Is your usual standard of living secure after retirement? Will your expenses continue to be covered? Careful liquidity planning reveals where action is needed and where additional optimization potential exists. A detailed budget plan provides security and gives you the opportunity to invest parts of your assets for the long term—with the aim of benefiting from higher returns.

Upon entering retirement, you will finance your living expenses from the benefits of the first, second, and third pillars. Income from AHV, pension funds, and private provisions is intended to help you maintain your current standard of living in old age.

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Housing and household expenses account for nearly 25% of total expenditures—a significant item in the budget. A budget can only serve as a reliable planning basis if it is created realistically and accurately. It is therefore essential to record all expenses regularly and completely. Next, financial changes after retirement must be assessed realistically: Which expenses will no longer apply, which need to be adjusted, and which are newly incurred? For example, work-related costs will disappear. Although the tax burden usually decreases, it remains a significant expense. At the same time, rising healthcare costs are to be expected, often accompanied by the desire to set aside additional provisions for unforeseen events.

Der durchschnittliche Schweizer Warenkorb 2024

Quelle: BFS - Landesindex der Konsumentenpreise (LIK)
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A precisely prepared budget and liquidity plan serves as a valuable benchmark. It highlights where hidden savings potential exists, where additional reserves are available, and which expenses can be completely discontinued.

Savings opportunities are often found in housing costs, taxes, and insurance. Will your current living situation still meet your needs after retirement? Can you minimize your tax burden, and have you already exhausted all optimization options? A careful analysis of your insurance coverage and premiums also often reveals additional potential savings.

For an initial, free, and non-binding informational consultation, please contact us by email at kontaktanfrage@vpz.ch or call our free VPZ hotline at 0800 822 288 to schedule an appointment directly with your advisory specialist. Comprehensive planning with foresight coordinates your situation, identifies optimization opportunities, and ensures long-term success.