Pension: lifetime security
Lifetime monthly payment at conversion rate (LPP minimum 6.8%, often 5.5-6% on overobligatory). CHF 500,000 × 6% = CHF 2,500/month for life. Fully taxed as income (up to 30%+).
Lump sum: freedom + inheritance
Lump-sum withdrawal taxed at preferential rate (3-12% by canton). CHF 500,000 in Geneva → ~CHF 35,000 tax, you keep CHF 465,000 freely. Inheritance preserved.
Optimal mix
Most advisers recommend a mix: 30-50% lump-sum + 50-70% pension. Optimises tax, combines security and freedom. Decision 1-3 years before retirement, irrevocable.
Prêt à passer à l'action ?
Lancez votre comparatif Pillar 3a personnalisé maintenant. 100% gratuit, sans démarchage, vous restez maître du processus.