diff --git a/src/components/ElementDetail.tsx b/src/components/ElementDetail.tsx
index 6946e87..78342b5 100644
--- a/src/components/ElementDetail.tsx
+++ b/src/components/ElementDetail.tsx
@@ -44,6 +44,76 @@ function DerivedField({ label, value, help }: { label: string; value: number; he
   );
 }
 
+// PK/3a-Bezugs-Entscheid im normalen Uebergang: Kein Bezug / Bezug (+ Betrag).
+function WithdrawalDecision({
+  td,
+  setT,
+  max,
+  label,
+}: {
+  td: TransitionData;
+  setT: (patch: Partial<TransitionData>) => void;
+  max: number;
+  label: string;
+}) {
+  const mode = td.withdrawalMode ?? "NONE";
+  return (
+    <>
+      <SelectField
+        label="Bezug?"
+        value={mode}
+        onChange={(v: "NONE" | "AMOUNT") => setT(v === "NONE" ? { withdrawalMode: v, withdrawal: 0 } : { withdrawalMode: v })}
+        options={[
+          { value: "NONE", label: "Kein Bezug" },
+          { value: "AMOUNT", label: "Bezug" },
+        ]}
+      />
+      {mode === "AMOUNT" && (
+        <MoneyField
+          label={label}
+          help={`Maximal ${formatChf(max)} (Endwert der Vorphase).`}
+          value={num(td.withdrawal)}
+          max={max}
+          onChange={(v) => setT({ withdrawal: v })}
+        />
+      )}
+    </>
+  );
+}
+
+// Vorbelegung expliziter Entscheide, damit ein blosses "Speichern" den sichtbaren Default
+// (Halten / Kein Bezug / Rente) auch tatsaechlich persistiert.
+export function withTransitionDefaults(category: ElementCategory, isRetirement: boolean, td: TransitionData): TransitionData {
+  const out = { ...td };
+  if (category === "REAL_ESTATE" || category === "OTHER_ASSET") {
+    if (out.decision === undefined) out.decision = "HOLD";
+  } else if (category === "PENSION_FUND") {
+    if (isRetirement) {
+      if (out.payoutMode === undefined) out.payoutMode = "PENSION";
+    } else if (out.withdrawalMode === undefined) {
+      out.withdrawalMode = "NONE";
+    }
+  } else if (category === "PILLAR_3A") {
+    if (!isRetirement && out.withdrawalMode === undefined) out.withdrawalMode = "NONE";
+  }
+  return out;
+}
+
+// "Beantwortet" = ein konkreter Entscheid liegt vor (kein offenes Fragezeichen).
+export function isTransitionAnswered(category: ElementCategory, isRetirement: boolean, td: TransitionData): boolean {
+  switch (category) {
+    case "REAL_ESTATE":
+    case "OTHER_ASSET":
+      return td.decision !== undefined;
+    case "PENSION_FUND":
+      return isRetirement ? td.payoutMode !== undefined : td.withdrawalMode !== undefined;
+    case "PILLAR_3A":
+      return isRetirement ? true : td.withdrawalMode !== undefined;
+    default:
+      return true;
+  }
+}
+
 // --- Wiederverwendbare Feldgruppen (Detail-Panel, Erstell-Popup, Uebergangs-Review) ---
 
