Retirement Planning in Switzerland – On Equal Footing
Plan the retirement
you deserve.
Are you saving enough for retirement in Switzerland? Use our retirement calculator below to see how much your monthly savings could grow by the time you retire.
Adjust the sliders to estimate your future savings and check whether you're on track. Then, we'll help you build a pension plan that gets you there.
Calculate your retirement savings.
A Swiss savings account (0.75%) would leave you with CHF 514,606. A classic wealth manager (3.5%) gets you to roughly CHF 1,019,405. The difference isn't luck — the goal is structure and cost control.
Growth comparison
FIN vs. classic strategies.
Make your retirement plan work for you.
With FIN, you get a personalised pension strategy built around your goals — not a generic template. Let's start the conversation.
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How we get there.
The 6% target isn't magic. It's what's left when you strip the costs that drag classic wealth managers down.
- 01
Globally diversified
Mostly passive — no expensive products.
- 02
Direct holdings
No hidden retrocessions or performance fees.
- 03
Swiss tax-efficient
Pillar 3a, deductions, targeted pension fund buy-ins, dividend strategy.
A classic wealth manager typically keeps 1.0–1.5% of your portfolio in fees every year. Over 30 years that compounds to roughly a third of your wealth — the invisible loss that explains the 3.5% line on the chart.
FIN Investment Philosophy
The Core-Satellite Strategy:
Stability meets
targeted returns
Strategy
-
Your Foundation
The core of your investment. Here, we capture the global market return in a broadly diversified and highly cost-efficient manner.
- 01
Income Strategy
Focus on quality companies with strong cash flows and growing dividends. Your building block for steady income and stability during volatile market phases.
- 02
Trend & Momentum
Active strategies that leverage proven market dynamics. A selective exposure with the clear goal of generating excess returns against the broader market.
- 03
Derivatives & Hedging
Precise risk management. We deliberately use derivatives to hedge against extreme risks (tail risks) — strictly for capital protection and never for speculative bets.
- 04
Private Equity
The exclusive asset class at the top of the pyramid. A long-term investment that is illiquid, but perfectly diversifies your portfolio through uncorrelated returns outside the public markets.
- 05
Thematic Sectors
Invest in your convictions. Whether Artificial Intelligence, Climate Tech, or Healthcare Innovation — we select the megatrends that perfectly align with your risk profile.
Plan the retirement you deserve
Smart retirement planning is key to building long-term financial security in Switzerland. The earlier you start saving and investing through the Swiss pension scheme, the more you can benefit from tax advantages and compound growth.
FIN helps you define your retirement goals and build a personalised pension strategy — from early planning to optimisation later in life.
Tax strategy for retirement
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Swiss tax planning plays a key role in maximising your retirement savings.
FIN helps you optimise your tax strategy so you can keep more of your money while staying fully compliant with Swiss regulations.
Pension planning
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Retirement planning in Switzerland is about creating clarity and confidence for your financial future.
FIN helps you make informed decisions at every stage of life, so you can look forward to retirement with peace of mind. Our retirement planning includes:
Strategies to ensure long-term financial security, pension analysis, retirement income planning, and social security optimisation.
Investment strategy for retirement
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Building wealth for retirement requires a clear, long-term investment strategy.
FIN helps you invest with purpose, using proven strategies tailored to your goals, timeline, and risk profile.
We focus not on short-term returns, but on building the financial foundation for your future lifestyle.
Swiss pension scheme
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Ever wondered how the Swiss pension scheme works, or how you can make the most of your retirement planning?
We explain how the Swiss three-pillar pension model works and show you practical ways to strengthen your retirement plan based on your goals and lifestyle.
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Financial advisory that fits you
Modular services, transparent pricing. Every advisory starts with a free initial consultation.
Investment Strategy
Build and protect your portfolio — with strategy, structure, and long-term perspective.
- — Portfolio analysis & review
- — ETF & fund selection
- — Risk profiling
- — Rebalancing strategy
- — Ongoing advisory check-ins
Investment Strategy
Conservative allocation
Illustrative conservative split across asset classes.
Pension & Insurance Analysis
A real sense of confidence and trust — pillars 1, 2 and 3 reviewed end-to-end.
- — Comprehensive 3-pillar analysis
- — Avoid over- and under-insurance
- — Investment strategy alignment
- — Action plan & roadmap
- — Tax optimisation
Pension & Insurance Analysis
Your 3 pillars at a glance
Coverage vs. target income — gaps become visible and actionable.
Pension Planning
From early planning to optimization — we prepare you for what's ahead.
- — Three-pillar analysis
- — Pillar 3a optimization
- — Pension fund buy-in strategy
- — Early retirement scenarios
- — Lump-sum vs. annuity comparison
Pension Planning
Retirement capital path
Accumulation until 65, then drawdown — scenarios modelled for you.
Property & Financing
Tailored strategies for ambitious dreams. We tell you everything the banks won't.
- — Affordability analysis
- — Mortgage comparison & negotiation
- — Tax impact simulation
- — Amortization strategy
- — Renovation & maintenance planning
Property & Financing
Financing structure
20% equity, 80% mortgage — plus monthly cost breakdown.