An increasing number of individuals in Switzerland are opting to withdraw their entire pension savings as a lump sum rather than receive monthly benefits. This trend, which has surged particularly among those with smaller pension balances, poses significant risks as many underestimate their longevity and overestimate the sustainability of their funds. Experts warn this could lead to future social welfare challenges as taxpayers may end up shouldering the burden of retirees who outlive their savings. Calls are being made to reconsider the tax incentives that promote lump-sum withdrawals and strengthen financial transparency.