Understand more. Decide better.
In-depth guides, worked examples and selected sources for your personal and business decisions in Switzerland.
172 articles available
Starting a business: pension cash is not free start-up capital
Verify social-insurance status before planning an early payout.
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Compare vested-benefits providers beyond the advertised rate
Fees, transfer service and investment design can matter as much as interest.
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A new job: transfer pension capital before considering a buyback
Existing vested benefits and new contributions must not be confused.
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Finding forgotten pension assets: start with the official search
A trace request identifies institutions; it is not an immediate cash payout.
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Using vested benefits for a home: fund the property without forgetting retirement
A lawful early withdrawal still has long-term consequences.
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Returning to France: the pension paperwork has its own timetable
The French affiliation check is distinct from departure and tax formalities.
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Leaving Switzerland for the EU: separate compulsory and extra-mandatory assets
Moving abroad does not automatically unlock the entire second pillar.
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Divorce: include every vested-benefits account in the pension picture
Accurate records matter more than assumptions about who paid the premiums.
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Cash or securities in vested benefits: match the real transfer horizon
A future job can shorten the investment horizon unexpectedly.
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Variable income: make 3a sustainable before maximising it
A contribution plan should survive a weak quarter, not only a good year.
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A 3a tax saving is a before-and-after calculation
The contribution is not the saving, and a marginal rate is only a first approximation.
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Five years from retirement: plan the 3a exit before the deadline
Coordinate timing, working status, investment risk and taxation.
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Using 3a for a home: withdrawing and pledging do different jobs
Coordinate property finance with retirement capital and liquidity.
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Small annual fees, large long-term differences
Read the complete cost structure before relying on a return chart.
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100% equities in 3a: time horizon is not the whole answer
Combine horizon, loss capacity and the date you may need the assets.
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Who receives your 3a? A beneficiary review worth doing now
A will and a pension beneficiary declaration are not interchangeable.
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3a and 3b: flexibility has more than one meaning
Distinguish legal access, product terms and tax treatment.
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The first 3a catch-up year: what 2026 actually allows
Only eligible gaps beginning in 2025 are involved; historic gaps are not all reopened.
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Choosing a sickness waiting period: start with your cash reserve
A cheaper premium may transfer the first weeks of incapacity back to your balance sheet.
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Retirement saving on variable income: design a commitment you can keep
Coordinate voluntary pension saving with seasonality, contributions and essential cash.
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When you stop working, which bills stop? Separate household and business protection
Protect lost personal income without overlooking rent, leases and business continuity costs.
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Using pension money to start a business: the cost beyond the cash injection
A pension withdrawal can fund a launch while permanently changing retirement resilience.
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After daily allowances end: plan for long-term incapacity
Temporary income protection and lifelong consequences need different planning layers.
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From sole trader to company: your insurance does not convert itself
Legal form, employment and insured entities must be aligned at the transition.
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