Blog
Know-how on early retirement
The bridge phase, pensions and taxes — the mechanics of Swiss early retirement, clearly explained.
Pensionskasse
7 min
Pensionskasse: capital, pension or a mix?
When you draw your Pensionskasse you decide, once, between a lifelong pension, capital — or a mix. The choice shapes taxes, flexibility and security for the rest of your life.
23 June 2026
AHV
6 min
AHV contributions for the non-employed: the underestimated cost of early retirement
Stop working and you still pay AHV — based on wealth. For wealthy early retirees that can be up to CHF 26,500 per person per year.
16 June 2026
Taxes
5 min
Drawing Säule 3a in stages: how to break the tax progression
The lump-sum withdrawal tax is progressive and is calculated each year on the total withdrawal. Closing several 3a accounts in different years costs significantly less.
09 June 2026
Basics
6 min
The bridge phase: the gap between early retirement and your pension
Stop working before 58–65 and you have to bridge a gap before Säule 3a, Pensionskasse and AHV kick in. What this bridge phase costs — and how much capital it really takes.
02 June 2026