Guide
Choosing your retirement age in Switzerland
A practical framework to choose your retirement age: what changes, what to measure, and which levers matter most.
Not financial or tax advice.
1) Define your target cashflow
Start from a monthly budget: essential spending, lifestyle, and a buffer. Then map it to stable income (pensions) and flexible income (capital withdrawals).
2) Compare scenarios (58–70)
Don’t search for the “perfect” age. Compare 2–3 ages and observe how sensitive your plan is to return, inflation and conversion rate.
Use the age hub to quickly open pages and keep a consistent checklist.
3) Validate the 2nd pillar levers
Conversion rate, insured salary, buy-ins, and capital vs annuity are the biggest practical levers.