Switzerland Financial Planning

Financial Planning

Filter Options

Displaying 1- 10 of 99 Articles
  1. Closing pension gaps. Swiss pension system

    Closing pension gaps. Swiss pension system.

    If a pension is not large enough to cover a person's normal expenses, this is known as a pension gap. What are the potential causes of such a gap and what options does the Swiss pension system provide for avoiding or closing them at an early stage?

  2. Switzerland's 3-pillar model

    Pension savings in Switzerland. The three-pillar principle explained in simple terms.

    The Swiss pension system, also known as the three-pillar principle, consists of three pillars. . The public pension scheme (AVS), the occupational pension scheme (LPP) and the individual pension scheme (pillar 3a/b) together form the solid framework for comprehensive pension savings. Pension savings in Switzerland explained simply.

  3. Old Age and Survivors' Insurance (AHV) contributions: employers, employees, self-employed people

    AHV contributions from gainfully employed persons: Contribution rates and payment obligation.

    For gainfully employed and self-employed persons, the AHV contribution requirement starts from January 1 after reaching the age of 18. As of January 1, 2021, the contribution rates for gainfully employed persons changed: AHV contribution 8.7%; IV 1.4%; EO 0.5%. Half is paid by the employee and half by the employer; self-employed persons must pay the full amount by themselves.

  4. AHV contributions for unemployed persons

    AHV contributions: How much do unemployed persons pay?

    Unemployed persons are still required to pay AHV contributions. The amount they pay is determined by their assets and any pension income. The minimum AHV contribution is currently CHF 503 per year. Who exactly is considered to be unemployed and how are AHV contributions for married couples calculated?

  5. Retirement provision in Switzerland: What's the situation with the pension system?

    Retirement provision in Switzerland. The essentials at a glance.

    What will retirement provision in Switzerland look like in the future? And how can you prevent gaps in your pension provision? Read about the latest developments regarding AHV, pension funds, and the third pillar and how gainfully employed persons can best save for old age.

  6. Pension study: Options for retirement planning

    Pension study 2022: Configuration options for retirement provision

    The Swiss pension system allows workers to exert an influence on their individual retirement planning on various levels. Find out to what extent Swiss workers are already using these opportunities now and what trends have emerged in recent years – all of the findings are here in the pension study for 2022.

  7. Testament and Disposal of Estate.

    Estate planning. Regulations and options.

    In Switzerland, issues of inheritance are thoroughly regulated by law. The question is whether the legal regulations align with your personal expectations of who will be your heirs one day and who will receive how much and what. By taking your estate planning into your own hands, you can ensure that your personal wishes are carried out exactly as expressed. Learn more about the statutory regulations as well as the options you do have when it comes to passing on your estate.

  8. The key points of creating your personal will

    Creating your personal will. The most important points.

    A will is an essential tool for estate planning. It allows you to deviate from the legal regulations and stipulate your wishes for allocating your assets. This article will explain how to create a will, what it can include, and what requirements must be met.

  9. Retirement provision for women – special characteristics and challenges

    Retirement provision for women – special characteristics and challenges

    Retirement provision becomes more difficult for women if gainful employment is interrupted for maternity reasons or reduced through part-time working. In such situations, gaps arise in their retirement savings. For this reason, women should engage with the topic of retirement provision in detail. 

  10. Advance directives and living wills: Self-determination in every life situation

    Self-determination in every life situation. Thanks to advance directives and living wills.

    Strokes of misfortune don't have a schedule. That's why advance directives and living wills cover all contingencies and ensure a self-determined life. This is only possible, however, if you make use of the configuration options. The differences between advance directives and living wills at a glance.