Pillar 1
State pension
AHV/AVS as a foundation. Timing, contributions and expected benefits belong in the picture, not as an afterthought.
Retirement planning
Plan the life beyond work.
Retirement is a cash-flow problem disguised as an investment problem. The useful work is to connect Swiss pillars, private capital and a life that still costs money after the salary stops.
Illustrative model
A first sketch of the numbers.
Projected path
Illustrative · 3.5% p.a. assumedProjected wealth at retirement—
Potential income (illustrative)—
Planning horizon—
MarkerRetirement year
Illustrative projections only. Not financial or tax advice. The model uses a flat 3.5% annual rate, ignores inflation, tax, fees, sequence of returns and longevity. It is a conversation piece, not a plan.
Swiss context
Four layers, not one account.
Pillar 2
Occupational
Pension fund assets, conversion, lump sum versus annuity — choices that change the private portfolio’s job.
Pillar 3a
Tied private
Tax-advantaged saving with rules on contribution and withdrawal. Useful, bounded, and not a complete plan.
Private
Investments
The flexible layer: liquidity, growth and the ability to adapt when the other pillars cannot.