{"id":8995,"date":"2025-10-17T13:23:15","date_gmt":"2025-10-17T13:23:15","guid":{"rendered":"https:\/\/vitafinance.webcase.me\/?p=8995"},"modified":"2025-10-17T13:26:14","modified_gmt":"2025-10-17T13:26:14","slug":"financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly","status":"publish","type":"post","link":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/","title":{"rendered":"Financial Freedom in Old Age: How to Plan Your Capital Withdrawal, Pension, and Future Correctly"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"8995\" class=\"elementor elementor-8995 elementor-8907\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8e9a4da e-flex e-con-boxed e-con e-parent\" data-id=\"8e9a4da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-be05a74 elementor-widget elementor-widget-text-editor\" data-id=\"be05a74\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Retirement is one of the most important steps in life. Many people look forward to more free time, travel, or simply more peace, but at the same time, many questions arise: Will my savings be enough to maintain my standard of living? Should I receive my pension fund as an annuity or as a lump sum? What taxes and costs will I face after retirement? And how can I fulfill bigger dreams like a world trip or buying a motorhome without getting into financial trouble later? <\/span><\/p>\n<h2><b>Capital withdrawal or pension payment \u2013 what does that even mean?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When you retire and your pension fund is due to pay out your retirement capital, you generally have three options in Switzerland:<br><\/span><\/p>\n<p><b>Pension payment<\/b><span style=\"font-weight: 400;\"> means you receive a fixed amount of money every month for life. The pension fund converts your saved balance using a conversion rate and pays out the resulting pension monthly. This provides security because you have a regular source of income without having to worry about managing investments yourself.<br><\/span><\/p>\n<p><b>Capital withdrawal<\/b><span style=\"font-weight: 400;\"> means you receive your entire retirement balance (or part of it) in one go. This gives you maximum freedom \u2013 you decide what to do with the money: invest it, finance a major project, pay off debts, buy a motorhome, or travel. However, you also take on the risk: the money must be managed wisely and used so that it lasts \u2013 ideally for life.<\/span><\/p>\n<p><b>Combination <\/b><span style=\"font-weight: 400;\">Many people choose a mix of both options. For example, you can withdraw part as capital to fund special wishes or larger projects and keep the rest as an annuity to ensure a secure monthly income.<br><\/span><\/p>\n<h2><b>Advantages and Disadvantages \u2013 Capital Withdrawal vs. Pension Payment<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Here\u2019s an overview of the pros and cons of each option:<br><\/span><\/p>\n<p><b>Pension Payment \u2013 Advantages<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lifelong, secure pension paid monthly<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Easy to plan your household budget<br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">No need to manage investments yourself<br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Often includes family protection through survivor\u2019s pension<\/span><\/li>\n<\/ul>\n<p><b>Pension Payment \u2013 Disadvantages<br><\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Low flexibility since the capital is not freely available<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Remaining capital usually goes to the pension fund upon death, not to heirs<br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Purchasing power may decline over the years due to inflation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dependence on the conversion rate, which may continue to decrease in the future<br><\/span><\/li>\n<\/ul>\n<p><b>Capital Withdrawal \u2013 Advantages<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High flexibility since the capital is freely available<br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ability to finance major projects like world travel or real estate purchases<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Remaining capital can be passed on to heirs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Possible tax advantages depending on canton and withdrawal amount<\/span><\/li>\n<\/ul>\n<p><b>Capital Withdrawal \u2013 Disadvantages<br><\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal responsibility for managing and investing the assets<br><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk that the capital may not last a lifetime, especially with long life expectancy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk of poor investment decisions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Requires discipline and financial knowledge<\/span><\/span><\/li>\n<\/ul>\n<h2><b>Will my savings be enough for my lifestyle?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A useful rule of thumb says: After retirement, you should have about <\/span><b>70 to 80 percent of your last income available to maintain your usual standard of living. But that\u2019s only a rough guideline.<\/b><span style=\"font-weight: 400;\"> Some people spend less in retirement because, for example, they no longer have commuting expenses. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Others spend more \u2013 for travel, leisure activities, or hobbies. Therefore, it\u2019s important to examine your personal expenses carefully. Write down your fixed costs, how much you need each month for food, health insurance premiums, and other insurances, and how much you want to budget for leisure or bigger goals.