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Pension fund: Professional analysis of your pension fund statement

Our service: We show you specific optimization options and advise you on their tax implications.

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The basics

The pension fund statement you receive annually at the start of the year provides an overview of your retirement provision and insured benefits in the event of disability or death. This document is not just a piece of information, but an essential building block for financial planning in retirement.

Important information on the pension fund statement

Retirement assets: Indicates how much capital you have already accumulated.

Insured benefits: Shows your coverage in retirement as well as in the event of disability or death.

Contributions: Lists the contributions from employer and employee as well as potential additional contributions.

How to proceed

1. Analyze your pension fund statement
Analyze your current retirement savings and guaranteed benefits. Make sure that your personal details and insured salary are correct. We explain your pension fund statement in detail: Where do you find what information? What does which detail mean? Which benefits can you expect in retirement or in case of disability or death?
2. Identify pension gaps
Identify gaps in your retirement provision caused by changes in income, part-time work, or professional breaks.
3. Consider additional contributions
Use the possibility to make voluntary contributions to your pension fund to close potential pension gaps while reducing your tax burden. In doing so, mind your personal circumstances, your wealth, and the financial health of your pension fund. Deciding whether to make a voluntary contribution also depends on your income and tax situation. Our experts are pleased to advise you in this regard.
4. Plan for the future
Assess how your old-age provision supports your goals in retirement in combination with old-age and survivors' insurance (AHV) and private pension (e.g., pillar 3a).

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smzh for you

As an independent financial partner, smzh ag offers:

  • Professional analysis: We analyze your pension fund statement in detail to gain a clear overview of your financial situation.
  • Optimization advice: We develop strategies to close pension gaps and tap tax advantages thanks to voluntary additional contributions.
  • Explanation of your pension fund statement: We help you fully understand your pension fund statement and clarify which benefits you are entitled to.
  • Long-term planning: Our experts guide you by developing a comprehensive pension strategy that is fully aligned with your needs.

We handle questions such as those shown on the right on a daily basis. You don't need to deal with them by yourself – our 360° Check-Up is free of charge and non-binding.

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    It provides an overview of your retirement savings, your contributions, and the insured benefits in the event of disability or death.

    By making voluntary additional contributions to the pension fund, you can close gaps and at the same time lower your tax burden.

    Yes, particularly if you would like to close pension gaps or lower your tax burden. When making such contributions, you should, however, take into account your personal circumstances and wealth, the financial state of your pension fund, and your tax situation.

    You should do so at least once a year, particularly when your personal or professional situation has changed.

    We analyze your pension fund statement, identify optimization potential, and develop a comprehensive pension strategy.