As you slowly approach retirement, you start to think about how you want to organize your life in the future. It’s not uncommon for your current living situation to no longer really fit in with your plans for this well-earned period of retirement. For example, because you would rather go on regular trips and take part in cultural events than continue to spend a lot of your free time in a garden that requires a lot of effort to maintain – a nice apartment in Horgen would suit you much better than the big house. Someone else might prefer to move out of the practical attic apartment near Thalwil station and into a property with a garden just outside the town center, where they can have some peace and quiet and the grandchildren can come over to play. Or you might be looking for a nice vacation apartment in Graub\u00fcnden so that you can spend your newfound free time actively. Everyone has their own wishes that they want to fulfill. The good news is: with a clear idea and timely preparation, the chances of success are good. <\/p>\n
Path to the goal: early withdrawal of BVG assets<\/strong><\/p>\n When you retire, you can have part of your accumulated retirement capital paid out. Depending on the pension fund, this is often 25 percent or more. With some pension funds, you can even withdraw all of it. Now comes the big but: there are always application deadlines for this early withdrawal, which can be up to three years. If you miss this deadline, you can no longer insist on a payout. It is therefore advisable to clarify your options a few years before you retire. <\/p>\n More attractive than a pension for tax purposes<\/strong><\/p>\n And this is independent of the remaining income tax rate. This tax rate is regulated at cantonal level and is significantly lower in the canton of Graub\u00fcnden than in other cantons.<\/p>\n If you opt for a monthly retirement pension, this is taxed as income on an ongoing basis, which can lead to an accumulated tax burden over the years. A one-off early withdrawal of BVG retirement capital for owner-occupied residential property, on the other hand, means that the capital is subject to income tax once in the year of payment. However, there are a few points to bear in mind. In addition, the actual amount of tax depends on the canton of residence. When deciding between a pension and early withdrawal, we recommend individual tax and financial planning, ideally in collaboration with pension fund and real estate experts, to ensure the long-term affordability of the property purchase. <\/p>\n A good decision even in old age<\/strong><\/p>\n Anyone who is in a comfortable position and already owns their own home and can sell the property for this step or pass it on to the next generation, or who is not dependent on the full monthly BVG pension, is therefore free to decide what they want to do with their own capital. Buying a property can therefore be well worthwhile. After all, homeowners not only have advantages in terms of taxes, they also always have the certainty of a secure investment and the priceless pleasure of being able to enjoy life within their own four walls for as long as they want. <\/p>\n Good planning is almost a winner<\/strong><\/p>\n Since not only the early withdrawal of BVG assets needs to be well planned, but also the search for a suitable property and perhaps the sale of an existing property takes time, it is advisable to consult a specialist at an early stage.<\/p>\n We will be happy to advise you on your living situation.<\/p><\/p>\n When you retire from working life, your housing requirements often change. Thanks to the possibility of early withdrawal from the pension fund, retirement is therefore a good time to take a closer look at buying a property that is ideally suited to the new stage of your life. There are also good financial reasons for taking this step. <\/p>\n","protected":false},"author":27,"featured_media":12086,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[383,751,726],"tags":[],"class_list":["post-62472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-real-estate","category-real-estate-knowledge"],"acf":[],"jetpack_featured_media_url":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web.jpg","featured_image_data":{"title":"shutterstock_1732206496_web","url":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web.jpg","width":1920,"height":1280,"srcset":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web-400x400.jpg 400w, https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web-600x600.jpg 600w, https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web-768x512.jpg 768w, https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web-1536x1024.jpg 1536w, https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web-1600x1067.jpg 1600w","sizes":"(max-width:400px) 400px, (max-width:600px) 600px, (max-width:768px) 768px, (max-width:1536px) 1536px, (max-width:1600px) 1600px","type":"image\/jpeg"},"featured_image_url":"https:\/\/www.ginesta.ch\/wp-content\/uploads\/shutterstock_1732206496_web.jpg","readingTime":4,"_links":{"self":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts\/62472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/comments?post=62472"}],"version-history":[{"count":7,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts\/62472\/revisions"}],"predecessor-version":[{"id":132257,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/posts\/62472\/revisions\/132257"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/media\/12086"}],"wp:attachment":[{"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/media?parent=62472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/categories?post=62472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ginesta.ch\/en\/wp-json\/wp\/v2\/tags?post=62472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}