December 2022
The year is coming to an end. It is time to look back and decide what you want for next year and the years to come. We are here to help you set up everything you need in order to make your projects a reality.

This month, we are covering:

  • How to plan for your early retirement
  • The questions to ask yourself to move forward with your acquisition project
  • A client talks about his experience with Resolve

How do I take early retirement in Switzerland?

“Retirement” and “early”: two words which, once said in tandem, represent a dream for a lot of us! To make this dream a reality, it’s best to be aware of the facts and get planning all the details as soon as possible.
How old do you have to be to retire?

Both the 1st and 2nd pillar allow for early retirement, but according to different rules.

The 1st pillar (old-age and survivors’ pensions, known as ‘AVS’)

The reference age for taking retirement in Switzerland is 65. If you don’t want to wait until you’re 65 to retire, you can start collecting your AVS pension a full 1 or 2 years earlier, at 63 years of age at the earliest. What’s more, the AVS reform, scheduled to enter into force in 2024, will allow people to start collecting just a part of their pension early, an amount somewhere between 20 and 80%, and to save the rest for later, facilitating a gradual transition into retired life. 

The 2nd pillar (occupational pensions, known as ‘LPP’)

It’s possible that the regulations in place for your pension fund allow early retirement with the early payout of benefits, but at the age of 58 at the earliest, as stipulated by Swiss pension law (LPP).

How much does it cost to retire early?

  Read the full article

8 questions to ask yourself for your acquisition project in 2023
Buying a property is an ambitious and exciting project but unfortunately it comes with a lot of questions and uncertainties. In addition, these uncertainties may be heightened at the moment due to the recent increases in interest rates. In this article, we’ll talk about what questions you should ask yourself and how to answer them so that you can move forward with your project with peace of mind.

Difficulties in obtaining a mortgage in Switzerland
Nathalie and her husband decided to buy a property in Switzerland and found themselves faced with a mortgage application process that was completely different to what they were used to and a lot of new terms that they were unfamiliar with. Luckily, they were able to rely on the support of their Resolve advisor who explained everything to them and helped them complete their construction project.

Find out more

Reform of inheritance law

The new Swiss law on inheritance comes into effect on 1 January 2023. The main changes include a reduction in hereditary reserves, giving you greater freedom to arrange your estate. Our financial planning department is at your disposal to explain how the reform will affect your personal situation.

Make an appointment 

How much can you borrow?

Use our mortgage simulator to quickly calculate your borrowing power, debt-to-income ratio, loan-to-value ratio, cost and monthly payments on your loan for your real estate project in Switzerland.

An entire team at your service
Drawing on all of their skills, our specialist financial, pension planning and financial planning advisors will respond to your requirements and help you find the best solutions.
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