Pension or BVG lump sum

The decision depends on several factors. One thing is clear: it pays to plan your retirement early and carefully.

To ensure that the money from the 2nd and 3rd pillars can be optimally staggered, planning should begin at least 5 years before retirement. As lump-sum payments are taxed differently in the cantons, it is worth consulting one of our tax experts.

Many pension funds provide for a beneficiary for the life partner. However, this must be clarified individually with the pension fund and the beneficiary must be notified in writing.