Pension fund: lump-sum withdrawal or pension?

Pension fund: lump-sum withdrawal or pension?

My pension fund has announced that it will reduce the conversion rate. I (man, 60, married, two adult children) therefore intend to withdraw my pension fund as capital (around CHF 500,000). What do I have to consider? Which investment options are useful?

Martina Walker.

Due to the low interest rates and increased life expectancy, many pension funds are forced to reduce their pension conversion rates. The reductions are often implemented in stages or mitigated by compensatory measures. The current pension certificate or a pension forecast from the pension fund clarifies how the reduction will affect the specific case.

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