FUTURA A to Z

What is the reference age?

The reference age in the pension fund, also known as the retirement age, is the age from which an insured person can claim their retirement benefits without reductions. In Switzerland, the reference age for men and women is the same at 65.

Women born between 1961 and 1969 have a transitional arrangement under which the reference age is gradually raised from 64 to 65.

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 "Capital withdrawal" FORM

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 The insured person must manage and allocate the withdrawn capital independently.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 the retirement age in Switzerland?

The reference age in the pension fund, also known as the retirement age, is the age from which an insured person can claim their retirement benefits without reductions. In Switzerland, the reference age for men and women is the same at 65.

Women born between 1961 and 1969 have a transitional arrangement under which the reference age is gradually raised from 64 to 65.

What does reimbursement mean in connection with voluntary purchases?

If reimbursement is provided for in the pension plan, voluntary purchases are reimbursed to the entitled surviving dependants in the event of the death of the insured person. The beneficiary regulations can be found in the regulations under Art. 6.6 or here:

TO THE BENEFICIARY REGULATIONS

What do Mobiliar and Swiss Life have to do with FUTURA?

FUTURA is a semi-autonomous joint foundation. It bears the investment risk, but has insured the risks of disability and death with Mobiliar and Swiss Life. The partner is only involved in your occupational pension provision to the extent that she would take care of the pension payments in the event of a claim. She has no role whatsoever in connection with old-age provision (retirement). The retirement pensions are paid out by FUTURA Vorsorge .