Retirement & Children's Savings
for your future and your children's
Kids cost a lot of money – even more depending on their education. At the same time, you can't forget your own retirement planning. We show you how to do both.
Why retirement planning matters doubly for families
As parents, you have two jobs: saving for your kids AND thinking about your own future. It's doable – with the right strategy.
Time is your greatest ally: 18 years of compound interest makes a huge difference.
University often means moving out, own apartment, living costs – it adds up fast.
Kids cost on average CHF 300,000 until adulthood – excluding education.
And what about your own retirement? Kids cost money – the pension fund often falls behind.
We help you balance both – without overextending you financially.
What many families get wrong:
"We just save in a savings account."
At current interest rates, inflation erodes your purchasing power every year. There are better ways.
"Saving for the kids takes priority over our own retirement."
Understandable, but risky. Your own coverage protects the whole family – including the kids.
"We have life insurance – that's enough."
A single policy rarely covers all risks. A full overview shows where the gaps are.
"We still have the pension fund."
The pension fund covers only about 60% of your last income. Without pillar 3, a big gap remains.
We show you the path to optimal retirement provision – for the whole family.
What you really need
No complicated products – just what makes sense for your family:
Clear savings goals for the family
What do you want to achieve and when? We help you define realistic goals.
The right pillar 3 for parents and children
Tax-optimized retirement savings – despite ongoing family expenses.
A suitable investment strategy
With a 10+ year horizon, there are better options than a savings account.
Prioritizing goals
What comes first? Children's savings or your own retirement? We help you weigh it up.
We'll find the solution together that fits your family.
How we support you – step by step
From the first question to the finished solution.
Initial consultation: your starting point
What do you already have? What are your goals for your kids and yourselves?
Analysis & calculation
We calculate your retirement gaps and the optimal savings amount for both goals.
Concrete recommendation
You get a clear plan: savings amount, provider, strategy – all explained.
Easy implementation
We support you through implementation – and adjust as things change.
What you'll know after the consultation
You'll have clarity on:
How much of an emergency reserve your family should have at minimum
How to optimally save for retirement despite family costs
Which tax benefits you can use
Whether your current retirement mix is sufficient
What concrete next steps you should take
In short: you have a clear plan for your family's financial future.
Part-time – what does it mean for your budget and pension?
Try out different workload splits: what's left net, and what happens to your pension fund?
Compare two or three workload models at a glance.
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Frequently asked questions about family retirement planning
Personal consultation
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Start your family retirement planning now
Let's find out together how you can save optimally for the future.
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