Financial downsides of early retirement

[capmac]

@PhilMongoose

Also, my case is simple as I’m already maxxed out so I can just focus on minimizing my AHV contributions.

Based on the current maximum AHV pension of CHF 2450 per month, I assume. Which translates to a required average salary of CHF 88’200 over 44 years.

However at 65, when you want to claim the AHV pension, the average salary will be higher, because the maximum AHV pension has increased. In 15 years plus I expect it to be closer to 100’000. Impact of inflation.

[PhilMongoose]

Yes, based on 88k a few years ago I worked out I could earn a negative salary. As you say, the 88k number will increase with inflation, but since then, I also worked a few more years and wealth based AHV payments will also be a non-zero number.