This topic is to discuss some of the changes in pension rules and how this might impact FIRE or financial planning, including how we can benefit from the changes.
Changes
- Alignment of the reference age for women to 65 years
- Flexibility in the choice of retirement date and partial withdrawal
- Incentives to work beyond the reference age
The last one might be interesting for those of us who moved to CH and so have gaps in contribution.
The provision to allow limited partial withdrawals might offer flexibility and tax advantages.
Potential future changes in next referendum
- Reduction of the minimum conversion rate to 6%.
- Compensation for the transitional generation: A supplement payment for the first 15 transitional cohorts
- Flexible coordination deduction:
- Adjustment of retirement credits to better align the difference in contributions across various age groups.
More here on deferral and early retirement changes:
https://finpension.ch/en/partial-retirement-advantageous-for-capital-withdrawals/