Swiss Retirement Taxes Explained: From Work to 65

Описание: How are you taxed when you retire in Switzerland—especially if you stop working early?
In this video, I walk you through a clear, realistic example that shows what happens to your taxes as you move from working life to early retirement, and then on to age 65. You’ll learn how income tax, wealth tax, and AHV (state pension contributions) shift depending on your financial decisions and life stage.
📍 We cover:
• Taxes while still working (income, wealth, AHV)
• What changes when you retire at 60
• How pension withdrawals and dividends are taxed
• The surprising AHV payments you owe if you retire early
• Tax effects of drawing the state pension early
• What happens when you finally reach 65
Using Zurich city tax rates, this example helps you understand what applies in your case—especially if you’ve saved or inherited wealth.
🎯 Key takeaways:
• Pension withdrawals are taxed and count toward your wealth
• AHV contributions continue until 65—even if you stop working
• Income tax includes pension income and dividends
• Total tax rates can increase sharply in early retirement
Whether you’re years from retiring or thinking about stopping work soon, this video will help you plan smarter.
👉 Subscribe for upcoming videos on:
• How to calculate your AHV liability
• How to reduce your pension withdrawal tax
• Retirement planning strategies tailored to Switzerland
I’m Janet, a finance and business specialist focused on retirement in Switzerland—here to make complex topics simple.