Life Stories

The Swiss Life blog about living a self-determined life

Popular articles

Guide

Pillar 3b: answers to the top questions

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Guide

Are you saving with pillar 3a? Start the payments at a young age

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Guide

Do you want to emigrate? What you need to know about pensions.

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Guide

Replacing a mortgage – what do I need to take into account?

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People

Dream home story: Anne, Ben, Lina and Nala – “We like a cosy atmosphere with lots of candles.”

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Guide

Take out a mortgage: all important information and conditions at a glance

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A couple look at a laptop while making a calculation.

Guide

Identifying and avoiding pension gaps

How much will my pension be? There is no general answer to this question. However, you can already check whether you have any pension gaps. This means not having enough money to finance your spending in a self-determined manner when you reach retirement age. We will show you how to calculate pension gaps and what you can do to close them.

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An elderly couple with their arms around each other on a golden-brown meadow. They are stood with their backs to the camera. The couple looks at a young family consisting of two adults and two children. The man holds the girl by the hand, the woman has the little boy on her arm. The people are all dressed in shades of grey or brown.

Guide

Inheritance and estate planning in Switzerland – an overview

The partially revised Swiss inheritance law has been in force since January 2023. The new provisions give you greater flexibility and self-determination in deciding who will inherit your estate and in what amounts. You can now dispose of a larger portion of your estate at your own discretion. Changes include a reduction in the compulsory portions for descendants and discontinuation of the compulsory portion for parents. We provide an overview of what to keep in mind with regard to inheritance and estate planning.

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A stylish woman in her 50s with grey, wavy hair and round glasses is relaxing on a grey sofa in a modern office. She wears a dark blue top and checked trousers, has a confident smile and looks straight into the camera. Glass walls, office furniture and blurred silhouettes of working people can be seen in the background.

Guide

Voluntary purchases in the 2nd pillar – key info

The pension fund supplements the 1st pillar and helps to maintain your standard of living in old age or in the event of disability or death. With a voluntary purchase you can increase your retirement savings and reduce your taxable income, as the deposits are tax-deductible. Please bear in mind, however, that taxes will be due on the subsequent payout.

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A woman is sitting relaxed in a sunny outdoor café. She is holding a green coffee cup with both hands and looking calmly at the camera. She is wearing a bright outfit with a blazer and watch. Other customers can be seen in the background.

Guide

Pillar 3a: what do I need to know?

Pillar 3a enables you to invest strategically in your retirement provisions – while saving on taxes. Tax-qualified provisions help you accumulate assets over the long term, especially if you choose investments with compounding interest. We show you the advantages of pillar 3a and how you can make optimal use of them – for more financial self-determination.

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