{"id":8656,"date":"2020-02-04T22:23:30","date_gmt":"2020-02-04T21:23:30","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/saving-for-old-age-what-type-of-saver-are-you\/"},"modified":"2024-11-27T11:18:56","modified_gmt":"2024-11-27T10:18:56","slug":"saving-for-old-age-what-type-of-saver-are-you","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/saving-for-old-age-what-type-of-saver-are-you\/","title":{"rendered":"Saving for old age: what type of saver are you?"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Saving for old age.\nSure, what you can do today, I\u2019m happy to put off until tomorrow.\nBetter to live now, later is still possible.\nRight?\nGet to know the five key factors that determine how much money you\u2019ll get later.\nAnd no matter what type of saver you are, find out how you can get even more for yourself.       <\/span><\/p>\n\n<!--more-->\n\n<h2 class=\"wp-block-heading\" id=\"h-deinen-ruhestand-bereitest-du-mit-25-vor-und-nicht-erst-mit-55-oder-60\">You prepare for your retirement at 25 and not at 55 or 60<\/h2>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Many people think I can save for my old age later. When I\u2019m old. Later is still soon enough. Who knows if I\u2019ll even live to see it? If you share this opinion, you should definitely take a look at the <a href=\"https:\/\/www.smolio.ch\/wissen\/zinseszins-effekt-dein-verbuendeter-fuer-die-altersvorsorge\/\">story <\/a>of Sissa bin Dahir. He became so rich that his boss went bankrupt. Because of the compound interest effect. And it works really well if you start preparing for your retirement at 25 and not at 55. When it comes to retirement planning, there is never \u201ctoo early\u201d, only \u201ctoo late\u201d. That\u2019s why it\u2019s important that you don\u2019t just rely on the <a href=\"https:\/\/www.smolio.ch\/wissen\/ahv21-staf-und-bvg-reform\">AHV and pension fund<\/a>. Because you\u2019ll <a href=\"https:\/\/www.smolio.ch\/wissen\/durchschnittliche-pensionskassenrente-alles-im-gruenen-bereich\">always end up with less<\/a>. That\u2019s why it\u2019s a good idea to do a little research into private pension provision. Let\u2019s do it.           <\/span><\/p>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-74fea75 stk-block-background\" data-block-id=\"74fea75\"><p class=\"stk-table-of-contents__title\">This is what the article \u201cSaving for old age\u201d is about<\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#h-deinen-ruhestand-bereitest-du-mit-25-vor-und-nicht-erst-mit-55-oder-60\">You prepare for your retirement at 25 and not at 55 or 60<\/a><\/li><li><a href=\"#h-sparen-furs-alter-worauf-kommt-es-bei-der-finanziellen-planung-an\">Saving for old age: what is important when it comes to financial planning?<\/a><\/li><li><a href=\"#funf-einflussfaktoren-haben-den-grossten-einfluss-beim-sparen-furs-alter\">Five factors have the greatest influence on saving for old age\u00a0<\/a><\/li><li><a href=\"#h-sparen-furs-alter-die-sieben-spartypen\">Saving for old age: the seven types of savings<\/a><\/li><li><a href=\"#sparen-furs-alter-die-hoffnungsvollen-spartypen\">Saving for old age: the hopeful types of savers<\/a><\/li><li><a href=\"#sparen-furs-alter-die-anpackenden-spartypen\">Saving for old age: the hands-on savers<\/a><\/li><li><a href=\"#zusammenfassung-sparen-furs-alter-welcher-spartyp-bist-du\">Summary Saving for old age: what type of saver are you?<\/a><\/li><\/ul><\/nav>\n\n<h2 class=\"wp-block-heading\" id=\"h-sparen-furs-alter-worauf-kommt-es-bei-der-finanziellen-planung-an\">Saving for old age: what is important when it comes to financial planning?<\/h2>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">I used to think it would be easy for everyone to put something aside for private provision. Of course, a few principles help: spend less than you could. <a href=\"https:\/\/www.smolio.ch\/wissen\/finanzen-optimieren-2024\/\">Pay<\/a> yourself first. Keep track of how much you <a href=\"https:\/\/www.smolio.ch\/wissen\/spass-muss-sein-budgetplanung-mit-spassquote\">spend on what<\/a>. Use <a href=\"https:\/\/www.smolio.ch\/wissen\/zinseszins-effekt-dein-verbuendeter-fuer-die-altersvorsorge\/\">compound interest<\/a>. I now believe that much of your financial life also depends on your circumstances.      <\/span><\/p>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">But no matter what your circumstances are and what type of saver you are at the moment, you can\u2019t sit back comfortably, casually and apologetically.\nAlong the lines of \u201cI can\u2019t do any more\u201d.\nNor is it the case that people with a favorable starting position are automatically super on track with saving for old age.\nDifferent circumstances just mean that some of us may find it easier to get a grip on our finances.\nBut you can do it too.      <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-97f8fca\" id=\"funf-einflussfaktoren-haben-den-grossten-einfluss-beim-sparen-furs-alter\" data-block-id=\"97f8fca\"><h2 class=\"stk-block-heading__text\">Five factors have the greatest influence on saving for old age  <\/h2><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">They determine what your finances will look like in retirement. Four of these five are definitely within your control: <\/span><\/p>\n\n<ol class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><span style=\"font-weight: 400\">how much money you earn (income)<\/span><\/li>\n\n\n\n<li data-block-type=\"core\"><span style=\"font-weight: 400\">when you start saving (start of saving)<\/span><\/li>\n\n\n\n<li data-block-type=\"core\"><span style=\"font-weight: 400\">how much you save from your income (savings rate)<\/span><\/li>\n\n\n\n<li data-block-type=\"core\"><span style=\"font-weight: 400\">when you want to retire (start of retirement)<\/span><\/li>\n\n\n\n<li data-block-type=\"core\"><span style=\"font-weight: 400\">what return you achieve on your assets (yield)<\/span><\/li>\n<\/ol>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">What do you have the least influence on, but what is most often addressed by your bank in your private pension provision? Point 5, the return on your investments. The return on the capital market is beyond your control. You can expect around 7% in the long term if you invest in shares. (I\u2019ll write a separate article on what realistic returns are in the near future). When it comes to returns, you can easily optimize your finances with little effort. Your greatest leverage lies in factors 1 to 4, which are within your sphere of influence and which YOU have under control.        <\/span><\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-sparen-furs-alter-die-sieben-spartypen\">Saving for old age: the seven types of savings<\/h2>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">In conversations, we repeatedly see different patterns of how people deal with putting money aside <em>today<\/em> for <em>later<\/em>.\nThese patterns were also uncovered in a <a href=\"\" target=\"\" rel=\"\">study<\/a> conducted by the ZHAW, in which bank and insurance advisors were first asked about their customers and then 1,000 Swiss people between the ages of 25 and 65 were surveyed in a representative mix.\nLet\u2019s take a closer look at these patterns.\nThey can be broken down into three hopeful and four proactive savings types.\nDo you recognize yourself in one of the savings types?\nWe\u2019ll tell you what you can do if you do.       <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-c28005d\" id=\"sparen-furs-alter-die-hoffnungsvollen-spartypen\" data-block-id=\"c28005d\"><h2 class=\"stk-block-heading__text\">Saving for old age: the hopeful types of savers<\/h2><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-078d94f\" id=\"der-nicht-sparer\" data-block-id=\"078d94f\"><h3 class=\"stk-block-heading__text\">The non-saver<\/h3><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Unfortunately, there is a group of Swiss people who are unable or unwilling to save for their old age. This group will have to rely heavily on social insurance to finance their retirement. Because the    <\/span><a href=\"https:\/\/www.smolio.ch\/wissen\/durchschnittliche-pensionskassenrente-alles-im-gruenen-bereich\"><span style=\"font-weight: 400\">Performance target<\/span><\/a><span style=\"font-weight: 400\">  of the first and second pillar is 60% for an income of CHF 85,320.\nWhat you are likely to receive from the state system is too little based on the rule of thumb of 80% requirement of the last income.   <\/span><\/p>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">You have to do something yourself, and <a href=\"https:\/\/www.smolio.ch\/wissen\/berufliche-vorsorge-hoehere-einkommen-sind-selbst-gefordert\">the higher your income<\/a>, the more urgent it is. Yet 27% of women and 15% of men <a href=\"https:\/\/www.zhaw.ch\/storage\/sml\/dienstleistung\/zhaw-abf-vorsorgestudie-2016.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">say<\/a> they have no private pension provision; just over half (55%) say this is because they have \u201cno money left over\u201d. Perhaps these tips will help you <a href=\"https:\/\/www.smolio.ch\/wissen\/iss-das-marshmalder-zu-tun-haben\">set goals<\/a> and start small. Frankly, we don\u2019t think you belong to this group, as you are reading this article and taking the first step towards saving for retirement.   <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-7839958\" id=\"der-spartyp-aufschieber\" data-block-id=\"7839958\"><h3 class=\"stk-block-heading__text\">The procrastinator savings type<\/h3><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Almost a seventh of the population belongs to this group. They prefer to spend their money. Maybe I won\u2019t even be alive next month? I\u2019m still young now, I want to experience something. It\u2019ll work out somehow, the AHV and pension fund will sort it out and otherwise there\u2019s bound to be a standard pension later on?      <\/span><\/p>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Those waiting already have a certain understanding and knowledge of finances and pensions, but are still somehow <em>overwhelmed<\/em>. They think about their retirement provision and are prepared to do something about it. And yet they procrastinate and put things off. If you\u2019re here, you could be part of this group, because they do most of their research online. You know that you have to save for your old age, that you have to put something aside privately. But you always find a good reason to <em>put<\/em> it <em>off until later<\/em>. Because there are so many choices and decisions to make. Or because you will start saving when you are ready.         <\/span><\/p>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">We\u2019re telling you: Now is good.\nJust start designing factor 2.\nFor factor 3, the savings rate, perhaps you start with 15% of your income per month?\nThat would be <a href=\"\">the Swiss savings average<\/a>.