 export function ElementPhaseFields({
@@ -285,15 +355,7 @@ export function ElementTransitionFields({
           </>
         );
       }
-      return (
-        <MoneyField
-          label="PK-Bezug (CHF)"
-          help={`Optionaler Bezug. Maximal ${formatChf(context.carriedEndValue)} (Endwert der Vorphase).`}
-          value={num(td.withdrawal)}
-          max={context.carriedEndValue}
-          onChange={(v) => setT({ withdrawal: v })}
-        />
-      );
+      return <WithdrawalDecision td={td} setT={setT} max={context.carriedEndValue} label="PK-Bezug (CHF)" />;
     case "PILLAR_3A":
       if (context.isRetirementTransition) {
         return (
@@ -306,15 +368,7 @@ export function ElementTransitionFields({
           />
         );
       }
-      return (
-        <MoneyField
-          label="3a-Bezug (CHF)"
-          help={`Maximal ${formatChf(context.carriedEndValue)} (Endwert der Vorphase).`}
-          value={num(td.withdrawal)}
-          max={context.carriedEndValue}
-          onChange={(v) => setT({ withdrawal: v })}
-        />
-      );
+      return <WithdrawalDecision td={td} setT={setT} max={context.carriedEndValue} label="3a-Bezug (CHF)" />;
     case "REAL_ESTATE": {
       const decision = td.decision ?? "HOLD";
       return (
diff --git a/src/components/PlanView.tsx b/src/components/PlanView.tsx
index 5ff5421..79630d9 100644
--- a/src/components/PlanView.tsx
+++ b/src/components/PlanView.tsx
@@ -23,6 +23,8 @@ import {
   ElementDetail,
   ElementPhaseFields,
   ElementTransitionFields,
+  isTransitionAnswered,
+  withTransitionDefaults,
   type CellContext,
 } from "@/components/ElementDetail";
 import { PhaseDetail } from "@/components/PhaseDetail";
@@ -36,6 +38,7 @@ import {
   num,
   type ElementCategory,
   type PhaseData,
+  type TransitionData,
 } from "@/lib/elements";
 import type { PhaseComputed, PlanComputed } from "@/lib/calculations";
 import type { ElementInput, PlanInput } from "@/lib/types";
@@ -73,7 +76,6 @@ type Column =
 
 type Selection =
   | { type: "phaseCell"; elementId: string; phaseId: string }
-  | { type: "transitionCell"; elementId: string; fromPhaseId: string }
   | { type: "phase"; phaseId: string };
 
 export function PlanView({
@@ -91,6 +93,7 @@ export function PlanView({
   const [showAddPhase, setShowAddPhase] = useState(false);
   const [showSettings, setShowSettings] = useState(false);
   const [reviewFromPhaseId, setReviewFromPhaseId] = useState<string | null>(null);
+  const [editTransition, setEditTransition] = useState<{ elementId: string; fromPhaseId: string } | null>(null);
 
   const columns = useMemo<Column[]>(() => {
     const cols: Column[] = [];
@@ -185,15 +188,20 @@ export function PlanView({
       const ce = computedElement(fromPhase.id, el.id);
       if (ce && ce.status !== "ACTIVE") continue;
       const td = el.transitionValues[fromPhase.id] ?? {};
-      if (el.category === "REAL_ESTATE" || el.category === "OTHER_ASSET") {
-        if (td.decision === undefined) n++;
-      } else if (el.category === "PENSION_FUND" && isRetirementTransition(el, fromPhase, toPhase)) {
-        if (td.payoutMode === undefined) n++;
-      }
+      const retire = toPhase ? isRetirementTransition(el, fromPhase, toPhase) : false;
+      if (!isTransitionAnswered(el.category, retire, td)) n++;
     }
     return n;
   }
 
