{"id":8671,"date":"2023-12-24T08:10:00","date_gmt":"2023-12-24T07:10:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/optimize-your-finances-and-have-your-pension-provision-under-control-7-tips-for-2024\/"},"modified":"2024-12-01T08:19:19","modified_gmt":"2024-12-01T07:19:19","slug":"optimize-your-finances-and-have-your-pension-provision-under-control-7-tips-for-2024","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/optimize-your-finances-and-have-your-pension-provision-under-control-7-tips-for-2024\/","title":{"rendered":"Optimize your finances and have your pension provision under control: 7 tips for 2024"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 8<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\">December is full of presents. Whether in the Advent calendar or under the Christmas tree. And then it\u2019s all over on the 25th. Nonsense, it will continue next year and you can use the time between Christmas and New Year to optimize your finances, make more of your money and get a grip on your pension provision.   <\/p>\n\n<!--more-->\n\n<h2 class=\"wp-block-heading\" id=\"h-tipp-1-nbsp-mach-einen-kassensturz\">Tip 1: Do a cash check<\/h2>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-5ef85a0\" data-block-id=\"5ef85a0\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Optimizing your finances requires you to know how much you have.\nTherefore, get an overview of how much you have in financial assets and calculate your savings ratio. <\/span> <span style=\"font-weight: 400\">This is how you proceed:  <\/span><\/p><\/div>\n\n<div class=\"wp-block-ugb-icon-list ugb-icon-list ugb-46b55e1 ugb-icon-list--v2 ugb-main-block\"><style>.ugb-46b55e1 li::before{background-image:url('data:image\/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHZpZXdCb3g9IjAgMCAxOTAgMTkwIiBzdHlsZT0iZmlsbDogIzAyYjg3NSAhaW1wb3J0YW50OyBjb2xvcjogIzAyYjg3NSAhaW1wb3J0YW50Ij48cG9seWdvbiBwb2ludHM9IjE3My44LDI4LjQgNjAuNCwxNDEuOCAxNS43LDk3LjIgNS4xLDEwNy44IDYwLjQsMTYzIDE4NC40LDM5IDE3My44LDI4LjQiIGZpbGw9IiMwMmI4NzUiIHN0cm9rZT0iIzAyYjg3NSIgc3R5bGU9ImZpbGw6IHJnYigyLCAxODQsIDExNyk7IHN0cm9rZTogcmdiKDIsIDE4NCwgMTE3KTsiLz48L3N2Zz4=')}.ugb-46b55e1.ugb-icon-list ul{columns:1}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><ul><li><span style=\"font-weight: 400\">First, write down what you have.\nWhat was the value of your assets at the end of 2022 and what is the value now, at the end of 2023?\nThe bank documents for the 2023 annual financial statements are still to come.\nBut you can already enter what you already know and possibly adjust it again later.     <\/span><\/li><li><span style=\"font-weight: 400\">Now ask yourself the second question: What was my net salary in 2022? And how much tax did I pay? Calculate net salary minus taxes. Because that was your scope for spending and saving in 2022.     <\/span><\/li><li>And now, thirdly, compare: by how much did your assets change in 2023? Do you understand why?<\/li><li>Fourthly, determine your savings rate by adding up all the amounts that you have saved, invested or put aside in 3a funds from your net salary and divide this by your annual salary. Incidentally, the savings rate should be at least 10% of your annual salary. \ud83d\ude1c<\/li><\/ul><\/div><\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d87dee1\" id=\"schauen-wir-uns-den-kassensturz-von-nicole-als-beispiel-an\" data-block-id=\"d87dee1\"><h2 class=\"stk-block-heading__text\">Let\u2019s take a look at Nicole\u2019s checkout as an example<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-485d0c6\" id=\"span-style-font-weight-400-nicole-hat-einen-jahreslohn-von-113000-chf-und-einen-nettolohn-von-rund-100000-chf-auf-den-nettolohn-zahlt-sie-steuern-von-20000-chf-also-hatte-sie-2020-einen-handlungsspielraum-von-rund-80000-chf-davon-hat-sie-5000-chf-in-die-saule-3-a-eingelegt-und-zusatzlich-einen-etf-fur-8000-chf-gekauft-so-hat-sie-total-also-13000-chf-gespart-darum-betragt-ihre-sparquote-12-13000-chf-113000-chf-x-100-den-rest-ihres-handlungsspielraums-80000-13000-67000-chf-hat-nicole-fur-versicherungen-lebenshaltung-und-andere-konsumausgaben-eingesetzt-span\" data-block-id=\"485d0c6\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Nicole has an annual salary of 113,000 francs and a net salary of around 100,000 francs.\nShe pays taxes of <span style=\"\">CHF<\/span> 20,000 on her net salary.\nSo in 2022 she had room for maneuver of around 80,000 <span style=\"\">francs<\/span>.\nShe put <span style=\"\">CHF<\/span> 5,000 of this into pillar 3a and also bought an ETF for <span style=\"\">CHF<\/span> 8,000.\nThis means she saved a total of <span style=\"\">CHF<\/span> 13,000.