The OASI pension, i.e. benefits from the first pillar, can be drawn at the earliest two years before regular retirement. As soon as the OASI reform comes into effect, it will be possible to draw a portion of your pension (between 20% and 80%) early and defer the rest.
With the second pillar, your occupational pension fund, you have the option of taking out your pension benefits as a lump sum, as an annuity or a combination of both.
Many pension funds already offer the option of partial retirement. For example, those who reduce their working hours from 100% to 60% at the age of 63 can then draw 40% of their annuity or pension capital. Under the OASI reform, all pension funds are obliged to facilitate this form of partial retirement.
Depending on the terms of your pension fund, you can often draw the benefits from your pension as early as 58 or 60. However, the consequence of this is that the pension capital / annuities paid out will be permanently lower than in the case of ordinary retirement. This is because the pension capital that you have saved will be correspondingly smaller.
Currently, you may draw funds from pillar 3a five years before regular retirement age, i.e. at age 59 for women and 60 for men at the earliest.