Comprehensive Pension Analysis
Clarity on your retirement provision – across all three pillars
The foundation for a secure future
Swiss retirement provision is a complex system made up of three pillars: AHV (state pension), occupational pension fund, and private pension provision. Many people only know parts of their situation and overlook important connections.
With our comprehensive pension analysis, we give you a complete overview of your current situation, identify gaps, and show you concrete options for action.
Your benefits at a glance
360° overview
All three pillars in view: AHV forecast, pension fund benefits, and private provision at a glance.
Identify gaps
We calculate your pension gap and show you how much you'll be missing in retirement.
Leverage potential
Identification of unused pension fund buy-ins, pillar 3a optimizations, and more.
Clear strategy
Concrete recommendations with priorities and a timeline.
Tax advantages
Highlighting tax optimization opportunities through smart use of retirement provision.
Personal advice
Individual analysis by experienced pension experts.
In-depth knowledge
What does the pension analysis include?
A comprehensive pension analysis begins with the systematic collection of all relevant information. We gather your AHV statements, pension fund certificates, pillar 3a documents, and other records.
We then analyze the data in the context of your personal situation: age, income, marital status, planned retirement age, and expectations for your standard of living. The result is a comprehensive picture of your pension situation with concrete recommendations for action.
The three pillars in detail
The 1st pillar (AHV/IV) forms the foundation of retirement provision. We check your contribution gaps, calculate your expected pension, and optimize the timing of your withdrawal.
The 2nd pillar (occupational pension fund) is often the largest block of assets. We analyze your benefits, check buy-in options, and optimize your investment strategy.
The 3rd pillar (private provision) offers the greatest flexibility. We review your pillar 3a accounts, recommend optimal staggering, and develop investment strategies.
Calculating your pension gap
The pension gap is the difference between your desired standard of living and your expected pension benefits. For a realistic calculation, we take into account: current AHV forecasts based on your contribution history, occupational pension fund benefits (pension and/or lump sum), existing private provision, expected inflation, and cost of living.
The result shows you exactly how much additional wealth you need to build up to maintain your standard of living.
Identifying optimization potential
Almost every pension situation has untapped potential. Typical examples include: unused pillar 3a contributions, open pension fund buy-in options, suboptimal investment strategies within the pension fund, lack of coordination between the pillars, and unfavorable withdrawal planning.
We identify this potential and quantify the financial benefit, so you can make well-informed decisions.
Avoid common mistakes
These are the mistakes we see most often in practice
No regular review
Your pension situation changes with job changes, salary increases, and life changes. Without regular review, gaps arise.
Looking at the pillars in isolation
AHV, occupational pension fund, and pillar 3 must be planned in a coordinated way. Isolated optimization often leads to suboptimal overall results.
Overlooking contribution gaps
Missing AHV contributions lead to permanent pension reductions. These should be paid retroactively in time.
Not using pension fund buy-ins
Many people have buy-in potential in their pension fund that they don't use – giving away tax advantages.
Checklist: your next steps
What you can do right now
Frequently asked questions about Comprehensive Pension Analysis
Answers to the most important questions
Related topics
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