Switzerland Financial Planning

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  1. AHV 21: These are the most important changes

    AHV 21 reform: The main changes as of January 1, 2024

    The Swiss electorate has decided: On September 25, 2022, they said "yes" to the AHV 21 reform, which is expected to enter into effect by January 1, 2024. This is intended to secure financing for the first pillar until 2030. The reform will be financed by the increased reference age for women and by the increase in VAT. Here are the key changes, explained simply.

  2. Private debt: Credit financing as an asset class

    Defy volatility with investments in private credit markets

    The current volatile market environment is putting pressure on institutional investors. Private credit markets seem to be a welcome alternative, as they offer an attractive return profile and predictable risks. What opportunities does this asset class offer?

  3. Pension planning interview with Désirée von Michaelis

    Reforms in the Swiss pension system are overdue.

    The Swiss pension system needs reforms and is facing major changes. What do employees who wish to best provide for their retirement years need to know now? Désirée von Michaelis, Head of Wealth Planning at Credit Suisse, talks in the interview about the state of pension provision in Switzerland and provides tips for personal retirement planning.

  4. Change of domicile after retirement

    Moving house after retirement – things to consider

    The kids have moved out; the family home has become too big. As retirement approaches, many couples start to focus on moving to a smaller, age-appropriate home. If you'll be retiring soon, you should obtain detailed information about the financial consequences of moving your domicile to another canton.

  5. Pension provision in a registered partnership

    Security for your life partner. What same-sex couples need to know.

    Under a registered partnership, same-sex couples can live together and take responsibility for one another if they remain in a registered partnership after July 1, 2022. But what would happen if one partner dies or is no longer able to work due to illness? Read about the benefits for registered partners from your pension plan in the event of disability or death.

  6. Energy crisis creates new opportunities for institutional investors

    Clean electricity is the new oil. Investment opportunities amid the energy crisis.

    Europe is in the midst of its biggest energy crisis since the Second World War. Via long-term investment in energy infrastructure, institutional investors can nevertheless play their part in ensuring supply security.

  7. Company valuation: Calculating with the new capitalization rate

    Valuation of unlisted companies for tax purposes. Eight questions and answers.

    Over the past few years, tax administrations have valued unlisted companies based on largely constant factors. The Swiss Tax Conference (SSK) has drawn up new recommendations for the practice of calculating capitalized income value in order give better consideration to the changing market movements. We explain what you need to know.

  8. Closing pension gaps. Swiss pension system

    Identifying, avoiding, and closing pension gaps early on

    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?

  9. 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.

  10. 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.