\nHer savings ratio is therefore 12 % (= <span style=\"\">CHF<\/span> 13, <span style=\"\">000\/<\/span> <span style=\"\">CHF<\/span> 113,000 x 100).\nNicole has used the rest of her room for maneuver (80,000 \u2013 13,000 = 67,000 <span style=\"\">francs<\/span>) for insurance, living expenses and other consumer spending.      <\/span><\/p><\/div>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>Assets (in Swiss francs)<\/th><th class=\"has-text-align-right\" data-align=\"right\">Value at the end of 2022<\/th><th class=\"has-text-align-right\" data-align=\"right\">Value at the end of 2023<\/th><\/tr><\/thead><tbody><tr><td>Pension fund<\/td><td class=\"has-text-align-right\" data-align=\"right\">100\u2019000<\/td><td class=\"has-text-align-right\" data-align=\"right\">108\u2019500<\/td><\/tr><tr><td>Pillar 3a<\/td><td class=\"has-text-align-right\" data-align=\"right\">20\u2019000<\/td><td class=\"has-text-align-right\" data-align=\"right\">25\u2019000<\/td><\/tr><tr><td>Securities (ETF, funds, shares, bonds)<\/td><td class=\"has-text-align-right\" data-align=\"right\">30\u2019000<\/td><td class=\"has-text-align-right\" data-align=\"right\">35\u2019000<\/td><\/tr><tr><td>Bank account<\/td><td class=\"has-text-align-right\" data-align=\"right\">10\u2019000<\/td><td class=\"has-text-align-right\" data-align=\"right\">10\u2019000<\/td><\/tr><tr><td>Total assets<\/td><td class=\"has-text-align-right\" data-align=\"right\">160\u2019000<\/td><td class=\"has-text-align-right\" data-align=\"right\">178\u2019500<\/td><\/tr><tr><td><strong>Difference<\/strong><\/td><td class=\"has-text-align-right\" data-align=\"right\">\u00a0<\/td><td class=\"has-text-align-right\" data-align=\"right\"><strong>+16\u2019500<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Statement of assets from Nicole<\/figcaption><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6672d05\" data-block-id=\"6672d05\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">In the statement of assets, Nicole sees that the price changes on the stock markets have had a negative impact on her securities.\nDespite her ETF purchase (worth <span style=\"\">CHF<\/span> 8,000), these are only worth <span style=\"\">CHF<\/span> 5,000 more net.\nHer assets have nevertheless increased by <span style=\"\">CHF<\/span> 16,500, as she and her employer have  <\/span> <span style=\"font-weight: 400\">as contributions to the pension fund.  <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-c405f15\" id=\"tipp-2-scharfe-dein-finanzbewusstsein\" data-block-id=\"c405f15\"><h2 class=\"stk-block-heading__text\">Tip 2: Sharpen your financial awareness<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-82bf846\" data-block-id=\"82bf846\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Once you have implemented the first tip, you will know how high your savings rate is and how your assets have changed over the past year. Optimizing your finances also requires you to raise your financial awareness. To raise your awareness, you should pause for a moment and reflect.    <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-584147f\" data-block-id=\"584147f\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Look back over the past year and think: What went well financially? What did I do really well? What didn\u2019t go so well? Why didn\u2019t it go well? And what would I like to do differently next year? If you have a partner, do the exercise together. First record your impressions individually and then discuss with each other how the year went financially. You can use a simple technique, something with post-its, to first write down the topics, then sort them and agree on improvements for next year.         <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-365c469\" id=\"tipp-3-bezahle-dich-selbst-zuerst\" data-block-id=\"365c469\"><h2 class=\"stk-block-heading__text\">Tip 3: Pay yourself first<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-aa6917c\" data-block-id=\"aa6917c\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">\u201c<a href=\"https:\/\/www.amazon.de\/gp\/product\/3442163838\/ref=as_li_tl?ie=UTF8&camp=1638&creative=6742&creativeASIN=3442163838&linkCode=as2&tag=recommenda0d5-21&linkId=7bb46ff011e0045235677d685f7841a6\" target=\"_blank\" rel=\"noopener noreferrer\">The Richest Man in Babylon<\/a>\u201d is a financial classic from the 1920s. It describes a sensible approach to money in ten entertaining parables. One of the most important lessons from this financial classic is: pay yourself first. In   <\/span>  In our consumer economy, advertising constantly drives us to consume. However, this is at the expense of our savings rate. For many, there is simply too much money left over at the end of the month. For them, the following applies: income \u2013 expenditure = 0.   <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-25c1537\" data-block-id=\"25c1537\"><p class=\"stk-block-text__text\">Paying yourself first means  <span style=\"font-weight: 400\">set aside at least 10 percent of your salary at the beginning of the month. This money is only for yourself. This money goes into your \u201cfuture account\u201d. You use the other 90 percent to pay everyone else: the state, your landlord or bank, traders who sell you things, leisure providers, etc.   <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-33e1014\" data-block-id=\"33e1014\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">The following applies to you: <\/span>income \u2013 savings rate = possible expenditure. The amount of the savings rate therefore determines the possible expenditure for the rest of the month. <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-35fe502\" data-block-id=\"35fe502\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">That\u2019s why you should plan your savings now and set up a standing order to ensure that the money is really there for you.\nGo to e-banking and set up a standing order for <span style=\"\">CHF<\/span> 588 for 2024.\nThis is the <a href=\"\">maximum pillar 3a amount<\/a> for 2024 divided by 12 months, which you pay into your 3a account every month.\nYou can also secure the rest of your 10% savings quota by setting up another standing order to your savings account.     <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-c534ffd\" data-block-id=\"c534ffd\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">And while you\u2019re at it, take a look at your tax bill from the previous year and divide the total amount by twelve.\nThis will give you an idea of the minimum amount you need to set aside for taxes each month.\nIt\u2019s also best to set up a standing order for this.  <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-509ab73\" id=\"schauen-wir-uns-an-wie-nicole-sich-selbst-zuerst-bezahlt\" data-block-id=\"509ab73\"><h2 class=\"stk-block-heading__text\">Let\u2019s take a look at how Nicole pays herself first<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-a9ce58f\" data-block-id=\"a9ce58f\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Nicole\u2019s gross income is 113,000 <span style=\"font-weight: 400\">francs<\/span>, on which she paid taxes of 20,000 <span style=\"font-weight: 400\">francs<\/span> last year. She plans to save 15% of her annual salary next year. This corresponds to a savings rate of 17 % of her net salary. She therefore sets up the following standing orders on her current account for the beginning of the month:   <\/span><\/p><\/div>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>What for<\/th><th class=\"has-text-align-right\" data-align=\"right\">How much<\/th><\/tr><\/thead><tbody><tr><td>to \u201cPillar 3a\u201d account <span class=\"type-11-mod\">(3a maximum amount 2024 \/ 12)<\/span><\/td><td class=\"has-text-align-right\" data-align=\"right\">588 <span style=\"font-weight: 400\">francs<\/span><\/td><\/tr><tr><td>to the \u201cTaxes\u201d account <span class=\"type-11-mod\">( <span style=\"font-weight: 400\">CHF<\/span> 20,000<\/span> taxes previous year)<\/td><td class=\"has-text-align-right\" data-align=\"right\">1\u2019667 <span style=\"font-weight: 400\">francs <\/span> <\/td><\/tr><tr><td>to the <span style=\"font-weight: 400\">\u201cunrestricted pension provision\u201d<\/span> account ([113\u2019000 \u00d7 10 % minus 7\u2019056 Franken] \/12)<\/td><td class=\"has-text-align-right\" data-align=\"right\">354 <span style=\"font-weight: 400\">francs<\/span><\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ec9657e\" data-block-id=\"ec9657e\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">This leaves Nicole with around <span style=\"font-weight: 400\">CHF<\/span> 6,024 per month<\/span> <span style=\"font-weight: 400\">per month to live, eat, take out the necessary insurance and have fun.<\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-c5ba149\" id=\"tipp-4-kontrolliere-deine-ausgaben\" data-block-id=\"c5ba149\"><h2 class=\"stk-block-heading__text\">Tip 4: Control your spending<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-74d526b\" data-block-id=\"74d526b\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">If you want to optimize your finances, a household budget is a great help. It ensures that you make conscious decisions about what you want to spend your money on. Before you wave goodbye now and say \u201cnaaai, that\u2019s too much effort for me\u201d \u2013 realize that a household budget and a budget book are two pairs of shoes with different levels of effort.  <\/span><\/p><\/div>\n\n<p data-block-type=\"core\"><span style=\"font-weight: 400\">A household budget is the PLAN of what you want to spend money on. In a budget book, you write down all your actual expenses as soon as possible. The first step here is to create a household budget, the light version, so to speak, which is much less time-consuming. Believe us, this alone will help you to understand where your money is going.   <\/span><\/p>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9060669\" data-block-id=\"9060669\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Because spending money should be fun and help you achieve your goals. The same applies here: talk to your partner about it. If you want to save money and he or she wants to consume, but going to a restaurant is more important to you than the 3rd pillar: talk about it. Otherwise you\u2019ll be stressed throughout the year. You can find out how to create your <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/fun-is-a-must-budget-planning-with-a-fun-quota\/\">household budget with a fun ratio<\/a> in this knowledge article.    <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-38fc1bc\" data-block-id=\"38fc1bc\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-6983\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10075659\/Smolio_Blog_young-happy-woman-celebrating-new-year-eve-drinkin.webp\" width=\"1200\" height=\"1185\" alt=\"optimize finances lifehacks 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10075659\/Smolio_Blog_young-happy-woman-celebrating-new-year-eve-drinkin.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10075659\/Smolio_Blog_young-happy-woman-celebrating-new-year-eve-drinkin-800x790.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10075659\/Smolio_Blog_young-happy-woman-celebrating-new-year-eve-drinkin-315x311.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10075659\/Smolio_Blog_young-happy-woman-celebrating-new-year-eve-drinkin-768x758.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10075659\/Smolio_Blog_young-happy-woman-celebrating-new-year-eve-drinkin-360x356.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10075659\/Smolio_Blog_young-happy-woman-celebrating-new-year-eve-drinkin-400x395.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-678b652\" id=\"tipp-5-kummere-dich-um-deine-vorsorgelucken\" data-block-id=\"678b652\"><h2 class=\"stk-block-heading__text\">Tip 5: Take care of your pension gaps<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-732ed53\" data-block-id=\"732ed53\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">If you want to optimize your finances for old age today, you should get an overview of how much you will receive one day. The pension check will help you do this.   <\/span><\/p><\/div>\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-827\" src=\"https:\/\/www.smolio.ch\/wp-content\/uploads\/2017\/08\/Vorsorgecheck-live_Einkommensu\u0308bersicht-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-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\"><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-text stk-block-text stk-block stk-2fb6e44\" id=\"span-style-font-weight-400-in-der-1-saule-bekommst-du-nur-dann-eine-volle-rente-wenn-du-erstens-die-volle-beitragsdauer-eingezahlt-hast-und-zweitens-immer-mindestens-der-ahv-durchschnittslohn-versichert-war-beitragslucken-kannst-du-bis-zu-5-jahre-ruckwirkend-schliessen-beitragslucken-sogenannte-ahv-fehljahre-entstehen-wenn-du-oder-dein-arbeitgeber-in-den-jahren-nach-deinem-21-geburtstag-zeitweise-keine-ahv-beitrage-eingezahlt-habt-z-b-bei-unverheirateten-nicht-erwerbstatigen-muttern-wenn-du-studiert-und-nicht-verdient-hast-langer-im-ausland-warst-oder-erst-spater-in-die-schweiz-eingewandert-bist-wenn-einer-dieser-falle-auf-dich-zutrifft-nbsp-nimm-kontakt-mit-der-fur-dich-zustandigen-a-href-https-www-ahv-iv-ch-de-merkbl-c-3-a-4-tter-formulare-bestellung-kontoauszug-schweiz-ahv-ausgleichskasse-a-auf-bestelle-dort-deinen-individuellen-ahv-kontoauszug-und-erkundige-dich-ob-du-noch-den-mindestbeitrag-nachzahlen-kannst-nbsp-span-span-style-font-weight-400-so-vermeidest-du-zum-zeitpunkt-deiner-pensionierung-eine-lebenslange-rentenkurzung-von-rund-2-3-pro-ahv-fehljahr-span\" data-block-id=\"2fb6e44\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">You will only receive a full pension in the 1st pillar if, firstly, you have paid in the full contribution period and, secondly, you have always been insured for at least the average AHV salary. You can close contribution