+  // Ist der Uebergangs-Entscheid dieses Elements noch offen?
+  function transitionUnanswered(el: ElementInput, fromPhase: PhaseComputed, toPhase: PhaseComputed): boolean {
+    const ce = computedElement(fromPhase.id, el.id);
+    if (ce && ce.status !== "ACTIVE") return false;
+    const retire = isRetirementTransition(el, fromPhase, toPhase);
+    return !isTransitionAnswered(el.category, retire, el.transitionValues[fromPhase.id] ?? {});
+  }
+
   function transitionElements(fromPhase: PhaseComputed): ElementInput[] {
     return plan.elements
       .filter((el) => TRANSITION_CATEGORIES.includes(el.category))
@@ -352,20 +360,17 @@ export function PlanView({
                               );
                             }
                             const canTransition = TRANSITION_CATEGORIES.includes(el.category);
-                            const isSel =
-                              selected?.type === "transitionCell" &&
-                              selected.elementId === el.id &&
-                              selected.fromPhaseId === col.fromPhase.id;
+                            const open = canTransition && transitionUnanswered(el, col.fromPhase, col.toPhase);
                             return (
                               <td
                                 key={`t-${col.fromPhase.id}`}
                                 onClick={() =>
                                   canTransition &&
-                                  setSelected({ type: "transitionCell", elementId: el.id, fromPhaseId: col.fromPhase.id })
+                                  setEditTransition({ elementId: el.id, fromPhaseId: col.fromPhase.id })
                                 }
                                 className={`border-b border-r border-border px-2 py-1.5 text-center text-[11px] ${
-                                  canTransition ? "cursor-pointer text-accent" : "text-faint"
-                                } ${isSel ? "bg-accent-soft" : "bg-accent-soft/40"}`}
+                                  canTransition ? "cursor-pointer" : "text-faint"
+                                } ${open ? "bg-accent font-semibold text-accent-fg" : canTransition ? "bg-accent-soft/40 text-accent" : ""}`}
                               >
                                 {canTransition ? transitionSummary(el, col.fromPhase, col.toPhase) : "→"}
                               </td>
@@ -445,6 +450,28 @@ export function PlanView({
           />
         );
       })()}
+
+      {editTransition && (() => {
+        const element = plan.elements.find((e) => e.id === editTransition.elementId);
+        const fromPhase = computed.phases.find((p) => p.id === editTransition.fromPhaseId);
+        if (!element || !fromPhase) return null;
+        const toIndex = computed.phases.findIndex((p) => p.id === fromPhase.id) + 1;
+        const toPhase = computed.phases[toIndex];
+        const context = buildTransitionContext(fromPhase, toPhase, element);
+        return (
+          <TransitionCellDialog
+            element={element}
+            fromPhase={fromPhase}
+            toPhase={toPhase}
+            context={context}
+            onClose={() => setEditTransition(null)}
+            onSaved={() => {
+              setEditTransition(null);
+              onChanged();
+            }}
+          />
+        );
+      })()}
     </div>
   );
 
@@ -484,32 +511,15 @@ export function PlanView({
     const element = plan.elements.find((e) => e.id === selected.elementId);
     if (!element) return null;
 
-    if (selected.type === "phaseCell") {
-      const phase = computed.phases.find((p) => p.id === selected.phaseId)!;
-      const context = buildPhaseContext(phase, element);
-      return (
-        <ElementDetail
-          element={element}
-          context={context}
-          phaseData={element.phaseValues[phase.id] ?? {}}
-          transitionData={{}}
-          onSaved={onChanged}
-          onDeleteElement={() => deleteElement(element.id)}
-        />
-      );
-    }
-
-    // transitionCell
-    const fromPhase = computed.phases.find((p) => p.id === selected.fromPhaseId)!;
-    const toIndex = computed.phases.findIndex((p) => p.id === fromPhase.id) + 1;
-    const toPhase = computed.phases[toIndex];
-    const context = buildTransitionContext(fromPhase, toPhase, element);
+    // phaseCell
+    const phase = computed.phases.find((p) => p.id === selected.phaseId)!;
+    const context = buildPhaseContext(phase, element);
     return (
       <ElementDetail
         element={element}
         context={context}
-        phaseData={{}}
-        transitionData={element.transitionValues[fromPhase.id] ?? {}}
+        phaseData={element.phaseValues[phase.id] ?? {}}
+        transitionData={{}}
         onSaved={onChanged}
         onDeleteElement={() => deleteElement(element.id)}
       />
@@ -533,10 +543,12 @@ export function PlanView({
         if (isRetirementTransition(el, fromPhase, toPhase)) {
           return td.payoutMode === "CAPITAL" ? "Kapital" : td.payoutMode === "COMBI" ? "Kombi" : td.payoutMode === "PENSION" ? "Rente" : "?";
         }
-        return num(td.withdrawal) > 0 ? `−${formatChf(num(td.withdrawal))}` : "→";
+        if (td.withdrawalMode === undefined) return "?";
+        return td.withdrawalMode === "AMOUNT" && num(td.withdrawal) > 0 ? `−${formatChf(num(td.withdrawal))}` : "Kein Bezug";
       case "PILLAR_3A":
         if (isRetirementTransition(el, fromPhase, toPhase)) return "Bezug";
-        return num(td.withdrawal) > 0 ? `−${formatChf(num(td.withdrawal))}` : "→";
+        if (td.withdrawalMode === undefined) return "?";
+        return td.withdrawalMode === "AMOUNT" && num(td.withdrawal) > 0 ? `−${formatChf(num(td.withdrawal))}` : "Kein Bezug";
       case "OTHER_DEBT":
         return num(td.immediateRepayment) > 0 ? "Tilgung" : "→";
       default:
@@ -881,8 +893,10 @@ function TransitionReviewDialog({
   onClose: () => void;
   onSaved: () => void;
 }) {
-  const [tds, setTds] = useState<Record<string, import("@/lib/elements").TransitionData>>(() =>
-    Object.fromEntries(elements.map((e) => [e.id, { ...(e.transitionValues[fromPhase.id] ?? {}) }]))
+  const [tds, setTds] = useState<Record<string, TransitionData>>(() =>
+    Object.fromEntries(
+      elements.map((e) => [e.id, withTransitionDefaults(e.category, isRetirement(e), e.transitionValues[fromPhase.id] ?? {})])
+    )
   );
   const [saving, setSaving] = useState(false);
   const [error, setError] = useState<string | null>(null);
@@ -951,6 +965,60 @@ function TransitionReviewDialog({
   );
 }
 
