The trip is booked, the suitcase is packed and the vacation fund is hopefully well filled.
Oh no, changing money for the vacation – forgotten?
We often don’t think about how to get the foreign currency we need until just before we leave.
Discover a few quick tips to prevent too much money from your vacation fund going to the bank!
When we think of a household budget, we think of saving and counting pennies. It’s not just about keeping your spending under control and limiting yourself. A household budget helps you to achieve your long-term goals. For example, a major purchase, a home of your own or a longer trip…
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…
If you want to invest in passive pillar 3a products, you are not necessarily spoiled for choice. Many banks do not offer passive pension ETFs, preferring to sell their own, often more expensive active funds. We have therefore done some research and put together a list of the most attractive…
We come across these terms again and again: active funds, passive funds, ETFs. But the fund providers don’t always say exactly what they mean. There are often big differences in the fees. We take a look at where these come from and go along with the passive funds.
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…
In his book “Stocks for Eternity”, J. Siegel writes that nothing is as profitable as investing your money in stocks.
Because in the long term you can only win… And a lot.
But how?
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…
A simple guide for anyone who is investing money in the financial market for the first time and needs a custody account. And also for those who are looking for a cheaper custody account with the right conditions for them.
There are many ways to profit from the financial market. They all start with the fact that you have to start investing. Due to the many offers, this is not easy, but with a few considerations it is not that difficult. So, let’s get started right away.
Smart contracts form the basis for cryptocurrencies and P2P (peer-to-peer) or person-to-person direct transactions between sellers and buyers – without intermediary financial institutions.
The financial market is under pressure – we explain the financial market of tomorrow.
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.
If you want to invest your money today, you are often overwhelmed by a multitude of options. Funds here, structured products there. Yet only a few asset classes form the basis for all possible combinations. Knowing their characteristics and properties is essential when making investment decisions.
Every year, we are eager to see what the financial market has in store. Trade journals and expert portals are full of trends and forecasts. It would be nice if it were so easy to look into the future. Past experience shows that forecasts are almost certainly wrong. So what…
Soon it will be that time again, the moment when we sit comfortably in our armchair with a hot cup of tea, well-fed from all the festive meals, and finally have time to read. We have put together a selection of our favorite financial books for this quiet time. So,…
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…
Low interest rates, rising life expectancy, pension reform. In Switzerland, we rely on three pillars for our pension provision. But these are currently more or less faltering. To what extent can we rely on receiving enough money in old age? Which pillar can we rely on?
The NZZ headlines “Many Swiss have no idea about old-age provision” and SRF 10vor10 reports on a pension fund model that provides for temporary pensions – in the extra-mandatory scheme. We think it’s time to take a closer look at the pension fund. Because that’s what matters.
Sounds logical so far. Have you ever thought about not working until your mid-60s? Some people dream of retiring at 50. Others reckon with the statutory retirement age, but would still like to have the choice. Find out how early retirement works in the Swiss pension system and which considerations…
After an intensive development period, we are delighted to have completed the pension check. We hope you are pleased that you now have a clearer picture of your pension provision. Because the referendum campaign on the 2020 pension reform is heating up. According to a survey by Tamedia, the reform…
According to the Federal Statistical Office, households in Switzerland have a monthly savings potential of CHF 1,500. Similarly, in a study, a quarter of individuals surveyed stated that they had between 500 and 1,500 francs a month left over. Enough to make something of it. But how? The basic rule…
Plan, tackle, implement. Determined like Hannibal and the A-Team. Also sounds sensible when it comes to pensions. And yet we put off making important financial decisions. Find out why this is the case and how you can still make a plan here. So that you can be as successful as…
Answering this question is anything but trivial. Whether you consider yourself a winner or a loser depends on personal factors. For example, your age, gender and income. And last but not least, your attitude. How do you see yourself?
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….
In the fall, we will be voting on the 2020 pension reform. The reduction in the conversion rate for pension funds is currently being discussed in many places. Many people are asking themselves what the reform actually means. How much could I lose? Do I have to do anything?
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…
Why were we all so wrong? The financial crisis, Brexit, the collapse of a company. A low, a high, whatever. The buzzword is the “we”. Because “I” was critical, skeptical, cautious … But “we” were all sooo sure. Why do we happily rush into investments when everyone else is doing…
We humans are rational to a limited extent. This saves us time. But irrationality can have high costs, especially when it comes to financial decisions. Irrational decisions often cannot be clearly identified. This is because even rational decisions are often made unconsciously. We are guided by experiences and feelings and…
