The most important points in brief
The AHV pension itself depends on contribution years, income and retirement age. A good financial plan also checks AHV, pension fund, 3a pillar, homeownership and taxes together so you do not plan with false assumptions. At Baeriswyl Beratungen the aim is to close these gaps and to calculate your personal withdrawal strategy neatly.
What matters is not only *how high the AHV pension roughly is*, but whether you plan your entire retirement on a solid basis. This is exactly where Baeriswyl Beratungen starts: we check the numbers against the original documents and show where planning is often too optimistic in practice.
When is a financial planning for the AHV pension worthwhile?
The service is suitable for everyone who wants to know where they stand, not just for the wealthy. It is particularly useful when AHV, pension fund, 3a, mortgage and taxes work together and the previous overview is incomplete.
Lack of preparation and lack of overview often lead to incorrect assumptions, which ultimately result in surprises and a high total cost.
What does Baeriswyl Beratungen show in practice?
From our experience, even a seemingly solid dossier from the insurer only becomes reliable when we compare the documents with the originals. For a 58-year-old employee with a home, two pension deposits totaling around CHF 200,000 disappeared in the old planning, free assets were overstated, and a reduction in the pension fund at age 63 was overlooked.
| Variant | Monthly Benefit | Additional Capital |
|---|---|---|
| Pension variant | about CHF 6'400 | no capital withdrawal |
| Mixed variant | about CHF 4'600 | CHF 530'000 |
| Capital variant | about CHF 2'700 | CHF 940'000 |
How does the comparison of withdrawal variants work?
First we clarify the starting situation with an initial interview of about 20 minutes. Then the first analysis on the platform takes about 10 minutes, the documents phase typically one to two weeks, and the actual analysis and planning another 4 to 6 weeks. After that we meet with the clients and discuss the plan. Then the real job begins. We accompany our clients and respond to changes with them. Financial planning is dynamic and not a static picture.
In my experience the bottleneck is rarely the consulting itself, but collecting and checking the documents. Therefore the path from inquiry to action plan typically takes four to eight weeks, while the meeting itself takes about 90 minutes.
| Phase | Duration |
|---|---|
| Initial consultation | about 20 minutes |
| First analysis on the platform | about 10 minutes |
| Documents phase | 1 to 2 weeks |
| Analysis and planning | 1 to 2 weeks |
| Meeting | about 90 minutes |
| Implementation | 1 to 3 months |
| Ongoing support | annually |
Which AHV decisions are especially tricky?
The most common misconception: many think first of AHV alone, although the biggest errors usually arise in the combination with pension fund and assets. For planning, not only the reference age 65 matters, but also what happens with a early withdrawal at 63 or a deferral until 70.
- Until 45 it is about setting the course.
- Between 45 and 60 the focus is optimization.
- Between 60 and 65 it is about the withdrawal strategy.
- From 65 the withdrawal phase with annual reconciliation of plan and reality counts.
What to consider in preparation
The AHV account statement takes about two weeks by mail. If you want to set up the planning properly, you should therefore obtain the documents early and not start only shortly before retirement.
Frequently asked questions
How can I tell if my AHV estimate is too optimistic?
What happens if I retire at 63 instead of 65?
How long until a clean clarification?
Why is a simple pension calculator not enough?
For most people, the problem is not the number on the pension certificate, but whether it aligns with assets, taxes and pension fund. This is precisely why a clean financial plan is sensible before you decide on a withdrawal form.
If you want to know where your pension planning stands, a structured look at the documents is worthwhile rather than relying on estimates. Baeriswyl Beratungen accompanies you with an independent review and a plan that carries through to the implementation phase.
Jetzt Ihre Finanzplanung mit Baeriswyl Beratungen prüfen
Baeriswyl Beratungen GmbH, Freiburg