gaps retroactively for up to 5 years. Gaps in contributions (so-called <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/missing-years\/\">AHV shortfall years<\/a>) occur if you or your employer have not paid any AHV contributions for a period of time in the years after your 21st birthday. This could be the case for unmarried mothers who are not gainfully employed, if you were studying and not earning, were abroad for a longer period of time or only moved to Switzerland later. If one of these cases applies to you, contact the <a href=\"https:\/\/www.ahv-iv.ch\/de\/Merkbl%C3%A4tter-Formulare\/Bestellung-Kontoauszug\/Schweiz\" target=\"_blank\" rel=\"noopener\">AHV compensation fund<\/a> responsible for you. Order your individual AHV account statement there and find out whether you can still pay the minimum contribution. This will help you avoid a lifelong pension reduction of around 2.3 % per AHV shortfall year when you retire.        <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6a36b89\" data-block-id=\"6a36b89\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">You may also be able to increase your income in the 2nd pillar by making voluntary contributions.\nTo do this, ask your pension fund whether you have so-called purchase potential.\nYou can find out more about <a href=\"https:\/\/www.smolio.ch\/wissen\/mehr-oder-weniger-einzahlen-welche-ueberlegungen-sich-in-der-pensionskasse-lohnen\">buying into your pension fund<\/a> in this blog post.    <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-263258d\" id=\"tipp-6-hole-mehr-rein-statt-mehr-auszugeben\" data-block-id=\"263258d\"><h2 class=\"stk-block-heading__text\">Tip 6: Get more in instead of spending more<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-9af0a23\" data-block-id=\"9af0a23\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">The year is almost over, a new year, new projects, a new budget are on the horizon, your year-end financial statement is done. Be aware that you can optimize your finances in two ways: bring in more AND spend less.   <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-caea4d7\" data-block-id=\"caea4d7\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Let\u2019s start with \u201cbringing in more\u201d: look at ways to increase your income. You don\u2019t have to change jobs straight away, although this often brings the biggest pay increases for employees. You can take the first step by getting an idea of your salary compared to others. Then you can think about what you have done particularly well in your job over the last year and how this has benefited your company. The final step is to make an appointment with your boss for a salary discussion and to justify your salary increase.      <\/span><\/p><\/div>\n\n<p data-block-type=\"core\">Let\u2019s move on to \u201cspending less\u201d: don\u2019t fall into the \u201cNew Year\u2019s resolution trap\u201d. You know the one? Next year everything will be better, I\u2019ll drink less alcohol, do more sport, live healthier. I\u2019ll start with fitness in January.   <\/p>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-117a54b\" data-block-id=\"117a54b\"><p class=\"stk-block-text__text\">Our tip: Save yourself the expensive annual fee for the fitness subscription and start with the monthly subscription. See if you stick with it first. Experience shows that the gym is much emptier at the end of February. And that\u2019s not because the weather is good. That\u2019s why the subscriptions are completely cashed in right at the beginning \ud83d\ude09 This applies to most subscriptions \u2013 and to most resolutions. So be smart and work with monthly subscriptions. If you stick with it, you can renew or pay for single admissions. It hurts every time. But maybe you don\u2019t even need a gym in the summer, but just want to go jogging or cycling outside for free?        <\/p><\/div>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-dce537b stk-block-background\" data-block-id=\"dce537b\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-dce537b{background-color:#02b875 !important;padding-top:60px !important;padding-bottom:60px !important}.stk-dce537b:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-dce537b-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-8d79b7a\" data-v=\"4\" data-block-id=\"8d79b7a\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-8d79b7a-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-8d79b7a-inner-blocks\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-0d94db7\" id=\"bleib-in-kontakt-mit-uns\" data-block-id=\"0d94db7\"><style>.stk-0d94db7 .stk-block-heading__text{color:#ffffff !important}<\/style><h2 class=\"stk-block-heading__text has-text-color has-text-align-center\">Stay in contact with us<\/h2><\/div>\n\n\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-6f29f46\" data-block-id=\"6f29f46\"><style>.stk-6f29f46 .stk-block-text__text{color:#ffffff !important}<\/style><p class=\"stk-block-text__text has-text-color\"><span style=\"font-weight: 400\">We<\/span> regularly <span style=\"font-weight: 400\">add new knowledge that you can use to optimize your finances yourself.