Faut-il procéder à des rachats de prévoyance ?

Nous estimons qu’il n’est jamais trop tôt pour penser à prévoir sa retraite, en particulier pour les personnes qui pour différentes raisons ont peut-être eu une diminution de revenu d’activité à un moment donné ou une interruption de carrière Il est en principe intéressant au niveau économique et fiscal de procéder à un ou des rachats échelonnés sur plusieurs années, pour autant que la caisse de pension présente un taux de couverture sain et que l’état de santé et le statut familial de l’assuré plaident pour un rachat. Nous relevons aussi que si l’intéressé entend prendre tout ou partie de son avoir de vieillesse de la LPP sous forme de capital, il convient de respecter un délai de 3 ans après le dernier rachat sous peine de requalification fiscale.

Opter pour la rente ou le capital LPP ?

C’est la question fondamentale que l’on nous pose systématiquement. Cette décision, irrévocable, repose d’abord sur le type de prestations versées par la caisse de pension et doit être conditionnée par une planification de retraite minutieuse qui tiendra compte des objectifs et projets du ou de la futur(e) retraité(e), de sa capacité au risque, de son budget annuel, de sa volonté de transmission entre autre.

Connaître ses futures rentes (LPP, AVS, rentes de l’étranger, autres rentes) ?

Les extraits AVS et les certificats LPP donnent de bonnes indication sur les rentes de retraite. Nous préconisons toutefois de faire appel à un spécialiste afin d’identifier la marge de manœuvre disponible afin de les améliorer tant que l’on est en phase d’activité, tout en bénéficiant d’allégements fiscaux.

Comment se préserver contre les baisses du taux de conversion ?

Il est possible de se prémunir de la baisse des taux de conversion en améliorant son épargne retraite par des rachats d’années manquantes ou par la constitution d’un 3 ème pilier A ou encore d’un 3 ème pilier B, entre autre.

Comment conserver le même niveau de vie à la retraite ?

Une retraite bien préparée grâce au travail de planification permet dans la majorité du temps d’améliorer les prestations de retraite, de prendre les bonnes décisions le moment venu et de donner beaucoup de clarté et de visibilité sur la viabilité des éventuels projets et le maintien du train de vie dans le temps.

Comment retirer mon 2e pilier ?

La majorité des caisses de pension permettent une retraite anticipée dès 58 ans. Attention toutefois à l’imposition de sortie en cas de prise du capital, aux cotisations AVS pour personnes sans activité en cas de maintien du domicile en Suisse, et aux prestations de l’AVS qui sont en principe versées à l’atteinte des 65 ans (possibilité de l’anticiper de 2 ans). Une préparation minutieuse de la retraite anticipée grâce à une bonne planification permet de ne pas commettre de faux pas.

Master the implications of
your early retirement

Do you have questions about your early retirement plan? We combine feasibility verification and optimization to make your early retirement project possible. Our team carefully examines your current financial situation, evaluates the options available, and implements optimization strategies to ensure early retirement that is both peaceful and advantageous.

Your complete strategy towards early retirement

We understand that early retirement is not just a financial matter, but a life project with significant financial implications.

Feasibility analysis & early retirement plan

A detailed assessment of your ability to retire early, taking into account your assets, obligations and tax situation. We define with you a tailor-made retirement plan, aligned with your personal and financial objectives.

Asset allocation and investment advice

Optimize your investment portfolio for early retirement. We analyze your existing assets, advise on investment strategies adapted to your retirement objectives to ensure growth and security of your capital.

Tax planning and optimization

We examine your overall tax situation, offer personalized strategies to minimize your current and future taxation, and ensure that your investments and retirement benefit payments are tax-optimized, thereby increasing your retirement savings.

Personalized solutions for your early retirement

Financial analysis

In-depth analysis of your specific financial needs for early retirement, taking into account your life goals.

Tax advice

Tax planning and advice to reduce your taxes in retirement, taking advantage of the tax advantages still available.

Optimization of annuities & pensions

Management and optimization of your sources of retirement income, including LPP pensions and 3rd pillar pensions, for a comfortable retirement.

Asset allocation strategy

Personalized advice on optimally allocating your assets to support your retirement income goals, balancing growth, risk and liquidity.

LPP withdrawal advice

Guidance and advice on the financial and tax implications of early withdrawals from your pension funds, for informed decision-making.

Investment advice

Development of tailor-made investment strategies to support and increase your retirement income with your objectives.

The benefits of retirement planning

Benefit from a clear vision for your retirement, as well as tax and financial advantages to protect all of your assets.

Benefit from optimized taxation before and after your retirement.

Obtain a detailed analysis between annuity, capital or mixed options from a tax and wealth perspective.

Develop the best strategy for retaining your real estate property.

Identify the optimal retirement age based on your financial goals.

Find out the precise amount of your future annuities and available capital.

Are you facing many questions?

We guide you in planning your early retirement by guaranteeing you the best choices based on your profile.

Should pension buybacks be carried out?

We believe that it is never too early to think about planning for retirement, especially for people who for various reasons may have had a reduction in earned income at some point or a career break It is in principle interesting from an economic and fiscal point of view to carry out one or more buyouts spread over several years, provided that the pension fund has a healthy coverage rate and that the state of health and family status of the insured person calls for a buyout. We also note that if the person concerned intends to take all or part of their retirement assets from the LPP in the form of capital, a period of 3 years must be respected after the last redemption under penalty of tax reclassification.

Opt for annuity or LPP capital?

This is the fundamental question that we are systematically asked. This irrevocable decision is based first of all on the type of benefits paid by the pension fund and must be conditioned by careful retirement planning which will take into account the objectives and projects of the future retiree(e), their capacity for risk, its annual budget, its desire to transmit among other things.

Know your future annuities (LPP, AVS, foreign annuities, other annuities)?

AVS extracts and LPP certificates give good information on retirement pensions. However, we recommend calling on a specialist to identify the room for maneuver available in order to improve them while you are in the activity phase, while benefiting from tax relief.

How to protect yourself against drops in the conversion rate?

It is possible to protect yourself from falling conversion rates by improving your retirement savings by buying back missing years or by setting up a 3^th pillar A or even a 3^th pillar B, among others.

How to maintain the same standard of living in retirement?

A well-prepared retirement through planning work most of the time allows you to improve retirement benefits, make the right decisions when the time comes and provide a lot of clarity and visibility on the viability of possible projects and the maintenance of lifestyle over time.

How do I remove my 2nd pillar?

The majority of pension funds allow early retirement from the age of 58. Be careful, however, of the exit tax in the event of taking capital, of AVS contributions for unemployed people in the event of maintaining domicile in Switzerland, and of AVS benefits which are in principle paid upon reaching the age of 65 (possibility of anticipating it by 2 years). Careful preparation for early retirement through good planning ensures that you do not make any missteps.

Ensure your early retirement

Our expert early retirement advisors allow you to take this important step with confidence, ensuring that every aspect of your retirement is carefully planned from finances to taxation to investments for a peaceful and secure future.

When you retire, protect yourself from pitfalls

Avoid common mistakes in planning for early retirement. Our support guides you through the financial and tax complexities, protecting you against careless decisions and ensuring a stable and advantageous early retirement.

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Early retirement

Master the implications of
your early retirement