{"id":8477,"date":"2019-01-12T18:09:49","date_gmt":"2019-01-12T17:09:49","guid":{"rendered":"https:\/\/www.smolio.ch\/thomas-walke\/"},"modified":"2024-10-20T14:06:41","modified_gmt":"2024-10-20T12:06:41","slug":"thomas-walke","status":"publish","type":"page","link":"https:\/\/www.smolio.ch\/en\/empfehlungen\/thomas-walke\/","title":{"rendered":"Thomas Walke"},"content":{"rendered":"\n<div class=\"alignfull wp-block-ugb-feature ugb-feature ugb-db6d5a6 ugb-feature--v2 ugb-feature--design-plain ugb-main-block ugb-main-block--inner-wide ugb--has-block-background\"><style>.ugb-db6d5a6 .ugb-feature__title{color:#ffffff}.ugb-db6d5a6 .ugb-feature__description{color:#ffffff}.ugb-db6d5a6 .ugb-inner-block{text-align:center}.ugb-db6d5a6.ugb-feature{background-color:#02b875;background-attachment:fixed}.ugb-db6d5a6.ugb-feature:before{background-color:#02b875}@media screen and (min-width:768px){.ugb-db6d5a6 .ugb-img{width:400px;height:auto !important}}<\/style><div class=\"ugb-inner-block ugb-inner-block--wide\"><div class=\"ugb-block-content\"><div class=\"ugb-feature__item\"><div class=\"ugb-feature__content\"><h2 class=\"ugb-feature__title\">I am Thomas<\/h2><p class=\"ugb-feature__description\">and I am convinced that you too can improve your financial situation.  <\/p><\/div><div class=\"ugb-feature__image-side\"><img decoding=\"async\" class=\"ugb-feature__image ugb-img wp-image-3543 ugb-image--shape-stretch\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/27092322\/thomas-finanzwissen-fuer-alle-smolio-square-400w-400w.png\" alt=\"\" title=\"\" height=\"400\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/27092322\/thomas-finanzwissen-fuer-alle-smolio-square-400w-400w.png 400w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/27092322\/thomas-finanzwissen-fuer-alle-smolio-square-400w-400w-300x300.png 300w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2020\/02\/27092322\/thomas-finanzwissen-fuer-alle-smolio-square-400w-400w-315x315.png 315w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-ugb-text ugb-text ugb-96c1341 ugb-text--design-plain ugb-text--columns-1 ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-text__text-wrapper\"><div class=\"ugb-text__text\"><p class=\"ugb-text__text-1\"><\/p><\/div><\/div><\/div><\/div><\/div>\n\n<blockquote class=\"wp-block-ugb-blockquote ugb-blockquote ugb-d8b6d51 ugb-blockquote--v3 ugb-blockquote--design-plain ugb-main-block\"><style>.ugb-d8b6d51 .ugb-blockquote__quote{width:70px !important;height:70px !important}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-blockquote__item\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 50 50\" class=\"ugb-blockquote__quote\" width=\"70\" height=\"70\"><path d=\"M19.8 9.3C10.5 11.8 4.6 17 2.1 24.8c2.3-3.6 5.6-5.4 9.9-5.4 3.3 0 6 1.1 8.3 3.3 2.2 2.2 3.4 5 3.4 8.3 0 3.2-1.1 5.8-3.3 8-2.2 2.2-5.1 3.2-8.7 3.2-3.7 0-6.5-1.2-8.6-3.5C1 36.3 0 33.1 0 29 0 18.3 6.5 11.2 19.6 7.9l.2 1.4zm26.4 0C36.9 11.9 31 17 28.5 24.8c2.2-3.6 5.5-5.4 9.8-5.4 3.2 0 6 1.1 8.3 3.2 2.3 2.2 3.4 4.9 3.4 8.3 0 3.1-1.1 5.8-3.3 7.9-2.2 2.2-5.1 3.3-8.6 3.3-3.7 0-6.6-1.1-8.6-3.4-2.1-2.3-3.1-5.5-3.1-9.7 0-10.7 6.6-17.8 19.7-21.1l.1 1.4z\"><\/path><\/svg><div class=\"ugb-blockquote__content\"><p class=\"ugb-blockquote__text\">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.\nShall we get started right away? <\/p><\/div><\/div><\/div><\/div><\/blockquote>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3112f5f stk-block-background callout\" data-block-id=\"3112f5f\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-3112f5f{background-color:#02b875 !important;margin-bottom:40px !important}.stk-3112f5f:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3112f5f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4a4cbd5\" data-v=\"4\" data-block-id=\"4a4cbd5\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4a4cbd5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4a4cbd5-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-fe9674b\" data-block-id=\"fe9674b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6627\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png\" width=\"1200\" height=\"800\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG.png 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-800x533.png 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-315x210.png 