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Pre-retirement risk management involves identifying and addressing potential risks that could impact your retirement savings, income, and lifestyle. It includes strategies such as cash flow management, asset allocation, diversification, insurance, and estate planning to mitigate risks and protect retirement savings.

When assessing pre-retirement risk management in Switzerland, our job as Financial Planners is simply to help you:

  1. Evaluate current retirement savings and expected retirement expenses to determine potential risks via detailed cash flow modeling.
  2. Review investment portfolios and assess the level of risk exposure, diversification, and asset allocation.
  3. Consider purchasing insurance products, such as life insurance or incapacity insurance, to mitigate potential risks.
  4. Develop an estate plan to protect and distribute assets according to individual wishes and minimize potential estate tax liabilities.
  5. Monitor and adjust the retirement plan regularly to reflect changing circumstances, such as market conditions or personal goals.

How can I protect my retirement savings from market volatility and other investment risks?

One way to mitigate investment risks is to diversify the investment portfolio by investing in a mix of asset classes, such as stocks, bonds, and real estate. This can help reduce the impact of market volatility on overall portfolio performance. Additionally, it is important to review the investment portfolio regularly and adjust the asset allocation to align with changing goals and risk tolerance. Seeking the advice of a financial professional can help develop a personalized retirement plan that incorporates risk management strategies.

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Should I draw a lump sum from my pension or take the fixed income available?

It is important to evaluate your individual circumstances before deciding whether to draw a lump sum or opt for a fixed income from your Swiss second pillar pension fund. Factors such as your current financial needs, expected longevity, risk tolerance, and overall retirement goals should be considered. Consulting with a pension specialist and analyzing the potential tax implications can help make an informed decision aligned with your specific situation.

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What future expenses should I consider in my retirement?

When planning for retirement in Switzerland, it is important to consider future expenses such as healthcare costs, long-term care, inflation, travel and leisure activities, and legacy planning. By accounting for these factors, you can ensure a more comprehensive and realistic financial plan that supports your desired lifestyle and provides for your needs throughout retirement. Regular reviews and updates to your plan are essential to keep it aligned with your evolving circumstances.

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