Retirement Planning

The current public trend is to enjoy today at the expense of planning for the future. Saving for your retirement is key to achieving your financial independence.

Your adviser works with you or your organisation to determine the right retirement strategy and plan for you.

We can help you by assessing your current assets and building a portfolio that will provide a suitable level of income for retirement.


Plan today to help sustain your lifestyle in retirement.

  • However you plan to spend your time in retirement it’s important you have a financial plan. Without one, your financial security and personal satisfaction during retirement is at risk.

  • Ensure you have sufficient income to enjoy the extra time you will have. Whether you dream of travelling the world or enjoying new sports and pastimes, or just to spend quality time with the family, create a personalised retirement plan to realise your dreams today. 

  • Ensure you have the financial security during your retirement to afford any bills or unexpected costs you may incur.

  • Do you have previous pension plans which need reviewing, or even consolidating into one easy to manage plan? We can help identify these for you and in cooperation with licensed and authorised pension specialists, review their current values and performance and recommend how best to manage them going forward.

  • If you want to create a retirement plan or review your existing plans, Contact Us, today to schedule a free, no obligation, consultation with one of our experienced financial advisers.

​      Synergi have specialised in expatriate retirement planning for over 20 years.

Key Benefits:

  • Tax Efficiency: We help you save into the most tax efficient and suitable plans available in your country of residence.

  • Flexibility: You can alter your contributions, add lump sums and alter your investment strategy.

  • Portability: Your plan can move with you if you change location and/or jobs.

  • Choice: A huge choice of blue chip managed funds and fund managers is available to meet a variety of risk / reward profiles.

  • Quality: High standard customer service.

Retirement schemes are essential in planning for your retirement. You still need money to pay bills whilst still maintaining the lifestyle you’ve become accustomed to.

It’s essential you start planning early on in your career. Even if your current employer provide a pension scheme, in many cases it’s wise to take out additional plans to ensure that your retirement years are as stress free as possible.

One method of saving for you retirement is called ‘planned savings’ and is recognised as the most effective way to reach your retirement needs and goals.

We offer regular premium or single premium investment plans. If you would like to increase your investment, or switch funds we can select from a comprehensive range of investment funds

The Swiss Pension Pillars

Overview :

In Switzerland, retirement pensions are based around a 3 Pillar concept with each Pillar providing a different level of benefit.

This is a very basic overview and it is important you obtain quality professional advice based on your specific circumstances and your timeframe for living in Switzerland.

For a free 1 hour without obligation consultation with a Swiss Pension specialist please ring our swiss office on +41 (0) 43 818 7030 to arrange a mutually convenient appointment.

 Pillar 1

This is the basic state pension and is mandatory and covers the basic old age pension, disability benefit and unemployment benefits.  It is very basic and will not support you fully in retirement.

Pillar 2

Occupational pension plans which are mandatory for all employees.  The pension is designed to maintain an average living standard on retirement but this is subject to how many years you have lived/intend to live in Switzerland and where you plan to retire.

Pillar 3

Private pension provision for long term savings which is split into 2 options 3a & 3b:

3a-contributions are tax deductible up to a maximum of 6,826 CHF (employed) or 20% of net earned income max 34128 CHF (self- employed) but access is restricted pre- retirement.

3b– unrestricted contributions are allowed and, in most circumstances, capital is available anytime.

There are various products available via the Pillar 3 and it is essential quality professional advice is sought to ensure the most appropriate product is adopted for your specific circumstances

Leaving Switzerland?

If you are leaving Switzerland or planning to leave in the next 12 months and it is essential, you obtain quality professional advice regarding the implications for each part of your Swiss retirement pension based on your specific circumstances and where you are relocating to.

For a free 1 hour without obligation consultation with a Swiss Pension specialist please ring our swiss office on +41 (0) 43 818 7030 to arrange a mutually convenient appointment,