Marriage is the start of a new life stage: you are now responsible not only for yourself, but for your family as well. With the right provision, you can look to the future with confidence.

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    The average Swiss man gets married at the age of 32, the average Swiss woman at the age of 29.9

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    In 55% of couples, the man works full time and the woman works part time

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    ¾ of family households consist of married couples with their children in common

Starting a family is not only an incredibly emotional experience, but it also has a major financial impact on your life and your planning. This is especially true if you also plan to buy a house or an apartment with your spouse. So your planning should include financial protection measures for serious events. The right provision can offer you tax advantages as well.

Plan your marriage and family with foresight

If both partners continue to work after marrying, their salary will increase. So it is especially advisable to take suitable measures for optimising taxes. For example, it makes sense to fully exhaust pillar 3a. Making a pension fund purchase and buying a home can also help you save on taxes.

Those with a family have responsibilities – including a financial responsibility. So the first responsibility is to protect against a loss of salary in the event of an extended illness, disability or death. If you are employed, then you automatically have access to certain protections:

  • If you suffer an accident, compulsory accident insurance will pay you a temporary disability benefit. If you become fully unable to work, you will receive 80% of your previous salary (maximum limit: CHF 148,200). If you remain (partially) disabled, then you will have access to IV (disability insurance): IV and accident insurance together pay pensions equal to a total of up to 90% of the insured salary. You may also receive pension fund benefits. And in the event of your death, AHV, accident insurance and, possibly, the pension fund will pay benefits.
  • If you become unable to work due to an illness, first your employer must continue to pay your salary – but only for a short period of time. For example in your third year of service, this period is two months. If your employer has voluntarily concluded short-term disability benefit insurance, your salary is generally covered at 80% for two years. If the disability continues, the employee receives an IV pension and a pension from the pension fund; in the event of death, the survivors receive a pension as well. Benefits can be supplemented by private provisions.

With respect to the inability to work, you may at first think of an accident. However, illnesses are far more often the cause of disability. Only 9% of all IV pension recipients are disabled due to an accident. 

In your marriage, is your partner primarily responsible for the family, but does he or she earn money as well? Don’t forget to include this income in your pension analysis. If it is no longer available, there may be substantial shortfalls, even if the main breadwinner continues to earn his or her regular salary.  

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    And if your partner is not employed? In this case too, a serious illness can cost the family dearly. This is because those who are not employed are poorly protected; at most, they will receive a small IV pension. Who will pay the domestic help and, if necessary, someone to mind the children?
  • Self-employed individuals
    Individuals who become self-employed when they are a young father or young mother rarely have available financial resources. Especially during the initial phase, every spare franc goes into the new company. Pension provision – yes, this is important – but later on, is what many in this situation think. This is not advisable. This is because retirement benefits are not automatically guaranteed for the self-employed. Only AHV and IV are compulsory for the self-employed. If they do not take precautionary measures themselves, they will have neither accident insurance nor pillar 2 and 3 assets.

In particular, our individual advisory service take account of the following eight topics:

  • Disability/death cover
  • Future provisions
  • Tax optimisation (pension provisions)
  • Property insurance
  • Healthcare insurance
  • Own home/mortgages
  • Wealth formation/wealth accumulation
  • Inheritance and succession planning

Make an appointment for a consultation

We can offer you advice to meet your personal needs: from a free initial consultation to a detailed analysis to a tailored solution.

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Pension and financial analysis

With the pension and financial analysis, in the initial consultation we discuss your personal financial situation as a result of starting a family. For the analysis, we need information from you about your overall situation. In line with your needs and wishes, we analyse your financial situation and provide you and your family with various potential solutions so you can be financially secure during this new life stage as well. We also support you in implementing your chosen solution.

Important topic

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Hedging risks

Ensure financial protection in the event of an illness, accident, need for care or death – with risk insurance.

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Make more from your money 

We offer a variety of saving solutions for your personal asset accumulation – with or without coverage.

Make an appointment for a consultation

We can offer you advice to meet your personal needs: from a free initial consultation to a detailed analysis to a tailored solution.