Luckily enough, we are living longer and longer,but this is also exactly why our statutory pension system is coming under increasing pressure. Benefits and conditions of both the first pillar (state-run pension scheme) and the second pillar (occupational pension scheme) will continue to change in future, with ensuing adjustments to benefits. Due to the fact that today people on average are living as long again after the work process, many questions concerning individual and private retirement planning inevitably arise. Only timely clarification of your entitlement to benefits can show realistically how the future will look like.

Many people find the topic of retirement provision complex and difficult to understand. It is often assumed that in Switzerland one is automatically well protected, but this sense of security can be deceptive. The statutory pension system (1st and 2nd pillar) is in many cases not sufficient to maintain one’s accustomed standard of living in the event of disability, death, or retirement. This is why it is important to strengthen private pension provision at an early stage and to close potential gaps. Banks and insurance companies offer a wide range of solutions. However, the variety of products makes it difficult to keep an overview and to choose the right strategy. The differences in price and performance are significant. Independent, holistic advice helps to take tax, legal, and financial aspects into account in the best possible way.

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As holistic yet completely independent advisors, we support you from the very beginning. VPZ provides straightforward, tailored assistance designed specifically for you.