The money you will have in retirement is linked to the money you saved during your working life and your income and expenditure during retirement.
It is important to have an overview of your expenses during retirement.
Contrary to popular belief, your expenses in the earlier years of retirement could actually go UP, rather than go down.
Your expenditure could include health insurance, leisure, home repair/maintenance costs. Remember, these costs can increase each year, too.
Your expected income will often come from your pensions and other savings.
Your Swiss pension is made up of your Pillar 1 (State Pension, AVS / AHV) and Pillar 2 (workplace pension).
You can receive a Pillar 1 pension estimate from the Swiss Compensation Office.
You should have been provided with valuations each year in January as to the value of your Pillar 2. These assets can be withdrawn as a lump sum, an annuity (income), or as a mix of both.
Once you have looked over your Pillar 1 and 2, this is where your Pillar 3a and other savings or investments come in.
Look to your assets such as your Pillar 3a, real estate, cash savings, and more.
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Please note that all content within this response has been prepared for information purposes only. This response does not constitute financial, legal or tax advice. Always ensure you speak to a regulated Financial Adviser before making any financial decisions.