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  1. fintech-banks-harness-the-potential-of-open-banking

    Fintech: banks harness the potential of open banking

    Banks collaborate closely with fintechs in order to offer their clients innovative services. The "Finanz und Wirtschaft" fintech conference explored the practical potential of open banking and where Credit Suisse is headed in this regard.

  2. Retirement provision in Switzerland: Pillar 3a is important for employee benefits insurance

    "Solidarity in employee benefits insurance is under severe strain"  

    Retirement provision in Switzerland is out of kilter. In this interview, pension experts Markus Stierli and Rocco Baldinger discuss solutions for state pension provision ("AHV"), employee benefits insurance ("second pillar"), and tied pension provision ("Pillar 3a"). They explain why personal responsibility is the only practical model at present. 

  3. Pillar 3a: Women with children and women without children save differently for their retirement

    According to a new pension study by Credit Suisse, women in dual-income couples are aware of the importance of their retirement provision. However, those with children are more likely to pay into pillar 3a than those without. This is the case even though on average the mothers have lower disposable income. What is the cause of this surprising finding?

  4. Rocco Baldinger, Credit Suisse: Opening several Pillar 3a accounts can have tax benefits.

    Open several Pillar 3a accounts and possibly save taxes as a result

    People who pay their pension capital into different Pillar 3a accounts can save taxes in many cantons, because the capital can then be withdrawn gradually over several years. We reveal how many accounts it's worth having and over what period you can withdraw your capital. 

  5. Young women could invest more in their tied pension provision

    Tied pension provision: Young women would have excellent prospects of a good retirement provision

    Many young, single women do not save much for retirement, even though they would have the financial means to do so. But this is important, especially when you consider possible career breaks later on. People who pay into the third pillar early and regularly can reduce pension gaps and maintain their usual standard of living in old age. Tied pension provision also provides opportunities for saving taxes and building wealth.

  6. adult-protection-law-advance-directive-and-living-will

    Protecting your own interests. The adult protection law promotes autonomy.

    Autonomy instead of heteronomy. That is what the Swiss adult protection law stands for. But it is only possible if we make use of our creative potential. Why it is important to draw up an advance directive and living will.

  7. A revision to the law of succession: a new succession law for Switzerland

    A revision to the law of succession: increased self-determination regarding your estate

    The anticipated revision to the Swiss law of succession promises increased self-determination regarding your estate. The current law of succession came into force around 100 years ago and is no longer fit for purpose. We explore the legislative changes planned by the federal government.

  8. Lower salaries and part-time work prevent women from paying into Pillar 3a

    Women would pay more into pillar 3a – if they could

    Lower incomes and more part-time employment are the main reasons that women pay into Pillar 3a less frequently than men. A current Credit Suisse study shows that, all things being equal, women would pay more into their private pension provision than men.

  9. Saving tax with Pillar 3a

    Multiple savings with Pillar 3a

    Significant tax savings can be achieved with Pillar 3a since the government provides tax incentives for deposits and payouts in order to promote 3a savings. With some skillful planning, you can enjoy multiple savings. We'll show you how.

  10. Understand your pension fund statement, pension certificate

    How to understand your pension fund statement

    The pension fund statement – also called the pension certificate – contains specific information about your second pillar that concerns not only your retirement age. However, you need to be familiar with some jargon and background information in order to understand your pension certificate properly. We explain them in an example, point by point.