Retirement Planning Before Buying a Home: Why the Order Matters. With Samuel Horn.
Episode description
What happens to your retirement savings if you put all your money into buying a home? And why are billions of Swiss francs in pension assets sitting unclaimed, with no clear link to their owners?
In episode 2 of Grundriss fürs Leben, Daniel Schweizer speaks with financial adviser Samuel Horn about retirement planning, forgotten vested pension benefits and why getting the order right matters: plan your retirement first, then buy your home. Samuel shares real-life cases from his professional experience, explains how to build a financial plan step by step, and shows why discipline and patience matter more than shortcuts. An episode for anyone looking to buy their own home without putting their financial security in retirement at risk.
In this episode, you will learn:
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Why the biggest fear people face before retirement is often a lack of planning rather than a lack of money, and how a clear plan can ease that uncertainty.
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Why retirement planning should start at least five years in advance, particularly because tax-deductible pension fund buy-ins are subject to restrictions before withdrawing retirement capital.
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How Samuel found pension assets belonging to a deceased woman’s husband, even though she had renounced her inheritance. He also explains how CHF 500,000 remained in a vested benefits account for ten years earning just 0.01% interest, and what this reveals about how easily pension assets can be overlooked.
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Why people in their thirties often lose valuable years for building wealth, and why putting all your money into one investment, especially your dream home, can be a mistake.
Myth or Fact?
Daniel and Samuel discuss three common claims:
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Is Bitcoin a safe way to provide for retirement?
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Do you need CHF 1 million to enjoy a comfortable retirement?
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Are vested pension benefits merely an administrative matter?
Guest: Samuel Horn, financial adviser specialising in retirement planning, investments and wealth management.
Host: Daniel Schweizer, property expert and founder of Immobilien-Team Daniel Schweizer.
Book mentioned in this episode: Rich Dad Poor Dad by Robert T. Kiyosaki, a book that helped shape Samuel’s approach to personal finance early on.
