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  1. Pension Fund Study: Low Interest Rates and Redistribution Are Putting Pressure to Act

    Pension Fund Study: Low Interest Rates and Redistribution Are Putting Pressure to Act

    Credit Suisse has conducted a survey of nearly 200 Swiss pension funds. The greatest challenge named by participants continues to be the prevailing low interest rate environment. Demographic change and an excessive minimum conversion rate also rank among the main concerns of pension funds.

  2. Where Can I Find Information about the Status of My Three Pillars?

    Where Can I Find Information about the Status of My Three Pillars?

    It is not very easy for people who recently started living and working in Switzerland to keep an overview of their pension status. The AHV and pension fund statement provides important information about the status of your three pillars.

  3. How do I pay taxes on my retirement benefits in Switzerland if I have already paid into a foreign pension fund?

    How do I pay taxes on my retirement benefits in Switzerland if I have already paid into a foreign pension fund?

    People living in Switzerland who have paid money into a retirement fund in a different country are required to pay taxes on those benefits in Switzerland. Under certain circumstances, the country of origin may also impose taxes on those payments. However, in certain circumstances, it may be possible to reclaim those taxes – depending on the double taxation agreement. That is why it is absolutely essential for you to talk to a tax expert in your country of origin and have a look at the double taxation agreement.

  4. What Employees from Foreign Countries Need to Know about the Pension System in Switzerland

    What Employees from Foreign Countries Need to Know about the Pension System in Switzerland

    Pensions in Switzerland are based on three pillars: 1. AHV/IV (old age, survivors' and disability insurance); 2. BVG (employee benefits insurance); and 3. private pension provision (pillars 3a and 3b). Insurance under the first and second pillars is mandated by law. Pillars 3a and 3b are voluntary. 

  5. Demographic Change Is Causing Issues for Retirement Pensions

    Demographic Change Is Causing Issues for Retirement Pensions

    Today, too many retirees need to be financed by too few actively employed workers. This means that the intergenerational contract and retirement provision must be adjusted to suit the conditions of modern society.

  6. Immobilien erben

    Sample Calculation: Inheriting a Property

    Manuela would like to take on an apartment that she inherited together with her siblings. How can she finance the apartment and buy out her brothers? 

  7. Credit Suisse Financial Planning Video

    Financial planning in brief: What is Credit Suisse financial planning and what are the key questions that will be answered? 

  8. Key Information and Tips on Financial Planning

    Key Information and Tips on Financial Planning

    Our guide gives you a whole host of tips, information, as well as answers to key questions on all aspects of financial planning.

  9. Residential Property Pension Fund Assets

    What Happens if a Couple Divorces and Residential Property Was Financed with Pension Fund Assets?

    Many couples use money from their pension fund to finance their house or apartment. This form of financing can certainly make sense in some cases. If they divorce, however, things can get complicated, particularly if the person who wants to assume ownership of the house did not make an advance withdrawal from his/her pension fund. 

  10. "Pension or Lump Sum?" Video

    When it comes to retirement, almost every employee must decide whether to withdraw the saved pension fund assets as a pension or as a lump sum.