\n <a href=\"\">Daniel and Philipp\u2019s story<\/a> shows you the effect of starting to save earlier.    <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-3026bcd\" id=\"der-spartyp-vogel-strauss\" data-block-id=\"3026bcd\"><h3 class=\"stk-block-heading__text\">The savings type Vogel-Strauss<\/h3><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Just under a quarter of the population is among the disoriented.\nAs with procrastinators, this group includes many younger people.\nThey prefer to spend money rather than save it.\nUnlike the procrastinators, however, the Straussians have <em>little knowledge<\/em> of financial and pension issues.\nThey live with the contradiction that they do not trust the state system and are most afraid of poverty in old age and should therefore take action themselves with private provision \u2013 but do not do so.\nThe same applies to the ostriches among us: simply start with a small savings rate (factors 2 and 3).\nNow.\nDo you need support?        We are here for you.  <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-cc71322\" id=\"sparen-furs-alter-die-anpackenden-spartypen\" data-block-id=\"cc71322\"><h2 class=\"stk-block-heading__text\">Saving for old age: the hands-on savers<\/h2><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Almost six out of ten Swiss people have implemented pension measures themselves.\nThey are interested in their financial situation in retirement.\nA large proportion of this group are people who will be retiring relatively soon.\nThis is why the level of financial and pension awareness in this group is also comparatively high.\nThere are different types of savings in this group.    <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-1ce4aff\" id=\"der-newbie\" data-block-id=\"1ce4aff\"><h3 class=\"stk-block-heading__text\">The newbie<\/h3><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Newbies are comparatively young.\nThey are only just starting to save for their old age and are making mistakes \u2013 but at least they are trying.\nAnd that\u2019s a good thing, because when you\u2019re young, it\u2019s most important to start and learn to save.\nNewbies can still optimize 4 out of 5 factors for themselves.\nBe it in terms of income growth, increasing the savings rate, choosing their retirement age or optimizing returns.\nFor example, by opting for <a href=\"\">passive products<\/a> (index funds or ETFs) instead of active funds.\nIncidentally, there are also <a href=\"\">passive funds for pillar 3a<\/a> that you can use to optimize your returns.        <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-31c2637\" id=\"der-last-minute-sparer\" data-block-id=\"31c2637\"><h3 class=\"stk-block-heading__text\">The last minute saver<\/h3><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">As a late starter, the<\/span>last minute saver <span style=\"font-weight: 400\">has<\/span> <span style=\"font-weight: 400\">The newbies have a few structural disadvantages when it comes to saving for retirement.\nThe compound interest effect is no longer as exponentially strong for them because their time horizon until retirement is much shorter than that of the newbies.\nAnd the closer he gets to retirement age, the less risky the investments should be.\nThis reduces their expected investment return.\nIn addition, the late starter has become accustomed to a lifestyle that makes increasing the savings rate tedious and stressful.      <\/span><\/p>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">In addition to trying to increase their income, late starters still have the option of increasing their savings rate, thinking about when to retire or optimizing the return on their investments (taking more risk or choosing products with lower costs). <a href=\"https:\/\/www.smolio.ch\/wissen\/zinseszins-effekt-dein-verbuendeter-fuer-die-altersvorsorge\">Using the example<\/a> of Daniel (45) and Philipp (25), you can see that last-minute saver Daniel needs to save three times more per month than newbie Philipp if he wants to have the same amount of assets as Philipp at 65. You can find out how the timing of your retirement will affect your pension in the pension calculator <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\"> <\/a>determine.<\/span><\/p>\n\n<p data-block-type=\"core\"><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu\u0308bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-909a406\" id=\"der-schlaufuchs\" data-block-id=\"909a406\"><h3 class=\"stk-block-heading__text\">The Schlaufuchs<\/h3><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">The Schlaufuchs is also one of the actors. His motto is \u201cHelp yourself and you will be helped\u201d. That\u2019s why he regularly saves a reasonable percentage of his income. He has thought through his finances and is well on the way to saving for his old age. He has a good understanding of the 5 factors, but still has some untapped potential. In line with his lifestyle, he has thought about how much he wants to save. Because his <a href=\"https:\/\/www.smolio.ch\/wissen\/spass-muss-sein-budgetplanung-mit-spassquote\">savings rate<\/a> is as individual as you are.        <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d08073e\" id=\"der-fire-sparer\" data-block-id=\"d08073e\"><h3 class=\"stk-block-heading__text\">The FIRE saver<\/h3><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Of course, the supporters of the <a href=\"https:\/\/www.smolio.ch\/wissen\/finanzielle-unabhaengigkeit\">FIRE movement<\/a> are also among those taking action. Many FIRE supporters are millennials, i.e. people born in the 1980s and 1990s. However, their focus is not on saving for old age, but on the desire for financial independence. FIRE savers therefore take a close look at their finances and think very carefully about how they can optimize the 5 factors for themselves.     <\/span><\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-c4c6b98\" id=\"zusammenfassung-sparen-furs-alter-welcher-spartyp-bist-du\" data-block-id=\"c4c6b98\"><h2 class=\"stk-block-heading__text\">Summary Saving for old age: what type of saver are you?<\/h2><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">Essentially, five factors determine how much money you will have later in retirement: income, start of savings, savings rate, time of retirement and the return on your investments.\nNo matter what type of saver you are, you can still prepare your finances for retirement: You can almost certainly make some improvements when it comes to saving for retirement.\nAfter all, you can influence most of the factors that determine your future income yourself.\nThat\u2019s why we say: Level up!\nWhat does it take for you to move up a level as a saver of any kind?\nFor you to go from a procrastinator or ostrich to a newbie or a newbie?\nSo that a worry becomes your provision?      <\/span><\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-fuedgq1 stk-block-background callout\" data-block-id=\"fuedgq1\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-fuedgq1{background-color:#02b875 !important;margin-bottom:40px !important}.stk-fuedgq1:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-fuedgq1-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-pinnbpw\" data-v=\"4\" data-block-id=\"pinnbpw\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-pinnbpw-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-pinnbpw-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-d0ksq7j\" data-block-id=\"d0ksq7j\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu\u0308bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ms65fcy\" data-v=\"4\" data-block-id=\"ms65fcy\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ms65fcy-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-ms65fcy-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Saving for old age. Sure, what you can do today, I\u2019m happy to put off until tomorrow. Better to live now, later is still possible. Right? Get to know the five key factors that determine how much money you\u2019ll get later. And no matter what type of saver you are,&#8230;<\/p>\n","protected":false},"author":8,"featured_media":4304,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2175,2209,2176],"tags":[2188,2190,2349,2379,2191,2211,2459,2390,2205,2203,2189],"class_list":{"0":"post-8656","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-optimize-finances","8":"category-financial-independence","9":"category-retirement-and-pension-planning","10":"tag-abstinence-from-consumption","11":"tag-budget-planning","12":"tag-early-retirement","13":"tag-financial-planning","14":"tag-household-budget","15":"tag-invest-for-the-long-term","16":"tag-pension-provision","17":"tag-provision-for-old-age","18":"tag-retirement","19":"tag-retirement-provision","20":"tag-save"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead-315x210.jpg",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead-800x533.jpg",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead-768x512.jpg",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",1041,694,false],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",540,360,false],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",220,147,false],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead.jpg",360,240,false],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead-400x267.jpg",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/12230047\/smolio-sparen-alter-spartyp-young-redhead-300x300.jpg",300,300,true]},"post_excerpt_stackable_v2":"<p>Lesedauer 7 Minuten Saving for old age. Sure, what you can do today, I\u2019m happy to put off until tomorrow. Better to live now, later is still possible. Right? Get to know the five key factors that determine how much money you\u2019ll get later. And no matter what type of saver you are, find out how you can get even more for yourself. You prepare for your retirement at 25 and not at 55 or 60 Many people think I can save for my old age later. When I\u2019m old. Later is still soon enough. Who knows if I\u2019ll even&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/optimize-finances\/\" rel=\"category tag\">Optimize finances<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/financial-independence\/\" rel=\"category tag\">Financial independence<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/retirement-and-pension-planning\/\" rel=\"category tag\">Retirement and pension planning<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8656","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8656"}],"version-history":[{"count":3,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8656\/revisions"}],"predecessor-version":[{"id":9524,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8656\/revisions\/9524"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/4304"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8656"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8656"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8656"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}