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In Switzerland, you can choose whether to retire before or after the regular retirement age. This has an impact on the total amount of the payments that you will receive after retiring.

Instead of keeping your savings tied to your bank account, you can invest them into various assets, such as stocks and cryptocurrencies. You can simulate the annual returns of such investments here.

With this slider, you can see how increases in your yearly income affect your future pensions savings.

Your savings in the 2nd pillar are securely saved in pension funds, which are subject to strict government requirements. Pension funds often invest this money in low-risk investments with a stable yearly return of 1–1.5%.

Although your savings in the 3rd pillar are generally left untouched until your retirement, a few banks offer the opportunity to invest them into various avenues and funds to receive a yearly return.