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-768x512.png 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-360x240.png 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2023\/11\/06183134\/Produktfinder-PC-3-Anbieter-with-BG-400x267.png 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-4891e88\" data-v=\"4\" data-block-id=\"4891e88\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-4891e88-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-4891e88-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-addbbcb\" id=\"finde-die-beste-saule-3-a\" data-block-id=\"addbbcb\"><style>.stk-addbbcb .stk-block-heading__text{color:#ffffff !important}<\/style><h3 class=\"stk-block-heading__text has-text-color has-text-align-center\">Find the best pillar 3a<\/h3><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c2849cd\" data-block-id=\"c2849cd\"><style>.stk-c2849cd .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\">Unbelievable &#8211; most people pay too much for their pillar 3a and get too little return.\nAre you one of them?\nFind out which pillar 3a is best suited to you with just a few clicks in our free comparison.    <\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/finder.smolio.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"stk-button__inner-text\">Find the best pillar 3a<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-wie-lange-muss-ich-noch-arbeiten-wie-viel-geld-bekomme-ich-im-alter-spater\">How much longer do I have to work? How much money will I get later in life?<\/h2>\n\n<div class=\"wp-block-ugb-text ugb-text ugb-98ceba1 ugb-text--design-plain ugb-text--columns-1 ugb-main-block\"><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-text__text-wrapper\"><div class=\"ugb-text__text\"><p class=\"ugb-text__text-1\">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,\n2nd and\n3rd pillar each year.  <\/p><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-hzexzd8 stk-block-background callout\" data-block-id=\"hzexzd8\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-hzexzd8{background-color:#02b875 !important;margin-bottom:40px !important}.stk-hzexzd8:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-hzexzd8-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-sgke5qm\" data-v=\"4\" data-block-id=\"sgke5qm\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-sgke5qm-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-sgke5qm-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-m0ebg7c\" data-block-id=\"m0ebg7c\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu&#x308;bersicht-niedergelassene_Smolio-Wissen.png\" width=\"800\" height=\"566\" alt=\"Smolio pension check shows income in retirement with Pensions 2020\" title=\"\"><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-u2jztcc\" data-v=\"4\" data-block-id=\"u2jztcc\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-u2jztcc-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-u2jztcc-inner-blocks\"><p data-block-type=\"core\"><div class=\"mautic-slot\" data-slot-name=\"c2a-blog-finanzdashboard\"><\/p>\n<h3>Mach den ersten Schritt zur finanziellen Unabh\u00e4ngigkeit<\/h3>\n<p> In einer Minute siehst du deine Verm\u00f6gensentwicklung und dein Einkommen w\u00e4hrend der Rente. <\/p>\n<p> <a href=\"https:\/\/cockpit.smolio.ch\/de\/vorsorgecheck\/start\/1\/\" target=\"_blank\" rel=\"noopener\">Rentenrechner starten<\/a> <\/p>\n<p><\/div><\/p>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-53525df stk-block-background\" data-block-id=\"53525df\"><style>.stk-53525df {background-color:#02b875 !important;margin-bottom:40px !important;}.stk-53525df:before{background-color:#02b875 !important;}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-53525df-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-375282a\" data-v=\"4\" data-block-id=\"375282a\"><style>.stk-375282a {padding-top:20px !important;padding-right:20px !important;padding-bottom:20px !important;padding-left:20px !important;}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-375282a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-375282a-inner-blocks\">\n<p class=\"has-white-color has-text-color wp-block-paragraph\" data-block-type=\"core\">Related content<\/p>\n\n\n\n<div class=\"wp-block-stackable-posts stk-block-posts stk-block stk-86547d4 alignwide is-style-horizontal-2\" data-v=\"2\" data-block-id=\"86547d4\"><style>.stk-86547d4 {--stk-columns:1 !important;}.