You have a large amount of money in your account and are asking yourself: “How can I make more out of it, how can I invest the money safely?” Or have you received a large amount, for example as a bonus payment, 13th salary or inheritance? Discover how you can…
Author at Smolio
Thomas Walke
Partner
Focus: Pensionskasse und berufliche Vorsorge, Säule 3a, ETF-Investieren, Pensionsplanung, Steueroptimierung
About Thomas Walke
Ich bin Finanzcoach und Gründer von Smolio, der unabhängigen Plattform für Vorsorge- und Finanzthemen in der Schweiz. Hier zeige ich dir, wie das Schweizer 3-Säulen-System, die Säule 3a und deine Pensionskasse für dich konkret funktionieren, ohne dass ich dir dabei Finanzprodukte verkaufe.
Meine Erfahrung stammt nicht nur aus der Theorie. Als Stiftungsrat und Vizepräsident der Anlagekommission bei comPlan, der Pensionskasse der Swisscom, sitze ich seit Jahren mittendrin in den Entscheidungen, die deine zweite Säule betreffen. Nebenbei doziere ich an der FHGR und an der HSLU/IFZ und habe zwei Bücher geschrieben, «Mehr Geld zum Leben» mit dem FISS-Budgetmodell sowie «Retire Early, The Simple Guide» zur finanziellen Unabhängigkeit.
Seit über 30 Jahren bin ich selbst Privatanleger, mittlerweile in fast allen Anlageklassen und über zwei Vorsorgesysteme hinweg. Genau dieses Erfahrungswissen, kombiniert mit meiner Arbeit bei comPlan und meinem Doktortitel in Wirtschaftsinformatik, ist die Basis von allem, was du auf Smolio liest.
Dabei ist mir eine klare Rolle wichtig. Ich bin Finanzcoach mit viel Praxiswissen und kein zertifizierter oder regulierter Berater. Du liest meine Meinung und meine fundierten Erfahrungen, triffst aber alle Entscheidungen in eigener Verantwortung.
Experience and credentials
Dr. rer. pol. (Wirtschaftsinformatik). Studium der Betriebswirtschaft mit Schwerpunkten Bankbetriebslehre und Kapitalmarkttheorie sowie Unternehmensrechnung. Stiftungsrat und Vizepräsident der Anlagekommission bei comPlan mit einem investierten Vermögen von über 13 Milliarden Franken. Dozent an der Fachhochschule Graubünden (FHGR) und am Institut für Finanzdienstleistungen Zug (IFZ) der HSLU. Autor der Bücher «Mehr Geld zum Leben» und «Retire Early, The Simple Guide». Beide kannst du bei Amazon kaufen. Referent für Vorsorge-Webinare, etwa bei Corinne Brecher.
Articles by Thomas Walke
Tired of low interest rates on your pillar 3a retirement savings account and want to make your retirement savings work harder for you?
Switch your pillar 3a and get more out of your money.
You’ll get much more out of securities in the long term than a savings booklet.
That’s why we’ve looked at the best offers for pillar 3a with securities.
But how exactly does switching pillar 3a actually work?
We tried it out and show you step by step.
The Federal Statistical Office (FSO) published the new pension fund statistics in December 2018 . published. This contains a wealth of statistical information on the state of occupational pensions in Switzerland. How do you think the average pension fund pension has developed in recent years? Which statement about the pension…
What are missing years? Missing years are years in the AHV contribution period in which your account has gaps in contributions. This is because how much AHV pension you will receive in the future depends on how many contributions you have paid and for how long. Shortfall years are therefore…
Early withdrawal for home ownership (WEF) means that you use your pension assets before retirement to finance owner-occupied residential property. Dazu kannst du Mittel ganz oder teilweise auszahlen lassen oder verpfänden.
New year, new plans for your private pension? We talk to Daniel Peter from VIAC about pillar 3a. Like us at Smolio, Daniel wants to make a contribution to better pension provision in Switzerland with his company VIAC. In this interview, he explains how VIAC came about, shares his views on pillar 3a and provides valuable background information and tips.
Every pension fund must always be in a position to meet its obligations to its insured members. A simple indicator shows whether it is able to do so: the coverage ratio. It shows the ratio between the assets and the obligations of a pension fund. Underfunding means that the coverage…
A pension fund must be able to cover its obligations at all times. A simple key figure indicates whether it is able to do this: the coverage ratio. It shows the ratio between the value of the assets and the liabilities of a pension fund.
