The Real Cost of lack of Information: What Swiss Complexity is costing you
These official statistics show why independent and honest planning is no longer an option.
The Cost of Lack of Information
(Lost and Forgotten Funds)
Forgotten OASI and occupational pension (LPP/BVG) assets
Dormant funds in the Substitute Occupational Benefit Institution
%
Eligible retirees not claiming their Supplementary Benefitsres
The Silent Threat (Fees and Inflation)
%
Loss of Purchasing Power over 25 years due to Inflation
Average direct Fees paid over 20 years
%
Average Annual Fees charged by occupational pension funds (LPP/BVG)
Direct fees average 2’200.- per year (300 bank charges, 600 3A management fees, 500 LPP management fees, 800.- banking, real estate, and index transaction fees).
In 10 years, you give the equivalent of a car to institutions. In 40 years, you give them a small apartment.
What if we changed that?
The Pension Planning Traps (Costly Mistakes)
%
Future capital reduction by starting the 3rd pillar at age 35 instead of 25
Average deductible LPP/BVG buy-ins from taxable income
Difference in Annual Pension with an optimized Conversion rate
The Myth of Real Estate and the Human Risk
The maximum OASI pension is insufficient to cover the cost of housing and living without additional assets.
%
Single persons aged 65+ living below the poverty line.
The complexity of the system is not your friend.
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