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RM Solutions
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RETIREMENT PLANNING

Your retirement starts today.

Estimate your retirement income and see what can be improved. AVS, pension fund, 3rd pillar: we help you close the gap before it is too late.

Estimate my retirement Book an appointment

WHY PLAN AHEAD

The earlier you start, the more choices you have.

A smiling retiree holds a fishing rod and his catch on a boat, with the Geneva Jet d’eau in the background

In retirement, income often drops noticeably compared with your last salary. What seems far away at 40 is largely decided well before.

The Swiss system rests on three pillars: AVS, the pension fund and private provision, each with its own rules and tax advantages.

Our role: review your actual situation, spot the gaps (missing contribution years, possible buy-ins, unused 3rd pillar) and propose suitable options.

Three pillars, one goal

1

1st pillar – AVS

Compulsory basic insurance that covers essential living needs.

2

2nd pillar – Pension fund

Employment-linked provision that complements the AVS. Self-employed people are not required to join.

3

3rd pillar – Personal savings

Individual savings: tied 3rd pillar (3a), tax-deductible within legal limits, and flexible 3rd pillar (3b).

Estimate your retirement

A few questions, a result in seconds. Nothing is stored: the calculation runs in your browser.

Advanced options

See your pension certificate. Otherwise, estimated at the legal minimum.

Your estimate

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OUR APPROACH

A clear review before any decision

  1. 01

    Analysis of your situation

  2. 02

    Scenario simulations (early retirement, deferral, buy-ins)

  3. 03

    Tailored recommendations

3a

Save today to decide tomorrow

Contributions to the tied 3rd pillar (3a) are deductible from taxable income, within legal limits. Let’s see whether it makes sense for you.

Estimate my retirement
Advisor explaining financial charts to a client on two monitors in an office overlooking the lake

Review your retirement planning.

A simple conversation to see where you stand.

Book an appointment