The mandatory benefits are minimum benefits that you receive from the 2nd pillar.
Your pension income depends on the regulations in the Swiss pension system and your own pension provision. What will change in the Swiss pension system in 2019? And how will this affect your future pension? There will be some changes from January 2019. Read on and keep an eye on…
AHV stands for “old-age and survivors’ insurance”. It is the cornerstone of pension provision in Switzerland and is therefore also known as the 1st pillar.
Vested benefits are money that you are entitled to if you leave a pension fund before it pays out benefits for you. The vested benefits are also known as termination benefits or vested benefits money.
Your retirement assets in the pension fund are the largest financial asset for most of us. What actually influences how much you can accumulate? Well, how much retirement assets you can build up in your occupational pension fund essentially depends on four factors. These are
50% of Swiss between the ages of 18 and 30 do not have a 3rd pillar. That is twice as many compared to all adults. The reasons for this are their young age and lack of know-how. But when is the right time to take precautions? And what does it…
Your pension fund is probably your biggest financial asset. It provides you with an annual report in the form of a pension fund statement. Nicole doesn’t really understand her pension fund statement. Do you feel the same way? We shed some light on the subject and clarify the most important…
Sandra is irritated. Yesterday everyone was saying that Facebook was deadly safe and today she hears and reads that the share price has plummeted by over 20 %. And she’s supposed to invest in shares? Pure casino! We take Sandra by the hand and show her which tips she can…
The latest pension fund study shows that the 2nd pillar is running out of money. The pension funds have taken measures to secure our pensions – but at a lower level. In particular, incomes over CHF 78,000 will receive less under this system. Those who earn more should make their…
The stock market can be somewhat confusing for beginners. Over the last few decades, we and many investors have gained insights that provide guidance and simplify investing in shares. We are guided by this.
Your income in retirement depends largely on the framework conditions of our social security system and your own pension provision. What will change in 2018? First things first: there are no significant changes to Swiss social insurance in 2018. The maximum amount for 2018 for payments into pillar 3a for…
When saving in pillar 3a, you also have the option of investing your money in funds in addition to the traditional savings account. For some time now, these have also been available with a higher equity component. Let’s take a look at how you can make even more of your…
Reto is 34 years old and is looking forward to spring – he can finally get out on his mountain bike more often. His thoughts are of sunshine, mountains and nature. Understandable! And yet Reto should pay in his pillar 3a at the beginning of the year. We show you…
We pay taxes either all at once or in fixed tax installments. Paying taxes in advance means voluntarily paying the taxes you expect to pay in advance. This can be worthwhile. Why?
The 3rd pillar is your voluntary, private pension provision for retirement. How well do you know about it? We clear up the most common pillar 3a misconceptions and myths. Are you right about all the questions? Find out.
With the pillar 3a tax deduction, you can save taxes with pillar 3a.
This is not only worthwhile because you have made provisions for later.
But also because you pay less tax today.
The pillar 3a tax deduction can make all the difference, especially when tax progression kicks in.
Discover our 7 best tax tips for pillar 3a.
Tax deductions ensure that you don’t contribute more money than necessary to these tasks. This is because tax deductions reduce your taxable income. How can you save tax with tax deductions? Discover the best deductions.
A simple guide for anyone who wants to buy an automatically managed fund for the first time and is looking for the right product. And also for those who are looking for a way to invest their money for fewer fees.
ETFs are very popular with investors. The comparatively low costs of passive funds and the diversified risks are attractive. Long-term investors can thus invest relatively stress-free. Morningstar, a listed financial information and analysis company, has published its 2017 annual report about the providers of active and passive funds. Find out…
When it comes to asset classes, investing in the capital market is less about either-or.
What counts is the right mix.
And that’s what we look at here.
As we have already written, “the more you pay into the pension fund, the more you get out”. Although your employer chooses your pension fund, you have a choice with many pension funds. You can voluntarily choose a higher savings option, make a pension fund purchase or make an early…
Would you rather have a marshmallow now or two later? In other words: are you prepared to do without something today in order to have more when you retire? We want to enjoy life to the full here and now and often find it difficult to save for old age….
How much money a pensioner needs in Switzerland varies from person to person. What you can assume, however, is that as a retired person you will have much less than today without your own precautionary measures. And around 40% less income that you have to get by with. How does…