<\/span> Follow us on our channels<\/p><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-fbc76f0\" data-block-id=\"fbc76f0\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-icon-button stk-block-icon-button stk-block stk-92432f9\" data-block-id=\"92432f9\"><style>.stk-92432f9 .stk-button{background:#00acee !important}.stk-92432f9 .stk-button .stk--inner-svg svg:last-child{height:17px !important;width:17px !important}.stk-92432f9 .stk-button .stk--inner-svg svg:last-child,.stk-92432f9 .stk-button .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:#ffffff !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/www.smolio.ch\/finanzwissen-abonnieren\/\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg class=\"ugb-custom-icon\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"32\" width=\"32\" viewbox=\"0 0 512 512\" aria-hidden=\"true\"><!--!Font Awesome Free 6.5.1 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free Copyright 2023 Fonticons, Inc.--><path fill=\"#1E3050\" d=\"M64 112c-8.8 0-16 7.2-16 16v22.1L220.5 291.7c20.7 17 50.4 17 71.1 0L464 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141zm0 189.6c-41.1 0-74.7-33.5-74.7-74.7s33.5-74.7 74.7-74.7 74.7 33.5 74.7 74.7-33.6 74.7-74.7 74.7zm146.4-194.3c0 14.9-12 26.8-26.8 26.8-14.9 0-26.8-12-26.8-26.8s12-26.8 26.8-26.8 26.8 12 26.8 26.8zm76.1 27.2c-1.7-35.9-9.9-67.7-36.2-93.9-26.2-26.2-58-34.4-93.9-36.2-37-2.1-147.9-2.1-184.9 0-35.8 1.7-67.6 9.9-93.9 36.1s-34.4 58-36.2 93.9c-2.1 37-2.1 147.9 0 184.9 1.7 35.9 9.9 67.7 36.2 93.9s58 34.4 93.9 36.2c37 2.1 147.9 2.1 184.9 0 35.9-1.7 67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z\"><\/path><\/svg><\/div><\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon-button stk-block-icon-button stk-block stk-ae3ec70\" data-block-id=\"ae3ec70\"><style>.stk-ae3ec70 .stk-button{background:#0e76a8 !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/www.linkedin.com\/company\/smolio\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg data-prefix=\"fab\" data-icon=\"linkedin-in\" class=\"svg-inline--fa fa-linkedin-in fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M100.28 448H7.4V148.9h92.88zM53.79 108.1C24.09 108.1 0 83.5 0 53.8a53.79 53.79 0 0 1 107.58 0c0 29.7-24.1 54.3-53.79 54.3zM447.9 448h-92.68V302.4c0-34.7-.7-79.2-48.29-79.2-48.29 0-55.69 37.7-55.69 76.7V448h-92.78V148.9h89.08v40.8h1.3c12.4-23.5 42.69-48.3 87.88-48.3 94 0 111.28 61.9 111.28 142.3V448z\"><\/path><\/svg><\/div><\/span><\/a><\/div>\n<\/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-8e6eae2\" id=\"tipp-7-behalte-deine-finanzziele-taglich-im-blick\" data-block-id=\"8e6eae2\"><h2 class=\"stk-block-heading__text\">Tip 7: Keep an eye on your financial goals every day<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ca379a8\" id=\"das-ist-unser-letzter-lifehack-um-deine-finanzen-zu-optimieren-setze-dir-ein-monatliches-sparziel-du-weisst-wie-hoch-deine-sparquote-im-letzten-jahr-war-vergleiche-tipp-1-und-kannst-dir-vornehmen-sie-in-diesem-jahr-zu-erhohen-was-bedeutet-das-in-franken-fur-dich-pro-monat-schreib-dir-dein-sparziel-auf-einen-zettel-und-stecke-diesen-in-dein-portemonnaie-oder-die-handyhulle-das-erinnert-dich-daran-bei-allen-ausgaben-dein-sparziel-im-blick-zu-behalten\" data-block-id=\"ca379a8\"><p class=\"stk-block-text__text\">This is our last life hack to optimize your finances. Set yourself a monthly savings target. You know how high your savings rate was last year (see tip 1) and can resolve to increase it this year. What does this mean for you in francs per month? Write your savings target on a piece of paper and put it in your wallet or cell phone case. This will remind you to keep your savings target in mind for all your spending.     <\/p><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-ea7294a\" data-block-id=\"ea7294a\"><p class=\"stk-block-text__text\"><span style=\"font-weight: 400\">Make it a habit to think about your spending for the day once a day, perhaps on the way home. Were they necessary and okay? Do I really want to spend money on it? Apps like <a href=\"http:\/\/www.habitbull.