Bonuses, employee stock, pension fund, 1e, Pillar 3a, investment account, and home ownership. Each component can make sense on its own. We make sure they all fit into a single, cohesive plan.
Would you rather get an overview on your own first? The Pension analysis in the Caveo app Shows in just a few minutes what you're missing in the event of old age, disability, or death.
Generally, an income of at least CHF 120'000 for an individual or CHF 250'000 for a household, or assets of at least CHF 500'000, including retirement savings.
Or when a major life event is on the horizon: a promotion, employee stock options, a big bonus, buying a home, starting a family, or retiring in five to ten years.
Executive with a stake in the company, age 48, with assets of CHF 1.5 million (including a home and retirement savings), plans to retire at age 56. Without a plan, those assets will be depleted by about age 85. With a plan, CHF 450'000 will remain by age 90.
This does not result in lower taxes. The difference comes from the right structure and sequence, not from tax tricks.
The amounts are examples; the leverage ratios are not. They work just as well for smaller estates as they do for larger ones. Our first consultation will show you what’s possible for you.
| Age | Without a plan | With a plan |
|---|---|---|
| 48 | CHF 1'480'000 | CHF 1'560'000 |
| 56 | CHF 1'520'000 | CHF 2'340'000 |
| 57 | CHF 1'340'000 | CHF 1'630'000 |
| 65 | CHF 990'000 | CHF 1'460'000 |
| 76 | CHF 440'000 | CHF 1'150'000 |
| 85 | CHF -30'000 | CHF 750'000 |
| 90 | CHF -310'000 | CHF 450'000 |
When to sell stocks, how to invest the bonus, and what levels of concentrated risk are acceptable to the employer.
How much of your wealth depends on your employer?
Purchases are deductible from taxable income. With the 1e Plan, you choose the investment strategy yourself. Both options involve time limits and risks.
Is a buy-in worthwhile, and when?
Starting in 2026, contribution gaps dating back to 2025 can be retroactively made up. Having multiple accounts allows for staggered withdrawals.
Are your 3a accounts set up for withdrawals?
Retirement savings, direct or indirect repayment, affordability after retirement.
Is the mortgage right for your retirement income?
We determine what funds are needed, for what purpose, and when. You can make the transfer through your bank or using Caveo Wealth.
Does your portfolio follow a plan or a habit?
Pension or lump-sum payment, bridging until AHV eligibility, order of payments. We'll calculate the options for you.
When will you be able to afford it?
Companies also offer Caveo as a benefit for their executive and management teams, for example, when implementing a 1e plan. Planning for senior staff