<br><\/span><\/p>\n<p><span style=\"font-weight: 400;\">This helps you quickly see whether your expected AHV and <a href=\"https:\/\/vitafinance.webcase.me\/en\/services\/pension-planning\/\">pension income<\/a> plus savings are enough, or whether you have a gap that you should close through private savings (Pillar 3a).<br><\/span><\/p>\n<h2><b>What costs will you face after retirement?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many assume that expenses drop significantly after retirement. But that\u2019s not necessarily true \u2013 some costs remain the same or even rise:<br><\/span><\/p>\n<p><b>Health insurance premiums:<\/b><span style=\"font-weight: 400;\">You\u2019ll continue to pay these, and they often increase with age. Medication and treatment costs also tend to rise. <\/span><\/p>\n<p><b>Taxes:<\/b><span style=\"font-weight: 400;\">Even in retirement, you\u2019ll pay taxes. AHV and pension income are taxable. A lump-sum withdrawal is taxed only once, but depending on amount and canton, the tax can still be significant. <\/span><\/p>\n<p><b>Housing:<\/b><span style=\"font-weight: 400;\">Whether you rent or own a home, housing remains a major expense. Homeowners must consider maintenance and potential renovations, renters their monthly rent.<br><\/span><\/p>\n<p><b>Leisure and travel:<\/b><span style=\"font-weight: 400;\">Many retirees want to use their free time to explore the world or take up new hobbies, which often costs more than expected.<br><\/span><\/p>\n<p><b>Care and support:<\/b><span style=\"font-weight: 400;\">With age, the risk of needing care increases. These costs can be very high, so planning reserves is essential. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">When retiring, it\u2019s crucial not to underestimate your budget. Plan with slightly higher expenses to avoid unpleasant surprises.<br><\/span><\/p>\n<h2><b>Inflation \u2013 why your money loses value over the years<br><\/b><\/h2>\n<p><b>Inflation <\/b><span style=\"font-weight: 400;\">is a topic often underestimated.<\/span><span style=\"font-weight: 400;\">. It means that prices for goods and services rise over time, reducing the purchasing power of your money.<br><\/span><\/p>\n<p><b>Example:<\/b> <span style=\"font-weight: 400;\">Today, CHF 5,000 per month might be enough to cover your expenses.<\/span><span style=\"font-weight: 400;\">But with an average inflation rate of 2% per year, in 20 years you\u2019ll need about <\/span><b>CHF 7,400 <\/b><span style=\"font-weight: 400;\">to maintain the same standard of living.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This shows how important it is to plan not just for today, but also for the future. Retirement planning should therefore include inflation-protected investments \u2013 for example, stocks or funds that can generate returns higher than inflation over the long term.<\/span><\/p>\n<h2><b>How can larger projects be financed after retirement?<br><\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many dream of seeing more of the world, buying a motorhome, or acquiring a holiday home after retirement. But such projects require significant funds.<br><\/span><\/p>\n<p><b>Using capital withdrawal:<\/b><span style=\"font-weight: 400;\"><br><\/span><span style=\"font-weight: 400;\">As explained earlier, capital withdrawal gives you the freedom to use a larger sum all at once. If you\u2019re planning a project, you can reserve that money for it. What\u2019s important is to plan carefully in advance \u2013 how much money is needed and how much you\u2019ll still need for everyday expenses.<br><\/span><\/p>\n<p><b>Third pillar (Pillar 3a \/ 3b):<\/b><span style=\"font-weight: 400;\"><br><\/span><span style=\"font-weight: 400;\">In Switzerland, you can voluntarily pay money into private retirement savings. Pillar 3a offers tax advantages. If you\u2019ve contributed regularly to the 3rd pillar before retirement, you can use the accumulated capital for major projects without severely affecting your pension income.<br><\/span><\/p>\n<p><b>Withdrawal plan for capital:<br><\/b><span style=\"font-weight: 400;\">A withdrawal plan is a structured schedule that determines how much capital you want to use each year to finance your goals. For example, you might withdraw a certain amount once a year over five years for travel or personal projects.&nbsp;<br><\/span><\/p>\n<p><b>Investments with returns:<\/b><span style=\"font-weight: 400;\"><br><\/span><span style=\"font-weight: 400;\">Instead of simply spending your capital, you can invest it \u2013 for example, in stocks or ETFs, real estate, or other assets. If returns exceed inflation, your wealth continues to grow and you\u2019ll have ongoing income to supplement your pension.&nbsp;<\/span><\/p>\n<p><b>Planning projects in stages:<br><\/b><span style=\"font-weight: 400;\">Not all projects need to be completed at once. For instance, you could fund a motorhome purchase in two stages or choose a smaller model to protect your budget. This allows you to fulfill your dreams step by step without depleting your savings too quickly.<br><\/span><\/p>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Retirement brings many financial questions that shouldn\u2019t be taken lightly. Whether capital withdrawal or pension payment, the key is to understand what these options mean and their advantages and disadvantages. Only then can you choose the solution that fits you best.