# Blog — innoVorsorge AG > Articles about retirement, taxes, investing and financial planning in Switzerland. Adresse: https://www.innovorsorge.ch/en/blog Diese Fassung wird beim Bau aus dem Inhalt der Seite erzeugt. --- # Blog [![](https://www.innovorsorge.ch/blog/pexels-tima-miroshnichenko-7567527.jpg)](https://www.innovorsorge.ch/en/blog/investing-in-crisis-times) 28.04.26 [Investing in Crisis Times: What the Data Really Shows](https://www.innovorsorge.ch/en/blog/investing-in-crisis-times) Crashes 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 more](https://www.innovorsorge.ch/en/blog/investing-in-crisis-times) [![](https://www.innovorsorge.ch/blog/cover-raw-a.png)](https://www.innovorsorge.ch/en/blog/pillar-3a-new-beneficiary-regulation-2027) 15.08.26 [Pillar 3a: New Beneficiary Regulation from 2027](https://www.innovorsorge.ch/en/blog/pillar-3a-new-beneficiary-regulation-2027) From 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 more](https://www.innovorsorge.ch/en/blog/pillar-3a-new-beneficiary-regulation-2027) [![](https://www.innovorsorge.ch/blog/pexels-ekaterina-bolovtsova-6077797.jpg)](https://www.innovorsorge.ch/en/blog/pension-fund-pension-or-capital) 21.10.25 [Pension Fund – Pension or Capital?](https://www.innovorsorge.ch/en/blog/pension-fund-pension-or-capital) A decision made once in a lifetime: pension fund capital or lifelong pension? This article shows the advantages and disadvantages of both options. [Read more](https://www.innovorsorge.ch/en/blog/pension-fund-pension-or-capital) [![](https://www.innovorsorge.ch/blog/Anlagefonds--281-29.png)](https://www.innovorsorge.ch/en/blog/etf-switzerland-low-cost-investing) 06.06.26 [ETFs in der Schweiz: Wie du mit wenig Kosten investierst](https://www.innovorsorge.ch/en/blog/etf-switzerland-low-cost-investing) ETFs 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 more](https://www.innovorsorge.ch/en/blog/etf-switzerland-low-cost-investing) [![](https://www.innovorsorge.ch/blog/honorarberatung.png)](https://www.innovorsorge.ch/en/blog/fee-only-financial-advisory) 29.12.25 [Fee-Only Financial Advisory: What Real Independence Means](https://www.innovorsorge.ch/en/blog/fee-only-financial-advisory) Fee-only advice means: you pay your financial advisor directly – no hidden commissions. Learn the difference between commission-based and fee-only advice. [Read more](https://www.innovorsorge.ch/en/blog/fee-only-financial-advisory) [![](https://www.innovorsorge.ch/blog/pexels-pixabay-128867.jpg)](https://www.innovorsorge.ch/en/blog/3rd-pillar-2025) 10.12.25 [3rd Pillar in 2025 – Everything You Need to Know](https://www.innovorsorge.ch/en/blog/3rd-pillar-2025) Pillar 3a maximization, tax benefits, investment options and regulation changes in Switzerland for 2025. [Read more](https://www.innovorsorge.ch/en/blog/3rd-pillar-2025) [![](https://www.innovorsorge.ch/blog/pexels-mikhail-nilov-8296977.jpg)](https://www.innovorsorge.ch/en/blog/independent-financing) 14.03.26 [Independent Financing: More Choice, Better Rates, Higher Approval Chances](https://www.innovorsorge.ch/en/blog/independent-financing) Many homeowners accept the first offer from their bank. Learn how independent financing maximizes your approval chances and avoids costly mistakes. [Read more](https://www.innovorsorge.ch/en/blog/independent-financing) [![](https://www.innovorsorge.ch/blog/pexels-goumbik-928181.jpg)](https://www.innovorsorge.ch/en/blog/pillar-3a-retrospective-payments-2026) 24.03.26 [Pillar 3a Catch-Up Payments: How to Fill Gaps from Past Years](https://www.innovorsorge.ch/en/blog/pillar-3a-retrospective-payments-2026) From 2026 you can close gaps in pillar 3a retroactively up to 10 years back. Conditions, amounts and tax tips — simply explained. [Read more](https://www.innovorsorge.ch/en/blog/pillar-3a-retrospective-payments-2026) [![](https://www.innovorsorge.ch/blog/pexels-vladimir-sputnik-456975643-30170193.jpg)](https://www.innovorsorge.ch/en/blog/job-change-provision) 04.02.26 [Job Change & Retirement Provision: What You Need to Know](https://www.innovorsorge.ch/en/blog/job-change-provision) Changing jobs affects your pension fund and provision. Learn what you need to consider when switching employers. [Read more](https://www.innovorsorge.ch/en/blog/job-change-provision) [![](https://www.innovorsorge.ch/blog/pexels-rickyrecap-1666665.jpg)](https://www.innovorsorge.ch/en/blog/investing-in-retirement-phase) 30.01.26 [Investing in the Retirement Phase](https://www.innovorsorge.ch/en/blog/investing-in-retirement-phase) Many 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 more](https://www.innovorsorge.ch/en/blog/investing-in-retirement-phase) [![](https://www.innovorsorge.ch/blog/Pensionskassenausweis-verstehen.png)](https://www.innovorsorge.ch/en/blog/understanding-pension-fund-statement) 02.01.26 [How to Read Your Pension