Pension Planning Review
Your personal insurance evolves with your life. A professional, family, or financial change can have a significant impact on your coverage and your future income.
We review your situation to give you a clear picture of where you stand today and what that means for your future. Retirement, income protection, coverage for your loved ones, or savings: we put the numbers into perspective against your goals and show you exactly where you stand and what steps would make sense.
Receive a full report on your pension situation, along with tailored recommendations to optimize your retirement benefits and risk coverage.
Why Get a Pension Review?
Benefits of a Pension Review
Global Overview of Your Future Income
The analysis takes into account your current and projected benefits from the 1st, 2nd, and 3rd pillars, as well as your vested benefits. You thus obtain a complete overview of your rights and the amounts to which you will be entitled upon retirement.
Identifying Financial Gaps and Discrepancies
We identify any gaps between your financial needs and your projected benefits in order to determine the steps needed to supplement your income and secure your retirement.
Personalized Recommendations and Follow-Up
Based on the results, we propose concrete solutions tailored to your profile, including adjustments to your contributions, additional investments, or optimization of your existing assets, with ongoing monitoring to ensure their effective implementation.
How Does a Pension Review Work?
Comprehensive Analysis of the Pillars
We review your current and projected benefits across the 1st, 2nd, and 3rd pillars, as well as any vested benefits assets you may hold. This review gives you a complete picture of your situation.
Identifying Gaps to Be Addressed
We identify any gaps between your financial needs and your projected benefits. This helps determine what additional steps are needed to secure your retirement.
Personalized Recommendations
Based on the results of the analysis, we propose concrete solutions tailored to your profile: adjustments to contribution amounts, buybacks, additional investments, or optimization of your existing assets.
Monitoring and Support
We support you after the analysis to implement the recommended solutions and adjust your choices over time. This follow-up ensures that your contingency plan remains suitable.
What Does a Pension Review Include?
A comprehensive retirement planning analysis is much more than just a calculation of your future pension. It is an in-depth assessment of your current and projected financial situation, covering all of your future protection and income needs.
Comprehensive Assessment of Your Three Pillars
The review begins with a detailed examination of your 1st pillar. We check your individual AVS/OASI account to identify any missing contribution years and calculate your future benefits — whether for retirement, disability, or survivors' benefits in the event of death.
The 2nd pillar receives particular attention. Using your pension certificate, we review your accumulated capital, project how it will grow through to retirement, and assess your benefits in the event of disability or death. We also identify your potential for voluntary buy-ins and inventory any vested benefits assets you may hold.
For the 3rd pillar:, we'll review your existing private retirement plans. Pillar 3a and Pillar 3b, supplemental investments: We analyze their performance and identify opportunities for tax optimization.
Projection of Your Future Income
The review projects your income under different scenarios. Retirement at the ordinary age, or early or deferred retirement: we calculate precisely what you'll receive each month in each case. We also compare the annuity versus lump-sum option for your 2nd pillar, taking into account the tax impact and your personal situation.
This projection allows you to see in concrete terms whether your future income will cover your actual needs or whether there is a a gap to be filled.
Analysis of Your Risk Coverage
Beyond retirement, we assess your protection in the event of a hard knock in life. What would happen if you could no longer work due to illness or an accident? We calculate your disability benefits from the 1st, 2nd, and 3rd pillars, as well as from any supplementary insurance you may hold.
In the event of your death, we determine what capital and pensions your loved ones would be entitled to. This review also covers the crucial question of housing: could your family keep up mortgage payments or rent if you were no longer there?
Identifying Gaps and an Action Plan
Once all this data has been gathered, we pinpoint exactly where your pension gaps lie. This might be a shortfall between your future income and your needs, insufficient disability coverage, missing contribution years, or untapped opportunities for tax optimization.
On this basis, we put together a personalized action plan. Should you make buy-ins to your pension fund? Increase your 3rd pillar contributions? Take out supplementary insurance? We prioritize each measure based on its impact and urgency, and propose a realistic timeline for putting it into action.
The Review Report: Your Roadmap
At the end of the review, you receive a comprehensive written report summarizing all these elements. This document includes an overview of your current situation across all three pillars, detailed projections for different scenarios, and — most importantly — concrete, quantified recommendations to optimize your pension planning.
This report becomes your roadmap for the years ahead. It helps you make informed decisions about your contributions, your investments, and your strategy for transitioning into retirement.
Regulatory Framework and Quality of Advice
At Invexa, our advice operates within a regulated and recognized framework in Switzerland.
- Insurance intermediaries registered with FINMA
- Client advisers according to FIDLEG registered with ARIF
- Compliance with Swiss regulatory requirements
This ensures high standards of advice, transparency, and compliance.
Frequently Asked Questions
What Is a Pension Review?
It's a comprehensive assessment of your benefits across the 1st, 2nd, and 3rd pillars, as well as any vested benefits assets, to help you understand your future income and identify any gaps that need addressing.
Why Is This Review Important?
It lets you anticipate your financial needs in retirement, secure your assets, and make informed decisions to supplement your future income if needed.
What Documents Do I Need to Provide?
Salary certificates, tax returns, pension fund statements, OASI individual account extract, provident fund certificates, and any document related to your occupational benefit assets or contributions to the 2nd and 3rd pillars.
How long does the analysis take?
Depending on the complexity of your situation and the documents already in your possession, the analysis may take a few days to a few weeks. We provide you with a clear report at the end of the process.
What does the final report include?
The report is a comprehensive plan presenting projections of your 1st, 2nd, and 3rd pillar benefits in the event of disability and old age. Solutions may also be proposed to cover any gaps.
Can I get support after the analysis?
Yes, we offer follow-up support to help you implement the recommendations, adjust your contributions, and monitor the evolution of your provident plan over time.
From what age should I carry out a provident fund analysis?
There's no set age, but it's recommended to get your first review around age 25–30, once your contributions to the 2nd pillar and 3rd pillar products start to accumulate significantly.
A regular analysis every 3 to 5 years is also recommended to adjust your contributions and investments according to the evolution of your career, your income, and your retirement goals.
The sooner you start, the less effort it will take to fill in the gaps.
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