Same salary, same contributions and still a CHF 237,000 difference at 65. How the contribution split and interest rate of your pension fund decide your retirement savings, and where you can influence them.
Read moreCalculate your AHV pension: two factors determine the amount. Child-raising credits, 13th AHV pension, AHV 21 and contribution gaps – simply explained.
Read moreWomen in Switzerland receive on average 37% lower pensions than men. Causes, facts and solutions for the gender pension gap.
Read moreFrom 1 June 2027, you can name your children or life partner as beneficiaries in pillar 3a alongside your spouse. What the Federal Council's decision of 12 June 2026 concretely changes and what you should do by then.
Read moreConcrete tax-saving strategies 2026 with CHF amounts: pillar 3a (max. CHF 7,258), PK purchase, 3a staggering, property deductions and more.
Read moreETFs cost 0.2% per year, active funds 1.4% – over 30 years that makes over CHF 100'000 difference. Broker comparison, tax rules and 3a index funds for Swiss investors.
Read moreCrashes are part of investing – but they only cost you money if you react wrongly. Data from Dalbar, Vanguard and Morningstar shows why staying the course is the best strategy.
Read moreSNB at 0%: SARON mortgages are cheap, savings accounts lose money. Three scenarios for your finances. And why 3a funds outperform 3a savings by CHF 136,000 over 25 years.
Read moreFrom 2026 you can close gaps in pillar 3a retroactively up to 10 years back. Conditions, amounts and tax tips – simply explained.
Read moreMany homeowners accept the first offer from their bank. Learn how independent financing maximizes your approval chances and avoids costly mistakes.
Read moreChanging jobs affects your pension fund and pension. Learn what you need to consider when switching employers.
Read moreMany retirees face the question of how to invest their pension fund or pillar 3a capital. This article shows why waiting costs purchasing power, how to structure wealth planning, and how an investment strategy with clear time horizons creates long-term financial security.
Read moreEvery January you receive your pension fund statement – but do you understand what the numbers mean? Learn how to correctly interpret coordination deduction, savings balance and insurance benefits.
Read moreFee-only advice means: you pay your financial advisor directly – no hidden commissions. Learn the difference between commission-based and fee-only advice.
Read morePillar 3a maximization, tax benefits, investment options and regulation changes in Switzerland for 2025.
Read moreWhat happens if you cannot work tomorrow – or if you die? Many believe they are protected. Reality often looks different. In this article you will learn concretely what gaps threaten in case of disability and death – and how to protect yourself and your loved ones now.
Read moreA decision made once in a lifetime: pension fund capital or lifelong pension? This article shows the advantages and disadvantages of both options.
Read moreWhat does 'independent retirement consulting' actually mean – and who really is independent?
Read moreWhich property regime suits us? Learn the differences between participation in acquisitions, community of property, and separation of property – with practical tips for your individual decision.
Read moreSmart pension for young families – three simple steps to more security, clarity and future planning.
Read moreLearn what really matters when you want to leave working life early. We show the biggest pitfalls, surprising costs and psychological aspects.
Read moreMany believe retirement planning only begins at 50. This article shows why pension matters at every stage of life – and how to start today.
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