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  1. Advance directive: Download a sample and draw it up by hand

    Use a sample to draw up an advance directive. Set out your own wishes.

    If a person no longer has the capacity to make decisions due to an accident or serious illness, they become dependent on the help of third parties. It's good if an advance directive is in place in such cases. Our sample will help you to draw up an advance directive by hand.

  2. Women need to be careful about their retirement provision when working part-time or on a career break

    Women: Think about your retirement provision if working part-time work or taking a career break

    Part-time work and employment interruptions are key reasons why women invest less in Pillar 3a, according to a new study by Credit Suisse. However, it is particularly important for them to increase their exposure to this pillar in order to compensate for the loss of the AHV and BVG pension due to reduced contributions.

  3. Employee benefits insurance in the case of multiple jobs. What you need to know.

    Multiple jobs: What you need to know about your pension fund 

    These days, many employees work part time for several employers. This means that, despite regular income, they don't earn enough to fall directly under statutory BVG insurance. Nonetheless, they too should provide for their retirement. What solutions are available for this with employee benefits insurance? 

  4. This is what single moms can do for their retirement provision

    Retirement provision for single moms: Four tips so that you can lead a self-determined life in retirement

    Women with children are aware of the importance of saving for their retirement. This is shown by a recent Credit Suisse study. But less than half of single women with children pay regularly into Pillar 3a – probably due in part to being on a tight budget – with correspondingly negative consequences for their retirement provision. We provide four tips on how you can provide for more financial independence in your old age.

  5. 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. 

  6. 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?

  7. 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. 

  8. 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.

  9. 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.

  10. 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.