Plan Your Retirement with an Accurate Analysis Tool
In Switzerland, preparing for retirement is a priority for many, but how do you know if your savings will be sufficient? With our Retirement Gap Analyzer, you get a clear picture of your future financial situation. This intuitive tool guides you to estimate your long-term needs and identify possible gaps in your pension plan.
Why anticipate now?
Swiss pension systems, with all three pillars, offer a solid foundation, but they do not always cover all needs. Between inflation, increased life expectancy, and unexpected expenses, it's easy to underestimate what it will take to maintain your standard of living. An accurate calculation of your current funds compared to future projections can make all the difference.
Solutions at your fingertips
If a gap appears, don't worry: options such as strengthening your 3rd pillar or adjusting your projects can fill this void. Becoming aware of your situation is the first step in taking action. Try our tool today and secure your financial future with confidence!
FAQs
How does the tool calculate my retirement needs?
Our Retirement Gap Analyzer takes into account several key factors. First, we look at your current age, the age at which you want to retire, and your expected monthly expenses. Next, we estimate the average life expectancy in Switzerland and we adjust for inflation, in order to calculate the total amount you will need. This is compared to your current savings and the expected payments from the pension pillars. The result? A clear estimate of what's missing, if that's the case.
What should I do if I discover a gap in my savings?
Don't panic! If the tool shows a discrepancy, it offers you concrete ways to remedy it. For example, you could increase your contributions to the 3rd pillar, which offers tax advantages in Switzerland. Or consider working a few more years if feasible. The important thing is to act early: even small adjustments today can make a big difference tomorrow. You can also consult a financial advisor for more personalized options.
Is this tool suitable for all profiles in Switzerland?
Yes, absolutely! Whether you are an employee, self-employed, or with a mix of income, our tool adapts. It takes into account the specificities of the Swiss system, such as the three pillars of pension provision (AVS, LPP, and private savings). No matter where you are in your career, it gives you a realistic picture of where you stand. Of course, if you have income or very complex situations, supplementing with an expert can be useful.
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