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Your retirement targetAre you on track?Investment options

Staying on track

Your future is probably the biggest thing you will save for, so it is good to have an idea of how much you will need.

What will your future look like?

Do you know how much you will need to live on when you retire? When deciding on your target income in retirement, you need to think about where you will be living and how you will want to be spending your time.

Set your target

  • Work out your outgoings now.
  • Think about how your spending might change when you are no longer working. For example, you might have paid off your mortgage, but you might want to spend more on holidays than you do now.
  • Adjust the value of your current outgoings to account for the way your spending will change in retirement.

This will give you a target income to aim for.

The graph below shows the role that occupational schemes play in giving you a comfortable retirement. You can find out more about these three elements of your pension on the Saving for retirement page.

% of benefits in income
Annual income in 1000 CHF
Pension shortfall
Occupational schemes
(minimum BVG solution)
Mandatory state benefits

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