What are the advantages and disadvantages of a retirement pension or a capital withdrawal?

If you withdraw your pension fund assets as a pension, you will receive a continuous income every month for the rest of your life. For many, this security is indispensable, which is why they opt for a pension, despite the fact that the pension is at a disadvantage from a tax perspective. This is because while pensions are taxed at the normal income tax rate, a reduced tax rate applies to capital withdrawals.

Whether a pension, a lump sum withdrawal or a combination of the two is more suited to your situation depends on a variety of factors: In addition to the security aspect, financial stability, housing situation, state of health and your life plans and needs also play a role.

For this reason, we advise you to have a pension planning session with Zurich, during which your personal situation will be examined in detail by an expert.