elleXX has been offering elleXX Pillar 3a, a digital pension product, since the beginning of November 2021.
With this product, elleXX aims to close the gender pension gap.
We do the fact check for you.
How good is elleXX Pillar 3a?
VIAC pillar 3a fees: How does VIAC compare with frankly and finpension? What is included in the fees and what is not?
VIAC Life is free insurance cover for securities savings with VIAC for pillar 3a or for vested benefits. But what exactly is VIAC Life basic protection? What are the benefits of basic protection? Should I choose death risk or disability risk cover? We asked critical questions and provide the answers…
Two factors determine your pension amount in old age. Firstly, what changes will be made to the key pension figures in 2021 (AHV and occupational benefits). And secondly, what you do privately in your own pension provision in the third pillar 3a and 3b. Like every year, a lot will…
The corona crash has shaken up the financial markets worldwide. Valuation levels have changed dramatically. What was in demand yesterday is out today, supposedly safe asset classes have fallen in unison with the prices of the stock markets. What does this mean for you, your financial independence, your financial decisions…
Saving for old age. Sure, what you can do today, I’m happy to put off until tomorrow. Better to live now, later is still possible. Right? Get to know the five key factors that determine how much money you’ll get later. And no matter what type of saver you are,…
Various reforms to the Swiss pension system are underway. WTF does STAF mean? And what is in store for me with the planned AHV21 and BVG reform? How much longer will I have to work and what will happen to my pension? We provide the facts and explain what the…
How much you get later depends on two factors. Firstly, how the Swiss pension system works in 2020 (AHV and occupational benefits) and secondly, how much you make in your own third-pillar pension. As every year, there will be some changes on January 1, 2020. What impact will this have…
At the end of every year, banks, insurance companies and financial service providers advertise pillar 3a like crazy. And many people ask themselves: is a pillar 3a fund worthwhile? Is a pillar 3a securities solution worthwhile? Or is a pillar 3a savings account worthwhile for me? We’ve done the research…
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.
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…
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.
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…
The Federal Statistical Office regularly surveys the household income of Swiss citizens. At the end of 2018, SRF reported on the latest figures: On average, we have a household income of around CHF 10,000 and a savings amount of around CHF 1,500. In other words, a savings rate of 15…
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…
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.
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…
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.
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…
