Towards retirement
Want to stop working earlier? Start from the numbers.
Retiring before the reference age is possible, but it has a cost: lower pensions and years in which contributions stop. The sooner you calculate it, the more ways you have to close the gap. We line up AVS, pension fund and third pillar and show you what changes, year by year.
The earlier you plan, the more options you have.
Three sources to line up, plus the assets you already have.
01 · Early AVS
An advance of one or two years, with a permanent reduction.
What it is, how it works, who it is for
What is it?The AVS pension can be drawn one or two years before the reference age. In exchange, the pension is permanently reduced for each year of advance.
How does it work?We show you how much pension you lose for each year of advance and how much you can cover with the other sources. We also check the AVS contributions that may remain due until the reference age if you stop working.
Who is it for?For those who want to leave work one or two years early and want to know what really changes.
02 · Pension fund
The rules are set by your fund's regulations.
What it is, how it works, who it is for
What is it?The second pillar is your pension fund. Many funds allow early retirement from a certain age, generally from 58, with a lower pension because it is paid for longer and on less accumulated capital.
How does it work?We read your pension certificate and the regulations with you: minimum age, reduced conversion rate, the option of withdrawing capital instead of a pension, and buy-ins to fill gaps.
Who is it for?For those with a pension fund who want to understand when and under what conditions they could stop.
03 · Third pillar
The capital you can use earlier.
What it is, how it works, who it is for
What is it?Pillar 3a capital can be withdrawn up to five years before the AVS reference age, and can therefore cover the years between the last salary and the start of the other pensions.
How does it work?We build the plan backwards: from when you want to stop, how much you need each year and how much capital you must have. Several 3a accounts allow withdrawals to be spread and tax reduced. Time matters: starting ten years earlier changes a lot.
Who is it for?For those who still have a few working years ahead and want to build the margin to stop earlier.
04 · The bridge plan
The years between the last salary and the pensions.
What it is, how it works, who it is for
What is it?The period between the end of work and the start of the pensions must be covered with savings, 3a capital, withdrawals from the pension fund and free assets.
How does it work?We put income, expenses and taxes into a single picture, year by year, and check that the numbers hold up even in prudent scenarios, with higher expenses and lower returns.
Who is it for?For those who want to decide with the numbers on the table and not by feel.
Let's do the maths, together.
Tell us at what age you would like to stop: we start from there.
The role of TiAssicuro. TiAssicuro analyses your pension situation and guides you in your choices. Savings and pension solutions are offered by partner institutions and TiAssicuro may receive remuneration from the chosen partner, details of which you can request at any time. The rules on AVS, pension fund and third pillar change over time and depend on the regulations of each institution: the values on this page are indicative. The information is for information purposes only and does not constitute tax or legal advice.
Towards retirement
Want to stop working earlier? Start from the numbers.
Retiring before the reference age is possible, but it has a cost: lower pensions and years in which contributions stop. The sooner you calculate it, the more ways you have to close the gap. We line up AVS, pension fund and third pillar and show you what changes, year by year.
The earlier you plan, the more options you have.
Three sources to line up, plus the assets you already have.
01 · Early AVS
An advance of one or two years, with a permanent reduction.
What it is, how it works, who it is for
What is it?The AVS pension can be drawn one or two years before the reference age. In exchange, the pension is permanently reduced for each year of advance.
How does it work?We show you how much pension you lose for each year of advance and how much you can cover with the other sources. We also check the AVS contributions that may remain due until the reference age if you stop working.
Who is it for?For those who want to leave work one or two years early and want to know what really changes.
02 · Pension fund
The rules are set by your fund's regulations.
What it is, how it works, who it is for
What is it?The second pillar is your pension fund. Many funds allow early retirement from a certain age, generally from 58, with a lower pension because it is paid for longer and on less accumulated capital.
How does it work?We read your pension certificate and the regulations with you: minimum age, reduced conversion rate, the option of withdrawing capital instead of a pension, and buy-ins to fill gaps.
Who is it for?For those with a pension fund who want to understand when and under what conditions they could stop.
03 · Third pillar
The capital you can use earlier.
What it is, how it works, who it is for
What is it?Pillar 3a capital can be withdrawn up to five years before the AVS reference age, and can therefore cover the years between the last salary and the start of the other pensions.
How does it work?We build the plan backwards: from when you want to stop, how much you need each year and how much capital you must have. Several 3a accounts allow withdrawals to be spread and tax reduced. Time matters: starting ten years earlier changes a lot.
Who is it for?For those who still have a few working years ahead and want to build the margin to stop earlier.
04 · The bridge plan
The years between the last salary and the pensions.
What it is, how it works, who it is for
What is it?The period between the end of work and the start of the pensions must be covered with savings, 3a capital, withdrawals from the pension fund and free assets.
How does it work?We put income, expenses and taxes into a single picture, year by year, and check that the numbers hold up even in prudent scenarios, with higher expenses and lower returns.
Who is it for?For those who want to decide with the numbers on the table and not by feel.
Let's do the maths, together.
Tell us at what age you would like to stop: we start from there.
The role of TiAssicuro. TiAssicuro analyses your pension situation and guides you in your choices. Savings and pension solutions are offered by partner institutions and TiAssicuro may receive remuneration from the chosen partner, details of which you can request at any time. The rules on AVS, pension fund and third pillar change over time and depend on the regulations of each institution: the values on this page are indicative. The information is for information purposes only and does not constitute tax or legal advice.