Retirement planning: a long-term approach that starts today
Retirement is not something that happens overnight; it is built over the years through thoughtful decisions and a well-defined plan. At FCT Group, we believe that early and well-guided planning is the key to a peaceful and confident retirement.
Why start early?
Anticipating means investing in your peace of mind to approach retirement as smoothly as possible.
Starting your retirement planning early allows you to:
• Gain a clearer understanding of your pension situation
• Identify potential gaps or areas for improvement
• Make strategic and well-informed financial decisions
• Optimize your tax benefits over time
Where to begin?
1. Access your pension certificate
This is the starting point of your planning journey.
Your personal certificate summarizes your pension situation: it shows your insured salary, contributions made, and accumulated pension assets. It also provides an overview of your future benefits in the event of retirement, disability, or death.
Your certificate is updated monthly and can be viewed anytime on the secure EBC portal, with just a few clicks.
2. Assess your personal needs
Are you considering early retirement?
Do you wish to maintain your current standard of living?
Or perhaps finance a personal project?
Your answers guide your decisions and help you identify any potential pension gaps to address.
To make this easier, FCT allows you to simulate various scenarios, giving you a clear, concrete view of how your personal choices (such as buy-ins or withdrawals, retirement date, etc.) could affect your future benefits.
This feature is easily accessible on the EBC.
3. Consider regular buy-ins
Making voluntary buy-ins to your pension fund is a practical way to increase your future pension while reducing your taxable income.
Every year counts: a buy-in made today not only brings an immediate tax advantage but also benefits from compound interest over the remaining years of your career.
• Contributions are generally tax-deductible in the year of payment.
• They generate returns similar to your other pension assets, contributing to the compounding effect throughout your career.
Example:
A buy-in of CHF 10,000 at age 45, in a plan earning 2% interest, will amount to approximately CHF 15,000 at age 65 — not including the immediate tax savings.
At FCT, the buy-in process is fully digital and can be completed directly and securely through the EBC portal, including an estimate of your available buy-in capacity.
Please remember that to be counted in the current tax year, the funds must reach the foundation before December 31. We therefore recommend completing your transaction early to avoid any bank delays.
Finally, note that if you intend to receive your retirement benefits as a lump-sum payment, you may not make buy-ins during the three years preceding your retirement date.
4. Review your personal situation
If you are living as a couple without being married, remember to designate your beneficiaries to ensure their financial protection if needed.
This step is often overlooked but is essential to safeguard your loved ones in case of death. It can easily be completed through the secure portal using the Beneficiary Designation Form.
Simple tools to help you plan and act
The secure EBC portal is designed to make your pension management easier. In just a few clicks, you can:
✅ View your pension certificate
✅ Check your buy-in potential
✅ Make a secure, online buy-in
✅ Designate your beneficiaries and complete other pension-related actions
👉[Access the secure EBC portal]
…And personalized support every step of the way
Planning your retirement is a personal process — but you are not alone.
Aware of the complexity of the second pillar and the many questions it may raise, our teams are available to assist you — and your insured members — every step of the way.
Good planning means greater visibility and peace of mind as you approach this new stage of life.
Translated automatically from French using artificial intelligence (not reviewed by a human).