Pension or OPA lump sum

Before this can be decided, several factors must be taken into account, which are very individual for each person. However, it is undisputed that it pays to plan carefully and at an early stage before giving up gainful employment.

In order to save taxes, withdrawals from the 2nd and 3rd pillars must be staggered optimally. Planning should take place at least five years before retirement. Lump-sum payments are taxed differently in the cantons and it is always worth consulting one of our tax experts.

Yes, this is possible, as most pension funds provide for a beneficiary for the life partner. After prior clarification with the pension fund, the beneficiary must be notified in writing.