With the practical Swiss Life pension check, you can get financial clarity and planning security for the period after your retirement.
Your projected pension will be based on the benefits paid out of the three pillars: AHV/AVS (1st pillar), your pension fund (2nd pillar) and private provisions such as pillar 3a (3rd pillar). A pension calculator such as the Swiss Life pension check combines these factors and shows you how much you can expect to receive after you retire.
In many cases, AHV/AVS and pension fund benefits only cover about 60% to 70% of the income you last earned. The pension check will show you whether your pension is sufficient or whether there is a gap in coverage.
You can strategically improve your pension provisions by:
- regularly paying into your pillar 3a
- making voluntary pension fund purchases
- starting to save early
- optimising your investment strategy
Part-time employment or career breaks generally lead to lower AHV/AVS and pension fund contributions. This can significantly reduce your subsequent pension. The pension check will show what effect this will have.
Pension advice is particularly worthwhile in more complex situations, such as if you have substantial assets, are self-employed, are considering early retirement or have identified a significant gap in your pension provisions. If you are unsure how to optimise your pension provisions, a consultation may make sense.