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:25% !important;}.stk-86547d4 .stk-img-wrapper{height:100% !important;}.stk-86547d4 .stk-block-posts__title a{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__excerpt p{color:#ffffff !important;}.stk-86547d4 .stk-block-posts__readmore{color:#192483 !important;}@media screen and (max-width: 767px){.stk-86547d4 .stk-block-posts__image-link:not(:empty){width:100% !important;}}<\/style><div class=\"stk-inner-blocks stk-content-align stk-86547d4-column alignwide\"><div class=\"stk-block-posts__items\"><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-3a-experience-and-review-2023\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"800\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/11\/06132400\/Smolio_Blog_Finpension_Saule3a_concentrated-girl-while-playing-billiards-2022-02-02-05-46-35-utc.webp\" class=\"attachment-full size-full wp-post-image\" alt=\"Finpension-S\u00e4ule 3a-Erfahrungen\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/11\/06132400\/Smolio_Blog_Finpension_Saule3a_concentrated-girl-while-playing-billiards-2022-02-02-05-46-35-utc.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/11\/06132400\/Smolio_Blog_Finpension_Saule3a_concentrated-girl-while-playing-billiards-2022-02-02-05-46-35-utc-400x267.webp 400w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/11\/06132400\/Smolio_Blog_Finpension_Saule3a_concentrated-girl-while-playing-billiards-2022-02-02-05-46-35-utc-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/11\/06132400\/Smolio_Blog_Finpension_Saule3a_concentrated-girl-while-playing-billiards-2022-02-02-05-46-35-utc-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/11\/06132400\/Smolio_Blog_Finpension_Saule3a_concentrated-girl-while-playing-billiards-2022-02-02-05-46-35-utc-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2022\/11\/06132400\/Smolio_Blog_Finpension_Saule3a_concentrated-girl-while-playing-billiards-2022-02-02-05-46-35-utc-360x240.webp 360w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-3a-experience-and-review-2023\/\">finpension 3a Experience and Review 2025<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>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&#8217;s even cheaper. We have known and used finpension for a long time. Benefit from our experience and the finpension 3a voucher code SMLUTQ.   <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/finpension-3a-experience-and-review-2023\/\">Continue Reading<\/a><\/article><\/div><\/div><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/invest-in-pillar-3b-self-determined-action-for-later-life\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1236\" height=\"824\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2019\/06\/20215437\/Smolio_Blog_in-S%C3%A4ule3b-anlegen_senior-gardener-with-a-basket-of-harvested-BMV8NGK_1236x834_squuoshed.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/invest-in-pillar-3b-self-determined-action-for-later-life\/\">Invest in pillar 3b: Self-determined action for later life<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>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 &#8211; voluntarily saving now for life&hellip;<\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/invest-in-pillar-3b-self-determined-action-for-later-life\/\">Continue Reading<\/a><\/article><\/div><\/div><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/investing-for-beginners-with-these-8-tips-youre-on-the-right-track\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1236\" height=\"882\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/08\/25110003\/Smolio_Anlegen-fu%CC%88r-Anfa%CC%88nger-Tipps-goldrichtig_.