Our guides contain tips on retirement provisions, financial security and asset planning – covering topics from pension gaps to the financial consequences of marriage and divorce.
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.
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.
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.
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.
The coordination offset plays a key role in occupational provisions. It determines the level of pension fund contributions (savings and risk contributions). We answer the most important questions to help you understand and apply the coordination offset correctly.
Single people enjoy considerable self-determination and independence, but they are also solely responsible for their own life and finances. That’s why it’s important that they have all bases covered when it comes to insurance. Should an everyday mishap or unforeseen event arise – the right insurance offers singles the necessary security and protection.
