Partial retirement

Partial retirement

Step-by-step into retirement

You have the opportunity to enter retirement in phases between the ages of 58 and 70. Semi-retirement occurs in up to three steps, whereby you must reduce your work load and salary in each partial step by at least 20%. There must be at least a year between each individual step.

This is how you proceed as an employee

Please inform your employer about your partial retirement so that they can inform us.

We will receive a corresponding form from your employer. As soon as we have it, we will send you all further information directly by mail.


Please note that you can't increase your remaining degree of employment again in the case of partial retirement.
Since cantonal tax authorities impose higher minimum stages in specific cases (e.g. Kanton Zurich imposes a minimum stage of 30%), we recommend that you consult your tax authority.

Furthermore, you can withdraw capital from your retirement assets in a maximum of two of the three possible retirement phases.

It is no longer possible to purchase benefits in the pension fund once you have taken semi-retirement. An exception is re-purchases in the case of divorce.

Retirement planning advice

Would you like comprehensive advice on retirement planning? Contact your nearest retirement planning advisor or give us a call: 0800 80 80 80.


Online employee pension plan

for employers

  • Manage your employees' contracts and pension data
  • Plan your liquidity on a basis of a daily updated balance
  • Calculate comfortably the contribution for new employees online

What else might interest you

Standard retirement

You are retiring at 64 or 65 years of age. Find out here what has to be done for a standard retirement.

Early retirement

You would like to take early retirement.  Here you can learn what to do and how you can finance this.

Deferred retirement

You remain employed after reaching the standard retirement age. Here you can learn what to do if you retire later than planned by the legislator.