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/08\/25110003\/Smolio_Anlegen-fu%CC%88r-Anfa%CC%88nger-Tipps-goldrichtig_.jpg 1236w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/08\/25110003\/Smolio_Anlegen-fu%CC%88r-Anfa%CC%88nger-Tipps-goldrichtig_-400x284.jpg 400w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/08\/25110003\/Smolio_Anlegen-fu%CC%88r-Anfa%CC%88nger-Tipps-goldrichtig_-315x225.jpg 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/08\/25110003\/Smolio_Anlegen-fu%CC%88r-Anfa%CC%88nger-Tipps-goldrichtig_-800x571.jpg 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/08\/25110003\/Smolio_Anlegen-fu%CC%88r-Anfa%CC%88nger-Tipps-goldrichtig_-768x548.jpg 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/08\/25110003\/Smolio_Anlegen-fu%CC%88r-Anfa%CC%88nger-Tipps-goldrichtig_-618x441.jpg 618w\" sizes=\"auto, (max-width: 1236px) 100vw, 1236px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/investing-for-beginners-with-these-8-tips-youre-on-the-right-track\/\">Investing for beginners.\nWith these 8 tips, you&#039;re on the right track<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>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&#8217;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&hellip;<\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/investing-for-beginners-with-these-8-tips-youre-on-the-right-track\/\">Continue Reading<\/a><\/article><\/div><\/div><div class=\"stk-block-posts__item\"><div class=\"stk-container stk-86547d4-container stk--no-background stk--no-padding\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/tax-deductions-how-to-save-on-taxes-with-the-best-deductions-and-flat-rates\/\" class=\"stk-block-posts__image-link\"><figure class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" width=\"1236\" height=\"882\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/03\/24051226\/Smolio-Blog_Steuern-spare_Welche-Abzuege-machst-du-geltend.jpg\" class=\"attachment-full size-full wp-post-image\" alt=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/03\/24051226\/Smolio-Blog_Steuern-spare_Welche-Abzuege-machst-du-geltend.jpg 1236w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/03\/24051226\/Smolio-Blog_Steuern-spare_Welche-Abzuege-machst-du-geltend-400x284.jpg 400w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/03\/24051226\/Smolio-Blog_Steuern-spare_Welche-Abzuege-machst-du-geltend-315x225.jpg 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/03\/24051226\/Smolio-Blog_Steuern-spare_Welche-Abzuege-machst-du-geltend-800x571.jpg 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/03\/24051226\/Smolio-Blog_Steuern-spare_Welche-Abzuege-machst-du-geltend-768x548.jpg 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/03\/24051226\/Smolio-Blog_Steuern-spare_Welche-Abzuege-machst-du-geltend-618x441.jpg 618w\" sizes=\"auto, (max-width: 1236px) 100vw, 1236px\" title=\"\"><\/figure><\/a><article class=\"stk-container-padding\"><h3 class=\"stk-block-posts__title has-text-color\"><a href=\"https:\/\/www.smolio.ch\/en\/wissen\/tax-deductions-how-to-save-on-taxes-with-the-best-deductions-and-flat-rates\/\">Tax deductions 2025: How to save taxes with deductions and lump sums<\/a><\/h3><div class=\"stk-block-posts__excerpt has-text-color\"><p>Tax deductions ensure that you don&#8217;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.  <\/p>\n<\/div><a class=\"stk-block-posts__readmore has-text-color\" href=\"https:\/\/www.smolio.ch\/en\/wissen\/tax-deductions-how-to-save-on-taxes-with-the-best-deductions-and-flat-rates\/\">Continue Reading<\/a><\/article><\/div><\/div><\/div><div class=\"stk-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-7305b18\" id=\"diese-produkte-nutze-ich-selbst\" data-block-id=\"7305b18\"><h2 class=\"stk-block-heading__text\">I use these products myself.<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">People keep asking me which providers I use and why. You can see this in the following overview.   <\/p>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table class=\"has-fixed-layout\"><tbody><tr><td>Category<\/td><td>Provider<\/td><td>Argument<\/td><td>Bonus on opening<\/td><\/tr><tr><td>Save ETF<\/td><td><a href=\"https:\/\/app.findependent.ch\/onboarding\/\" target=\"_blank\" rel=\"noreferrer noopener\">findependent<\/a><\/td><td>Very affordable, simple app solution  <\/td><td>With Code Smolio, 3,000 francs are managed free of charge for life.