<br><\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s equally important to take a realistic look at expenses after retirement. Health insurance, taxes, housing, and leisure all add up, and inflation further reduces your purchasing power over time.<br><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Those planning larger projects should consider capital withdrawal and the third pillar as financing sources. Early planning ensures that you\u2019re not only financially secure in retirement but also able to fulfill long-held dreams.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9df219 vt-faq-sec e-flex e-con-boxed e-con e-parent\" data-id=\"f9df219\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e286653 elementor-widget elementor-widget-heading\" data-id=\"e286653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c37a62 elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"9c37a62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-9c37a62\" data-scroll-on-click=\"no\" data-scroll-speed=\"300\" data-accordion-id=\"9c37a62\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"which-is-better-capital-withdrawal-or-pension-paymentbr\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-1631\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Which is better \u2013 capital withdrawal or pension payment?<br><\/span><\/div><div id=\"elementor-tab-content-1631\" class=\"eael-accordion-content clearfix\" data-tab=\"1\" aria-labelledby=\"which-is-better-capital-withdrawal-or-pension-paymentbr\"><p><span style=\"font-weight: 400\">That depends on your personal goals. The pension provides security with lifelong monthly payments. The capital withdrawal gives flexibility and the possibility of inheritance but requires careful management.  <\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-can-i-calculate-whether-my-pension-is-enough\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-1632\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How can I calculate whether my pension is enough?<\/span><\/div><div id=\"elementor-tab-content-1632\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"how-can-i-calculate-whether-my-pension-is-enough\"><p><span style=\"font-weight: 400\">Create a budget including all your expected retirement expenses. Compare it with your projected income from AHV, pension fund, and third pillar. This shows if a gap exists.<br \/>  <\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"-what-taxes-will-i-have-to-pay\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-1633\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\"> What taxes will I have to pay?<\/span><\/div><div id=\"elementor-tab-content-1633\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"-what-taxes-will-i-have-to-pay\"><p><span style=\"font-weight: 400\">AHV and pension fund payments are taxable. A lump-sum withdrawal is taxed once, often at a reduced rate. The exact tax depends on your canton and withdrawal amount.<br \/>  <\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"why-is-inflation-a-problem-in-retirement\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-1634\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">Why is inflation a problem in retirement?<\/span><\/div><div id=\"elementor-tab-content-1634\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"why-is-inflation-a-problem-in-retirement\"><p><span style=\"font-weight: 400\">Because it reduces your purchasing power \u2013 in 20 years, you\u2019ll afford much less with the same amount. Retirement planning should therefore include investments that outperform inflation.<br \/>  <\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"how-can-i-afford-bigger-dreams-like-a-world-trip-or-motorhome\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"5\" aria-controls=\"elementor-tab-content-1635\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\">How can I afford bigger dreams like a world trip or motorhome?<\/span><\/div><div id=\"elementor-tab-content-1635\" class=\"eael-accordion-content clearfix\" data-tab=\"5\" aria-labelledby=\"how-can-i-afford-bigger-dreams-like-a-world-trip-or-motorhome\"><p><span style=\"font-weight: 400\">This can be done through capital withdrawal or savings from the third pillar. It\u2019s crucial to include such expenses in your financial plan early on to avoid shortfalls later.<\/p>\n<p> <\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"-can-i-combine-capital-withdrawal-and-pension-payment\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"6\" aria-controls=\"elementor-tab-content-1636\"><span class=\"eael-advanced-accordion-icon-closed\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-advanced-accordion-icon-opened\"><svg aria-hidden=\"true\" class=\"fa-accordion-icon e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"eael-accordion-tab-title\"> Can I combine capital withdrawal and pension payment?<\/span><\/div><div id=\"elementor-tab-content-1636\" class=\"eael-accordion-content clearfix\" data-tab=\"6\" aria-labelledby=\"-can-i-combine-capital-withdrawal-and-pension-payment\"><p><span style=\"font-weight: 400\">Yes, many pension funds allow a combination. This way, you maintain the security of a monthly pension while having capital for larger projects or unexpected expenses.<\/p>\n<p> <\/span><\/p>\n<\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<section class=\"elementor-element elementor-element-71ac1a3 e-con-full compound-interest e-flex e-con e-child\" data-id=\"71ac1a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e7b864 elementor-widget elementor-widget-heading\" data-id=\"9e7b864\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Plan your retirement correctly.