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  1. Gaetano Cardillo, trainer for client advisors, Credit Suisse, on pension gaps

    Closing Pension Gaps – almost everyone is affected

    How do pension gaps arise, and how can you close them? We put these questions to Gaetano Cardillo, trainer for client advisors at Credit Suisse. His advice: The "pension gap" problem should be tackled at a sufficiently early stage. 

  2. The future of retirement provision

    The future of retirement provision

    The Swiss retirement provision system will face several challenges in the coming years. Jan Schüpbach explains in the video what new solutions in the area of Pillar 3a savings could work for the majority.

  3. For a happy retirement. Handelszeitung: The Big Pillar 3a Securities Comparison

    Handelszeitung: Major Comparison of Pillar 3a Securities

    Credit Suisse has been rated as "good" in the Handelszeitung's major comparison of Pillar 3a securities. The CSA Mixta-BVG Basic investment group was one of the products to top the ratings. This is the fourth year in a row that Credit Suisse has come out on top.

  4. Splitting the AHV, pension fund, and Pillar 3a upon divorce

    What happens to your AHV (Old Age and Survivors' Insurance), pension fund, and Pillar 3a if you get divorced?

    In the event of a divorce, the same principle applies to AHV, pension fund and Pillar 3a assets, namely that entitlements and assets earned during the marriage are divided up. However, this is done differently from pillar to pillar. 

  5. 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.

  6. 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.

  7. 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? 

  8. 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.

  9. 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. 

  10. 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?