I am Thomas
and I am convinced that you too can improve your financial situation.
I am happy to share with you the broad knowledge I have gained over 30 years as a private investor in almost all asset classes and from two pension schemes. Shall we get started right away?
Find the best pillar 3a
Unbelievable – most people pay too much for their pillar 3a and get too little return. Are you one of them? Find out which pillar 3a is best suited to you with just a few clicks in our free comparison.
How much longer do I have to work? How much money will I get later in life?
Based on your personal input, the pension calculator determines in 1 minute how much income you will receive each year at retirement age from 1, 2nd and 3rd pillar each year.
Mach den ersten Schritt zur finanziellen Unabhängigkeit
In einer Minute siehst du deine Vermögensentwicklung und dein Einkommen während der Rente.
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finpension 3a Experience and Review 2025
Already had experience with finpension 3a? Many people think of VIAC when they think of securities in pillar 3a because of the low fees. But with finpension it’s even cheaper. We have known and used finpension for a long time. Benefit from our experience and the finpension 3a voucher code SMLUTQ.
Invest in pillar 3b: Self-determined action for later life
You are already familiar with the three-pillar pension system in Switzerland and know how important pillar 3a is for you. But are you also familiar with pillar 3b and the differences to pillar 3a? Read on and find out what it means to invest in pillar 3b. Third pillar – voluntarily saving now for life…
Investing for beginners. With these 8 tips, you’re on the right track
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 use to invest in shares…
Tax deductions: How to save taxes with deductions and lump sums for 2024
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 taxes with tax deductions?
Discover our best deductions!
I use these products myself.
People keep asking me which providers I use and why. You can see this in the following overview.
| Category | Provider | Argument | Bonus on opening |
| Save ETF | findependent | Very affordable, simple app solution | With Code Smolio, 3,000 francs are managed free of charge for life. |
| Private account | Raiffeisen | Free account with no monthly fee; MasterCard gives free admission to 700 museums | |
| Health insurance | PrimInfo | Every year I check which basic health insurance company offers my doctor the HMO model | |
| Credit card | Certo! One | 1% cashback at 3 favorite retailers. No card fee. | 50 francs starting credit |
| Pillar 3a | finpension | Very low total costs | with code SMLUTQ 25 CHF bonus |
| Webhosting | Servertown | Affordable web hosting in Switzerland | |
| Securities custody account | Swissquote | for custody account value <1mio flat-fee custody account fee; Flat-fee ETF trading for 9,- CHF | 100,- Trading Credit |
Notice
Wir sind dir dankbar, wenn du bei einer Kontoeröffnung unseren Code nutzt. Wir erhalten dann eine kleine Vergütung. Für dich wird es dadurch nicht teurer und wir können die Kosten für den Betrieb der Plattform decken. Wir freuen uns auch, wenn du uns einen Kaffee spendierst ☕️.