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d0194c7 elementor-widget elementor-widget-text-editor\" data-id=\"d0194c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Knowing whether you should choose a pension or a lump-sum withdrawal is crucial for your financial future. Our experts help you develop a strategy that fits your goals and lifestyle. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f7d0e6 elementor-widget elementor-widget-button\" data-id=\"7f7d0e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/vitafinance.webcase.me\/en\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Speak with a Vita Finance advisor.<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Retirement is one of the most important steps in life. Many people look forward to more free time, travel, or simply more peace, but at the same time, many questions arise: Will my savings be enough to maintain my standard of living? Should I receive my pension fund as an annuity or as a lump [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8935,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[129],"tags":[122,118,124,123,125,121,128,119,120,116,126,117,127],"class_list":["post-8995","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning","tag-3-a-pillar","tag-capital-withdrawal","tag-conversion-rate","tag-finances","tag-financial-freedom","tag-investment","tag-lump-sum-or-pension","tag-pension","tag-pension-fund","tag-retirement","tag-retirement-en","tag-retirement-planning","tag-switzerland"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Financial freedom in retirement: Planning your pension and capital.<\/title>\n<meta name=\"description\" content=\"Lump-sum withdrawal or pension? Plan your retirement properly for financial freedom and a worry-free future in old age.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial freedom in retirement: Planning your pension and capital.\" \/>\n<meta property=\"og:description\" content=\"Lump-sum withdrawal or pension? Plan your retirement properly for financial freedom and a worry-free future in old age.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/\" \/>\n<meta property=\"og:site_name\" content=\"Vita Finance\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-17T13:23:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-17T13:26:14+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"roger lipp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"roger lipp\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/\"},\"author\":{\"name\":\"roger lipp\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/person\/2ac4cb2bbcf3b179db33dc83595c8e98\"},\"headline\":\"Financial Freedom in Old Age: How to Plan Your Capital Withdrawal, Pension, and Future Correctly\",\"datePublished\":\"2025-10-17T13:23:15+00:00\",\"dateModified\":\"2025-10-17T13:26:14+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/\"},\"wordCount\":1519,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp\",\"keywords\":[\"3 a Pillar\",\"Capital withdrawal\",\"Conversion rate\",\"Finances\",\"Financial freedom\",\"Investment\",\"Lump sum or pension\",\"Pension\",\"Pension fund\",\"Retirement\",\"Retirement\",\"Retirement Planning\",\"Switzerland\"],\"articleSection\":[\"Retirement planning\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/\",\"url\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/\",\"name\":\"Financial freedom in retirement: Planning your pension and capital.\",\"isPartOf\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp\",\"datePublished\":\"2025-10-17T13:23:15+00:00\",\"dateModified\":\"2025-10-17T13:26:14+00:00\",\"description\":\"Lump-sum withdrawal or pension? Plan your retirement properly for financial freedom and a worry-free future in old age.\",\"breadcrumb\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage\",\"url\":\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp\",\"contentUrl\":\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp\",\"width\":1200,\"height\":628,\"caption\":\"Die Pensionierung wirft entscheidende Fragen auf: Rente oder Kapitalbezug? Eine lebenslange Rente bietet Sicherheit, w\u00e4hrend der Kapitalbezug maximale Flexibilit\u00e4t f\u00fcr grosse Tr\u00e4ume wie Reisen oder ein Wohnmobil erm\u00f6glicht. Eine sorgf\u00e4ltige Planung von Budget, Steuern und Inflation ist unerl\u00e4sslich.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/vitafinance.webcase.me\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Financial Freedom in Old Age: How to Plan Your Capital Withdrawal, Pension, and Future Correctly\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#website\",\"url\":\"https:\/\/vitafinance.webcase.me\/en\/\",\"name\":\"Vita Finance\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/vitafinance.webcase.me\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#organization\",\"name\":\"Vita Finance\",\"url\":\"https:\/\/vitafinance.webcase.me\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/04\/Group-39471.png\",\"contentUrl\":\"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/04\/Group-39471.png\",\"width\":250,\"height\":30,\"caption\":\"Vita Finance\"},\"image\":{\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/person\/2ac4cb2bbcf3b179db33dc83595c8e98\",\"name\":\"roger lipp\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2dd712c666196870a1081add893acb58029d73973ae544a70324bfb944850342?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2dd712c666196870a1081add893acb58029d73973ae544a70324bfb944850342?s=96&d=mm&r=g\",\"caption\":\"roger lipp\"},\"url\":\"https:\/\/vitafinance.webcase.me\/en\/author\/roger\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Financial freedom in retirement: Planning your pension and capital.","description":"Lump-sum withdrawal or pension? Plan your retirement properly for financial freedom and a worry-free future in old age.