FUTURA A to Z

What are the options?

When you retire, you can choose from FUTURA whether you want to draw a pension or your retirement capital. Another option is a combination of both: you can have a partial amount paid out as a lump sum and draw the rest as a monthly pension. Your individual situation and your personal needs will have a decisive influence on this irrevocable decision. And it is advisable to carry out personal financial planning at an early stage.

If you would like to apply for a lump-sum withdrawal, you will find the "Retirement lump-sum withdrawal" form on our website under Downloads. Married persons require the written consent of their spouse.

FUTURA does not have a capital notification period.

TO THE FORM "capital reference"

Advantages and disadvantages?

Drawing a pension offers the greatest possible security. The amount (paid quarterly in advance with FUTURA) is paid out until the end of your life. You do not have to worry about investments and have a regular, constant income.

Although a lump-sum withdrawal offers the greatest possible flexibility in the withdrawal and inheritability of the money, it also has its disadvantages. The insured person must manage and allocate the withdrawn capital independently. They bear the investment and longevity risk themselves. When withdrawing the money, it is important to remember that the capital benefit is taxed.

A mixed model can make sense.

FUTURA does not have a notification period for lump-sum withdrawals.

What is a child pension?

The child's pension is a financial benefit which, if you receive a retirement, disability or survivor's pension and have children, is paid out for each child entitled under the pension plan.

As a rule, the entitlement lasts until the child reaches the age of 18 or completes their education, but no longer than the age of 25. The valid pension plan is decisive.

For children between the ages of 18 and 25 who are in education, proof of education is required on a regular basis.

You can find the exact amount on your pension certificate, which you can download from the "myFUTURA" portal:

TO myfutura

What is the coordination deduction?

The coordination deduction is the deduction that is made in the 2nd pillar because you are already insured in the 1st pillar.

Example (as at 2025): If the gross annual salary is CHF 80,000 and the coordination deduction is CHF 26,460, the coordinated salary is calculated as follows: CHF 80,000 - CHF 26,460 = CHF 53,540. This coordinated salary is generally the basis for calculating the pension fund contributions. Companies affiliated to FUTURA are free to set lower coordination deductions or to waive a deduction altogether in order to expand the second pillar.

What does account management cost?

FUTURA Vorsorge charges an administration fee of CHF 300 per insured person per year for managing the retirement account. As a rule, at least 50% of this premium is financed by the employer and is already included in the monthly pension fund deduction that you see on your payslip.

From 2026, the amount will be reduced by 10% to 270 per year.