Early retirement

The most important point is to clarify whether early retirement is financially feasible.

Those who take early retirement give up their gainful employment completely. In contrast, in the case of partial retirement, the workload is merely reduced, e.g. from 100 to 80 or 60 percent.

Order an AHV pension forecast. The compensation office will inform you of the expected AHV pension. You will also see the expected retirement capital and the expected retirement pension on your pension certificate from the pension fund. Add the income from your assets (e.g. property(ies), securities) to your income. Call us if you would like a comprehensive overview.

To answer this question, the individual circumstances must be examined in detail. As the pension benefits are likely to be lower than the income earned to date, lower income tax will be payable. However, the AHV contribution obligation continues until the normal reference age is reached. If the contribution obligation is not fulfilled by salary contributions or the spouse, contributions must be paid for those not in gainful employment. Depending on pension income and assets, these range from CHF 514 to CHF 25,700 per year and person, excluding administrative costs.