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/","og_locale":"en_US","og_type":"article","og_title":"Financial freedom in retirement: Planning your pension and capital.","og_description":"Lump-sum withdrawal or pension? Plan your retirement properly for financial freedom and a worry-free future in old age.","og_url":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/","og_site_name":"Vita Finance","article_published_time":"2025-10-17T13:23:15+00:00","article_modified_time":"2025-10-17T13:26:14+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp","type":"image\/jpeg"}],"author":"roger lipp","twitter_card":"summary_large_image","twitter_misc":{"Written by":"roger lipp","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#article","isPartOf":{"@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/"},"author":{"name":"roger lipp","@id":"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/person\/2ac4cb2bbcf3b179db33dc83595c8e98"},"headline":"Financial Freedom in Old Age: How to Plan Your Capital Withdrawal, Pension, and Future Correctly","datePublished":"2025-10-17T13:23:15+00:00","dateModified":"2025-10-17T13:26:14+00:00","mainEntityOfPage":{"@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/"},"wordCount":1519,"commentCount":0,"publisher":{"@id":"https:\/\/vitafinance.webcase.me\/en\/#organization"},"image":{"@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage"},"thumbnailUrl":"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp","keywords":["3 a Pillar","Capital withdrawal","Conversion rate","Finances","Financial freedom","Investment","Lump sum or pension","Pension","Pension fund","Retirement","Retirement","Retirement Planning","Switzerland"],"articleSection":["Retirement planning"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/","url":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/","name":"Financial freedom in retirement: Planning your pension and capital.","isPartOf":{"@id":"https:\/\/vitafinance.webcase.me\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage"},"image":{"@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage"},"thumbnailUrl":"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp","datePublished":"2025-10-17T13:23:15+00:00","dateModified":"2025-10-17T13:26:14+00:00","description":"Lump-sum withdrawal or pension? Plan your retirement properly for financial freedom and a worry-free future in old age.","breadcrumb":{"@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#primaryimage","url":"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp","contentUrl":"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/10\/Finanzielle-Freiheit-im-Alter.webp","width":1200,"height":628,"caption":"Die Pensionierung wirft entscheidende Fragen auf: Rente oder Kapitalbezug? Eine lebenslange Rente bietet Sicherheit, w\u00e4hrend der Kapitalbezug maximale Flexibilit\u00e4t f\u00fcr grosse Tr\u00e4ume wie Reisen oder ein Wohnmobil erm\u00f6glicht. Eine sorgf\u00e4ltige Planung von Budget, Steuern und Inflation ist unerl\u00e4sslich."},{"@type":"BreadcrumbList","@id":"https:\/\/vitafinance.webcase.me\/en\/financial-freedom-in-old-age-how-to-plan-your-capital-withdrawal-pension-and-future-correctly\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/vitafinance.webcase.me\/en\/"},{"@type":"ListItem","position":2,"name":"Financial Freedom in Old Age: How to Plan Your Capital Withdrawal, Pension, and Future Correctly"}]},{"@type":"WebSite","@id":"https:\/\/vitafinance.webcase.me\/en\/#website","url":"https:\/\/vitafinance.webcase.me\/en\/","name":"Vita Finance","description":"","publisher":{"@id":"https:\/\/vitafinance.webcase.me\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/vitafinance.webcase.me\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/vitafinance.webcase.me\/en\/#organization","name":"Vita Finance","url":"https:\/\/vitafinance.webcase.me\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/logo\/image\/","url":"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/04\/Group-39471.png","contentUrl":"https:\/\/vitafinance.webcase.me\/wp-content\/uploads\/2025\/04\/Group-39471.png","width":250,"height":30,"caption":"Vita Finance"},"image":{"@id":"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/person\/2ac4cb2bbcf3b179db33dc83595c8e98","name":"roger lipp","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/vitafinance.webcase.me\/en\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2dd712c666196870a1081add893acb58029d73973ae544a70324bfb944850342?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2dd712c666196870a1081add893acb58029d73973ae544a70324bfb944850342?s=96&d=mm&r=g","caption":"roger lipp"},"url":"https:\/\/vitafinance.webcase.me\/en\/author\/roger\/"}]}},"_links":{"self":[{"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/posts\/8995","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/comments?post=8995"}],"version-history":[{"count":23,"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/posts\/8995\/revisions"}],"predecessor-version":[{"id":9143,"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/posts\/8995\/revisions\/9143"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/media\/8935"}],"wp:attachment":[{"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/media?parent=8995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/categories?post=8995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vitafinance.webcase.me\/en\/wp-json\/wp\/v2\/tags?post=8995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}