Retirement & Pension Planning in Geneva
A well-considered plan brings financial security and real tax efficiency to your retirement.
Retirement in Switzerland rests on the three-pillar system, and how you combine state provision, occupational pensions and private savings shapes both your future income and your tax bill. We help you plan across all three pillars so that your retirement is secure and tax-efficient. Try our free Pillar 3a tax-savings calculator to estimate what your contribution could save you this year.
The decisions that shape a Swiss retirement — whether to take your 2nd pillar as capital or a pension, when to draw each 3a account, and whether pension-fund buy-ins make sense — are largely irreversible and heavily tax-driven. We model the options for your situation so you choose with the full picture in view.
Provided by Domony Fiduciaire et Régie Ltd, part of the Sussland Group of Companies.
What we offer
Retirement planning
A carefully considered plan that secures your financial future and optimises taxes for your retirement.
Three-pillar strategy
Coordination of state (pillar 1), occupational (pillar 2) and private (pillar 3) provision.
Pillar 3a and 3b guidance
Advice on which private-pension vehicle fits your goals, horizon and tax situation.
Capital vs pension decisions
Support with the choices — lump-sum withdrawal, buy-ins and timing — that carry lasting tax consequences.
Frequently asked questions
What is the difference between pillar 3a and 3b?
Pillar 3a is tied private pension saving with annual tax deductions and withdrawal restrictions; pillar 3b is flexible, unrestricted saving without the same tax deduction. The right mix depends on your goals and horizon.
Can pension planning reduce my taxes?
Yes. Pillar 3a contributions and well-timed pillar 2 buy-ins can meaningfully lower taxable income, while the timing of withdrawals affects the tax due on your capital.
When should I start retirement planning?
Ideally ten to fifteen years before retirement, when buy-ins, 3a staggering and withdrawal timing still have room to work. That said, meaningful optimisation is still possible closer to retirement.
Should I take my 2nd pillar as a lump sum or a pension?
It depends on your health, other income, need for flexibility and transmission goals. We quantify both routes — including the tax on a lump sum — so the choice is made on numbers, not guesswork.
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