Asset organization

How can you organize your assets profitably?

With business succession or retirement, income and assets change. Measures should be considered and planned from the age of 50.

When you retire, your income and assets change. How can I keep an overview?

Analyze your financial situation for the third stage of your life at an early stage and plan for it as far as possible. A pension analysis and pension and liquidity planning will provide you with the necessary information and give you security.

Who will take over my asset management in the event of a sudden incapacity to act?

We recommend that you draw up an advance care directive. In this, you can appoint a pension representative who will be responsible for looking after your assets. If you become incapable of judgment due to illness or an accident, this person will be responsible for managing your assets.

What financial changes will I face in the third stage of my life?

As a rule, regular income after retirement is up to 50 percent lower than during working life. Any existing property, securities or an expected inheritance will improve the monthly income.

Should I restructure my assets during my lifetime?

In certain constellations, it makes sense to structure the assets during your lifetime in order to minimize the potential for conflict in the subsequent division under inheritance law. This ensures that ongoing tasks (e.g. property maintenance) are fulfilled. You also clarify any division or equalization issues among the heirs in advance.

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Michèle Vogel

Senior Consultant Private and Occupational Provision, Financial Planning Advisory, Payroll and Personnel Administration

Swiss Certified Social Insurance Expert