Guide future provisions

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The bride raises her bouquet of flowers cheering, the groom waves with a wide smile. They both walk down the stairs of a historic building. Their posture radiates joy and confidence. The bride wears a white lace dress and has long, curly blonde hair with a white veil.

Guide

Tying the knot in Switzerland: what are the financial pros and cons?

Agreeing to tie the knot also means agreeing to the new rules on taxes, AHV/AVS and pension provisions. What is changing in terms of finances? Where are there risks and opportunities? We provide a helpful overview – for a financially self-determined future together.

On the left are three young women sitting and standing at white tables. In the background to the right, two other young people are blurred. The young women on the left are smiling and looking at each other. A laptop can be seen in front of the three women. The woman in the middle is holding an open book in her hand. Further in the background, glass panes and white walls are blurred.

Guide

Tips for students: saving, hedging risks and provisions

For many students, saving and providing for the future still sounds a long way off. How should you think about life in retirement when you’re already overwhelmed by the question “where do you see yourself in five years’ time”? That’s where this guide comes in. It shows in a clear way how students can save early, take their first steps in providing for the future while avoiding typical mistakes – so that saving and future provisions make sense even while they are still studying.

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.

A young blonde woman stands in a bright, light-flooded office. With one hand she is typing on a laptop that she has placed on a table, while at the same time holding a cardboard box. Around her are more cardboard boxes and several green houseplants. She is wearing a green blouse and blue jeans.

Guide

Insurance and future provisions for the self-employed

What insurance do I need if I become self-employed? Which insurance is voluntary and which mandatory? And how can I best provide for old age? We answer the most important questions about insurance and future provisions for the self-employed – for a financially self-determined life.

An older couple stand leaning on a railing in front of a river, with a bridge and a historic building in the background. The man hugs the woman and whispers something in her ear. Both wear casual clothes and laugh heartily.

Guide

Tips on providing for retirement

How much will my pension be when I retire? And how can I best provide for old age? Do I have gaps in my contributions? Many people wonder whether they are financially prepared for retirement. Here we share some tips on planning for retirement and reveal how you can start providing for the future now in order to lead a financially self-determined life in old age.

A young couple sits at a wooden table in a bright, modern café. Both are looking at an open laptop in front of them with smiles on their faces. The woman is wearing a grey sweater, the man a striped top and glasses. On the table are a white coffee cup and saucer, a croissant in a paper bag that is open at the front and a smartphone. The atmosphere appears relaxed and friendly – the couple seem to be planning something together on the laptop or doing research, possibly in connection with finances or pension provision.

Investing

Pension certificate – made simple

Every year you receive your pension certificate from your employer showing your projected benefits in the event of retirement, disability or death. However, technical terms like “insured salary” or “purchase options” can often be difficult to understand. We explain how to read your pension certificate correctly in order to keep an eye on your future retirement pension and benefits.

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