Assumptions
1.25% pension fund interest, 5% conversion rate, account at 0.25%, investment at 3% net of fees, maximum couple state pension without the 13th payment, withdrawal tax deducted (2025 City of Geneva rates). Amounts before income tax.
Couple, 52 and 50, Geneva
Goal: CHF 11,500 a month. As things stand, their pension fund, savings and state pension promise CHF 9,600.
Pension fund buy-ins over ten years, savings invested, then half annuity, half lump sum: CHF 2,000 more every month.

