When we hear the word “wealth”, we think of high incomes, company profits, inheritances and real estate.
For most people, however, their retirement assets in their pension fund represent their largest financial asset.
Discover what you will receive as a pension later on.
Thinking about Bitcoin for your retirement savings?
With all-time highs being reached, some people are considering Bitcoin as a good investment option for their retirement savings.
Discover five key reasons why this might not be a good idea in this article.
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…
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…
Relaxing, traveling, chilling out.
3 out of 4 Swiss employees dream of taking time out.
We take a look at the financial consequences of a sabbatical for your pension provision.
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…
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.
50% of Swiss between the ages of 18 and 30 do not have a 3rd pillar. That is twice as many as all adults. The reasons for this are their young age and lack of know-how. But when is the right time to take care of your pension provision? And…
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…
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…
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.
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.
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?