<\/td><\/tr><tr><td>Private account<\/td><td><a href=\"https:\/\/memberplus.raiffeisen.ch\/de\" target=\"_blank\" rel=\"noreferrer noopener\">Raiffeisen<\/a><\/td><td>Free account with no monthly fee; MasterCard gives free admission to 700 museums  <\/td><td><\/td><\/tr><tr><td>Health insurance<\/td><td><a href=\"https:\/\/www.priminfo.admin.ch\/de\/praemien\" target=\"_blank\" rel=\"noreferrer noopener\">PrimInfo<\/a><\/td><td>Every year I check which basic health insurance company offers my doctor the HMO model<\/td><td><\/td><\/tr><tr><td>Credit card<\/td><td><a href=\"https:\/\/certo-card.ch\/mgm.php?mgm=eb06e8f9374cb083edf36ab2ef64a385\" target=\"_blank\" rel=\"noreferrer noopener\">Certo! One <\/a><\/td><td>1% cashback at 3 favorite retailers. No card fee. <\/td><td>50 francs starting credit<\/td><\/tr><tr><td>Pillar 3a<\/td><td><a href=\"https:\/\/app.finpension.ch\/intro\" target=\"_blank\" rel=\"noreferrer noopener\">finpension<\/a><\/td><td>Very low total costs<\/td><td>with code SMLUTQ 25 CHF bonus<\/td><\/tr><tr><td>Webhosting<\/td><td><a href=\"https:\/\/servertown.ch\/webhosting-hosting\/?id=13660\" target=\"_blank\" rel=\"noreferrer noopener\">Servertown<\/a><\/td><td>Affordable web hosting in Switzerland<\/td><td><\/td><\/tr><tr><td>Securities custody account<\/td><td><a href=\"https:\/\/en.swissquote.com\/promotion\/friends-family-sponsoring?mktName=MKT_MOBILE&amp;sponsorId=%24ljx6q5#Non-client\" target=\"_blank\" rel=\"noreferrer noopener\">Swissquote<\/a><\/td><td>for custody account value &lt;1mio flat-fee custody account fee; <br\/>Flat-fee ETF trading for 9,- CHF<\/td><td>100,- Trading Credit  <\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div class=\"aligncenter wp-block-ugb-container ugb-container ugb-3c1c7a0 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-3c1c7a0-wrapper.ugb-container__wrapper{border-radius:0px !important}.ugb-3c1c7a0 h1,.ugb-3c1c7a0 h2,.ugb-3c1c7a0 h3,.ugb-3c1c7a0 h4,.ugb-3c1c7a0 h5,.ugb-3c1c7a0 h6{color:#000000}.ugb-3c1c7a0 p,.ugb-3c1c7a0 li,.ugb-3c1c7a0 label,.ugb-3c1c7a0 table{color:#000000}.ugb-3c1c7a0-content-wrapper > h1,.ugb-3c1c7a0-content-wrapper > h2,.ugb-3c1c7a0-content-wrapper > h3,.ugb-3c1c7a0-content-wrapper > h4,.ugb-3c1c7a0-content-wrapper > h5,.ugb-3c1c7a0-content-wrapper > h6{color:#000000}.ugb-3c1c7a0-content-wrapper > p,.ugb-3c1c7a0-content-wrapper > ol li,.ugb-3c1c7a0-content-wrapper > ul li{color:#000000}.ugb-3c1c7a0 a,.ugb-3c1c7a0 a:visited,.ugb-3c1c7a0 a:focus{color:#000000}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-3c1c7a0-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-3c1c7a0-content-wrapper\">\n<h4 class=\"wp-block-heading has-black-smolio-color has-text-color has-small-font-size\" id=\"h-hinweis\">Notice <\/h4>\n\n\n\n<p class=\"has-black-smolio-color has-text-color wp-block-paragraph\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Wir sind dir dankbar, wenn du bei einer Kontoer\u00f6ffnung unseren Code nutzt. Wir erhalten dann eine kleine <a href=\"https:\/\/www.smolio.ch\/experten-netzwerk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Verg\u00fctung<\/a>. F\u00fcr dich wird es dadurch nicht teurer und wir k\u00f6nnen die Kosten f\u00fcr den Betrieb der Plattform decken. Wir freuen uns auch, wenn du uns einen <a href=\"https:\/\/buymeacoffee.com\/smolio\" target=\"_blank\" rel=\"noreferrer noopener\">Kaffee spendierst<\/a> \u2615\ufe0f.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":8482,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"footnotes":""},"class_list":["post-8477","page","type-page","status-publish"],"featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","davenport-blog-thumb":"","davenport-blog-thumb-grid":"","davenport-blog-thumb-widget":"","davenport-blog-thumb-masonry":"","woocommerce_thumbnail":"","woocommerce_single":"","woocommerce_gallery_thumbnail":""},"post_excerpt_stackable_v2":"<p>I am Thomasand 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 &#8211; 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. Find the best pillar 3a&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Adrian","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/adrian\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/pages\/8477","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8477"}],"version-history":[{"count":4,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/pages\/8477\/revisions"}],"predecessor-version":[{"id":9174,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/pages\/8477\/revisions\/9174"}],"up":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/pages\/8482"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8477"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}