Fund Statement: The Ultimate Guide](https://www.innovorsorge.ch/en/blog/understanding-pension-fund-statement) Every 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 more](https://www.innovorsorge.ch/en/blog/understanding-pension-fund-statement) [![](https://www.innovorsorge.ch/blog/pexels-marcus-aurelius-4064339.jpg)](https://www.innovorsorge.ch/en/blog/emergency-case) 04.11.25 [Protection in an Emergency – A Guide](https://www.innovorsorge.ch/en/blog/emergency-case) What 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 more](https://www.innovorsorge.ch/en/blog/emergency-case) [![](https://www.innovorsorge.ch/blog/pexels-willianjusten-32839125.jpg)](https://www.innovorsorge.ch/en/blog/true-independence-in-retirement-consulting) 17.10.25 [True Independence in Retirement Consulting](https://www.innovorsorge.ch/en/blog/true-independence-in-retirement-consulting) What does 'independent retirement consulting' actually mean – and who really is independent? [Read more](https://www.innovorsorge.ch/en/blog/true-independence-in-retirement-consulting) [![](https://www.innovorsorge.ch/blog/pexels-emma-bauso-1183828-2253842.jpg)](https://www.innovorsorge.ch/en/blog/choosing-the-right-matrimonial-property-regime) 25.08.25 [Choosing the Right Matrimonial Property Regime](https://www.innovorsorge.ch/en/blog/choosing-the-right-matrimonial-property-regime) Which 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 more](https://www.innovorsorge.ch/en/blog/choosing-the-right-matrimonial-property-regime) [![](https://www.innovorsorge.ch/blog/pexels-n-voitkevich-6863175.jpg)](https://www.innovorsorge.ch/en/blog/save-taxes-switzerland) 18.06.26 [Saving Taxes in Switzerland: The Most Effective Levers 2026](https://www.innovorsorge.ch/en/blog/save-taxes-switzerland) Concrete tax-saving strategies 2026 with CHF amounts: pillar 3a (max. CHF 7,258), PK purchase, 3a staggering, property deductions and more. [Read more](https://www.innovorsorge.ch/en/blog/save-taxes-switzerland) [![](https://www.innovorsorge.ch/blog/pexels-elina-sazonova-1914982.jpg)](https://www.innovorsorge.ch/en/blog/provision-for-young-families) 01.08.25 [Proper Provision for Young Families: The right protection for parents & children](https://www.innovorsorge.ch/en/blog/provision-for-young-families) Smart provision for young families – three simple steps to more security, clarity and future planning. [Read more](https://www.innovorsorge.ch/en/blog/provision-for-young-families) [![](https://www.innovorsorge.ch/blog/pexels-mike-468229-1174103.jpg)](https://www.innovorsorge.ch/en/blog/early-retirement-freedom-with-consequences) 17.07.25 [Early Retirement – Freedom with Consequences?](https://www.innovorsorge.ch/en/blog/early-retirement-freedom-with-consequences) Learn what really matters when you want to leave working life early. We show the biggest pitfalls, surprising costs and psychological aspects. [Read more](https://www.innovorsorge.ch/en/blog/early-retirement-freedom-with-consequences) [![](https://www.innovorsorge.ch/blog/pexels-malte-gottschalk-547905315-20334847.jpg)](https://www.innovorsorge.ch/en/blog/retirement-planning-only-from-50-a-false-myth) 01.07.25 [Retirement Planning Only From 50? A False Myth!](https://www.innovorsorge.ch/en/blog/retirement-planning-only-from-50-a-false-myth) Many believe retirement planning only begins at 50. This article shows why provision matters at every stage of life – and how to start today. [Read more](https://www.innovorsorge.ch/en/blog/retirement-planning-only-from-50-a-false-myth) [![](https://www.innovorsorge.ch/blog/ahv-rente-berechnen.jpg)](https://www.innovorsorge.ch/en/blog/understanding-ahv-pension) 01.09.26 [Calculate Your AHV Pension: How High Your Pension Really Is](https://www.innovorsorge.ch/en/blog/understanding-ahv-pension) Calculate your AHV pension: two factors determine the amount. Child-raising credits, 13th AHV pension, AHV 21 and contribution gaps – simply explained. [Read more](https://www.innovorsorge.ch/en/blog/understanding-ahv-pension) [![](https://www.innovorsorge.ch/blog/gender-pension-gap.jpg)](https://www.innovorsorge.ch/en/blog/gender-pension-gap) 01.09.26 [Gender Pension Gap: Women Receive Significantly Lower Pensions](https://www.innovorsorge.ch/en/blog/gender-pension-gap) Women in Switzerland receive on average 37% lower pensions than men. Causes, facts and solutions for the gender pension gap. [Read more](https://www.innovorsorge.ch/en/blog/gender-pension-gap) [![](https://www.innovorsorge.ch/blog/pexels-rdne-8293778.jpg)](https://www.innovorsorge.ch/en/blog/snb-key-interest-rate-at-0) 01.04.26 [SNB Key Interest Rate at 0%: What It Means for Your Money](https://www.innovorsorge.ch/en/blog/snb-key-interest-rate-at-0) SNB 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 more](https://www.innovorsorge.ch/en/blog/snb-key-interest-rate-at-0)