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">Habitbull<\/a> can help you change your habits. If you deal with your spending behavior, this will lead to a change in your spending. This is because the <a href=\"https:\/\/de.wikipedia.org\/wiki\/Hawthorne-Effekt\" target=\"_blank\" rel=\"noopener noreferrer\">Hawthorne effect<\/a> describes the fact that behavior changes simply by being observed. Take advantage of this and take a close look at what you do!      <\/span><\/p><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-92e6d8e\" id=\"zusammenfassung-finanzen-optimieren-ist-gar-nicht-so-schwer\" data-block-id=\"92e6d8e\"><h2 class=\"stk-block-heading__text\">Summary: Optimizing your finances is not that difficult<\/h2><\/div>\n\n<div class=\"wp-block-stackable-text stk-block-text stk-block stk-009812d\" data-block-id=\"009812d\"><p class=\"stk-block-text__text\">With our 7 life hacks, you can optimize your finances and get a grip on your pension provision.\nFirst get an idea of your financial situation and realize what you are already doing well.\nFrom now on, you should pay yourself first and then everyone else.\nBecause you are your own boss: if you take care of yourself, you are taken care of!\nControl your expenses and check how you can generate more income.\nTake care of your pension situation by closing existing gaps.\nAnd finally: take a look at your finances, because if you observe yourself, your behavior will change for the better.      <\/p><\/div>\n\n<p data-block-type=\"core\">We wish you every success with these tips in 2024!<\/p>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-qv2g0ep stk-block-background callout\" data-block-id=\"qv2g0ep\" data-block-type=\"core\" data-block-type=\"core\"><style>.stk-qv2g0ep{background-color:#02b875 !important;margin-bottom:40px !important}.stk-qv2g0ep:before{background-color:#02b875 !important}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-qv2g0ep-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-h61u342\" data-v=\"4\" data-block-id=\"h61u342\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-h61u342-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-h61u342-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-qok4p3y\" data-block-id=\"qok4p3y\"><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\u0308bersicht-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-d9ipdmn\" data-v=\"4\" data-block-id=\"d9ipdmn\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-d9ipdmn-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-d9ipdmn-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","protected":false},"excerpt":{"rendered":"<p>Optimize your finances and have your pension under control: We show you how you can optimize and boost your pension provision and finances with life hacks.<br \/>\nHow to make the next year a success! <\/p>\n","protected":false},"author":8,"featured_media":6982,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2175],"tags":[2379,2348,2402,2390],"class_list":{"0":"post-8671","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-optimize-finances","8":"tag-financial-planning","9":"tag-pillar-1","10":"tag-pillar-2","11":"tag-provision-for-old-age"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc.webp",1200,801,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-800x534.webp",800,534,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-768x513.webp",768,513,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc.webp",1140,761,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc.webp",1200,801,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc.webp",1200,801,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2018\/12\/10074654\/Smolio_Blog_happy-friends-celebrating-with-sparkler-fireworks-2023-11-27-05-05-16-utc-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>Optimize your finances and have your pension under control: We show you how you can optimize and boost your pension provision and finances with life hacks.<br \/>\nHow to make the next year a success! <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/optimize-finances\/\" rel=\"category tag\">Optimize finances<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8671","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8671"}],"version-history":[{"count":2,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8671\/revisions"}],"predecessor-version":[{"id":9549,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8671\/revisions\/9549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/6982"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8671"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8671"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8671"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}