Retirement is prepared well before the statutory age. Understanding your three pillars and filling your gaps in time makes all the difference to your future income.
On their own, the 1st and 2nd pillars rarely cover more than 60% of your final salary. The 3rd pillar and buy-backs serve to fill this gap.
The earlier you start, the lighter the savings effort. A few years can sometimes noticeably change your retirement income.
We produce a clear pension review: what you'll receive, the gap with your current standard of living, and the concrete levers (3rd pillar, LPP buy-backs) to close it.
As early as possible, but it's never too late. Even ten years from retirement, well-managed buy-backs and a 3rd pillar have a real impact.
At retirement, the AVS and LPP together generally cover about 60% of your final salary. To maintain your standard of living, you therefore need to fill a gap that can amount to several hundred francs a month. The higher your income, the wider this gap, because the AVS is capped.
A pension review quantifies your future income and the savings effort needed, year after year. It's the starting point of any effective strategy.
It depends on your situation: the pension offers lifelong security, the lump sum flexibility and the ability to pass it on. A mixed approach is often wisest; we calculate the optimal balance.
We analyse your situation and guide you to the best decision.
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