With no relocation to manage, the risk is never reviewing your cover again. Here are the pillars of a complete wealth strategy, at every stage of your working life.
Targeted LPP buy-backs in the years before retirement, the choice between capital and pension at departure, and planning the staggering of 3rd pillar withdrawals over several tax years.
Structuring the 3rd pillar with explicit beneficiary designation, anticipating cantonal inheritance tax, and consistency between the various pension contracts and the marital regime.
Checking combined death/disability cover across the 2nd and 3rd pillars, and its fit with current family commitments (mortgage, dependent children).
A deductible or insurance model chosen 10 or 15 years ago rarely still matches your current health and lifestyle.
The stability trap: without a triggering event (arrival, change of permit), many Swiss citizens keep the same health fund, the same pension strategy and the same tax structure for decades, while their personal situation has changed considerably.
At retirement, the choice between taking the LPP capital or a lifetime pension has lasting tax and wealth consequences. Capital offers more flexibility and control but transfers longevity risk to the beneficiary; a pension guarantees a stable income for life with no management risk, but without passing on the remaining capital in the event of early death (depending on the options chosen).
A wealth strategy is built over time, not in a single decision. We offer a regular, free review to adjust your strategy at every stage of your professional and family life.
An initial review from age 50-55 lets you adjust your LPP buy-back and 3rd pillar strategy accordingly, well before the final decision.
No, a default order of beneficiaries applies under the contract; explicitly naming a beneficiary avoids ambiguity and speeds up payment in the event of death.
Get a full review of your wealth strategy
Request my wealth review →