What if you were covered... half without knowing it?

Marc, 42 years old, runs an architecture firm in Lausanne. He makes a good living, has two children, a mortgage, and thinks everything is fine on the financial security side. Then one day, his advisor shows him that if he became disabled tomorrow, his family would have to live on less than CHF 4,000 per month. Barely half of his current income.

How is this possible, when he contributes every month to the AHV and his pension fund?

Welcome to the little-known – but fundamental – world of Swiss pensions.

What is a pension analysis?

A snapshot of your financial security in hard times.

The pension analysis is a comprehensive assessment of your situation in the event of death, disability, or retirement. In simple terms, the question is: "If life goes off the rails, are you (really) protected?"

It is based on the study of the three pillars:

• 1st pillar (AHV/IV): minimum living standard guaranteed by the state.

  
  

• 2nd pillar (BVG): mandatory occupational savings.

  
  

• 3rd pillar: private insurance, optional but often essential.

Why is it essential, even when everything seems fine?

Because gaps are more common than one might think.

Many executives or freelancers believe their situation is "comfortable". But in reality:

• The replacement income in case of disability rarely covers more than 60% of the income.

  
  

• At retirement, the coverage rate often falls below 50%.

  
  

• In the event of death, the survivor's pension may be insufficient to maintain the household's standard of living.

A pension analysis reveals these gaps, numbers to support.

What a good pension analysis includes

1. Your projected benefits

We simulate your situation in the three critical scenarios: disability, death, retirement.

2. Your personal gaps

We compare your rights with your real needs, according to your lifestyle, your expenses, your plans.

3. Concrete and tailored solutions

• Optimal allocation between the 2nd and 3rd pillar

  
  

• Choice of the right insurance product

  
  

• Associated tax optimization

  
  

• Recommendations on life insurance, BVG buybacks, or wealth management

Real benefits

More security, less uncertainty.

Thanks to this analysis:

• You protect your loved ones (spouse pensions, child coverage)

  
  

• You take control of your financial future

  
  

• You optimize your taxes while building up your wealth

A concrete example: Sophie, 39 years old, freelancer

Sophie is a freelance graphic designer in Neuchâtel. After a pension analysis, she discovers:

• No disability coverage via the BVG

  
  

• Retirement estimated at CHF 1,900 per month: insufficient to live decently

  
  

• No protection for her children should she pass away

Result: setup of a 3rd pillar A with risk insurance, opening of a 3rd pillar B as a supplement, and retirement planning with partial buybacks in a BVG for freelancers. She sleeps better since.

How to carry out your pension analysis?

With a professional… or a tool, but never alone.

Calculators exist for a first approach. But only a guided analysis provides a detailed understanding of your situation, tailored to your life goals.

Have a specialist accompany you, not the first insurance salesman who comes along.

Conclusion: an essential step not to be postponed

Not having your pension analysis done is like crossing a bridge with your eyes closed. You don’t know if it’s solid… until it collapses.

Take the time, do it once and for all. For yourself. For your family. For tomorrow.