Programmatic page
Retire at 65 in Switzerland
Use this page as a decision checklist: what you gain/lose, what to verify, and which calculators to run.
Not financial or tax advice.
What changes when you retire at 65?
AVS/AHV
Earlier retirement can reduce the pension; later retirement can increase it. Use the AVS/AHV estimate to sanity-check scenarios.
2nd pillar (BVG/LPP)
Key levers: contribution years, conversion rate, capital vs annuity and investment return.
Cashflow
Check your monthly gap: required spending minus pensions and other income.
Risk & horizon
The earlier you retire, the more longevity/inflation risk matters.
Quick checklist
- Run the retirement projection (capital + indicative annuity).
- Estimate AVS/AHV with your contribution years and income.
- Validate assumptions (return, conversion rate, inflation).
- Compare scenarios: retire at 65 vs 67.