+// --- Dialog: einzelner Übergangs-Entscheid (per Klick auf eine Übergangszelle) ---
+function TransitionCellDialog({
+  element,
+  fromPhase,
+  toPhase,
+  context,
+  onClose,
+  onSaved,
+}: {
+  element: ElementInput;
+  fromPhase: PhaseComputed;
+  toPhase: PhaseComputed | undefined;
+  context: CellContext;
+  onClose: () => void;
+  onSaved: () => void;
+}) {
+  const [td, setTd] = useState<TransitionData>(() =>
+    withTransitionDefaults(element.category, context.isRetirementTransition, element.transitionValues[fromPhase.id] ?? {})
+  );
+  const [saving, setSaving] = useState(false);
+  const [error, setError] = useState<string | null>(null);
+
+  async function save() {
+    setSaving(true);
+    setError(null);
+    try {
+      await api.put(`/api/elements/${element.id}/transition/${fromPhase.id}`, td);
+      onSaved();
+    } catch (e) {
+      setError(e instanceof Error ? e.message : "Speichern fehlgeschlagen.");
+    } finally {
+      setSaving(false);
+    }
+  }
+
+  return (
+    <DialogShell title={`Übergang: ${element.name}`} onClose={onClose}>
+      <div className="text-xs text-muted">
+        {CATEGORY_LABELS[element.category]} · {fromPhase.name} → {toPhase?.name ?? "Ende"}
+      </div>
+      <div className="grid grid-cols-1 gap-3 sm:grid-cols-2">
+        <ElementTransitionFields
+          element={element}
+          context={context}
+          td={td}
+          setT={(patch) => setTd((prev) => ({ ...prev, ...patch }))}
+        />
+      </div>
+      {error && <p className="text-sm text-danger">{error}</p>}
+      <DialogActions saving={saving} onConfirm={save} onClose={onClose} confirmLabel="Speichern" />
+    </DialogShell>
+  );
+}
+
 // --- gemeinsame Dialog-Bausteine ---
 function DialogShell({
   title,
diff --git a/src/lib/elements.ts b/src/lib/elements.ts
index 306af5e..d149e58 100644
--- a/src/lib/elements.ts
+++ b/src/lib/elements.ts
@@ -74,7 +74,8 @@ export type TransitionDecision = "HOLD" | "SELL";
 export type PkPayoutMode = "CAPITAL" | "PENSION" | "COMBI";
 
 export interface TransitionData {
-  // PENSION_FUND / PILLAR_3A (normaler Uebergang)
+  // PENSION_FUND / PILLAR_3A (normaler Uebergang): expliziter Bezugs-Entscheid.
+  withdrawalMode?: "NONE" | "AMOUNT";
   withdrawal?: number;
   // PENSION_FUND (Pensions-Uebergang)
   payoutMode?: PkPayoutMode;
@@ -112,6 +113,7 @@ export const phaseDataSchema = z
 
 export const transitionDataSchema = z
   .object({
+    withdrawalMode: z.enum(["NONE", "AMOUNT"]).optional(),
     withdrawal: nonNeg.optional(),
     payoutMode: z.enum(["CAPITAL", "PENSION", "COMBI"]).optional(),
     capitalAmount: nonNeg.optional(),