynamic multi-asset strategy with a large equity component. <\/p>\n
The three-pot structure provides the entrepreneur with an additional income of around CHF 250,000 per year. This allows him to maintain his accustomed standard of living and live off the income from his assets. His capital is not consumed, but actually builds up over the years. He can therefore lead a financially secure life, financed from his assets.[\/fancy_box][\/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
Many retirees weaken their financial situation through unintentional mistakes.<\/p>\n
A clear strategy will protect your assets and purchasing power in the long term.<\/p>\n
Assets only develop their full potential through a well thought-out structure. If you cleverly combine income, growth and tax optimization, you create a stable, long-term, sustainable basis for successful retirement planning<\/a>. Point Capital takes care of professional asset management<\/a>, always individually tailored to your personal situation and income requirements. <\/p>\n If you would like to use income from assets in retirement and rely on structure and expertise, you can secure additional income.[\/vc_column_text][nectar_btn size='small' button_style='regular' button_color_2='Accent-Color' icon_family='none' text='Book a consultation appointment now' url='https:\/\/pointcapital.ch\/en\/contact-us\/'][\/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 Every share portfolio must be reviewed regularly and adjusted if necessary. This is how to avoid investor mistakes. Take advantage of a professional portfolio analysis (value CHF 400 \/ EUR 350) \u2013 free of charge for you. <\/p>\n","protected":false},"author":6,"featured_media":9580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"wds_primary_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[304],"tags":[],"class_list":["post-9581","post","type-post","status-publish","format-standard","has-post-thumbnail","category-private-investors"],"acf":[],"_links":{"self":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/9581","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/comments?post=9581"}],"version-history":[{"count":2,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/9581\/revisions"}],"predecessor-version":[{"id":9583,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/9581\/revisions\/9583"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media\/9580"}],"wp:attachment":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media?parent=9581"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/categories?post=9581"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/tags?post=9581"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
FAQ: Income from assets in retirement<\/h2>\n[\/vc_column_text][toggles style='default' border_radius='none'][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='How much wealth do I need for a monthly supplementary income in retirement?'][vc_column_text css='' text_direction='default']For a monthly additional income of CHF 5,000, for example, you need assets of around CHF 1.5 million with a net return of 4 percent. Point Capital calculates your additional income based on your available assets, your investor profile and other personal factors.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='How useful is a dividend strategy for additional income from assets in retirement?'][vc_column_text css='' text_direction='default']A dividend strategy is suitable as an income component in retirement and provides predictable returns. However, the one-sided focus on dividend stocks increases the cluster risk. A balanced strategy that combines dividends with other sources of income is more attractive.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='When does it make sense to withdraw a lump sum from the pension fund?'][vc_column_text css='' text_direction='default']A lump-sum withdrawal is worthwhile if you invest the capital optimally and achieve a higher return than the implicit interest rate of the pension. There is no one-size-fits-all 'right', but rather a structured weighing up of returns, risk, taxes and life planning. Point Capital's advisors will help you to make this personal and important decision on a sound basis.[\/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][\/vc_row]\n","protected":false},"excerpt":{"rendered":"