Switzerland Financial Planning
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Myths and misconceptions about pension provision: An overview
A lot of us tend to put off building up a retirement provision and planning for potential misfortunes – often in the belief that such measures aren't necessary when we're young. This is a myth, however; as is the assumption that marriage provides comprehensive protection – and these are by no means the only misconceptions. This article reveals the eight most common myths and explains why it pays to plan prudently and in good time.
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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?
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AHV contribution gaps – everything you need to know
Anyone with gaps in their contributions to the Federal Old Age and Survivors' Insurance (AHV) will end up receiving a lower pension. So, how do these much-feared contribution gaps actually come about? How do you spot them and what can you do about them?
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Purchasing pension benefits: fill gaps and save taxes
Voluntarily purchasing pension benefits is ideal for saving taxes. Manuela Meier-Gloor, a financial planner from Zug, explains what you should consider.
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What is the conversion rate?
The conversion rate is used to calculate the annual BVG pension from the available retirement capital. Anyone who wants to find out what pension is realistic after retirement should know these important facts regarding the conversion rate and BVG regulations.
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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?
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Taking normal retirement. What you need to do.
You will soon be reaching the reference age and wish to take your well-earned retirement. Find out what steps you need to take for normal retirement and what points you need to bear in mind.
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Deferred retirement. Why it pays off.
If you are in good health and enjoy your work, you may want to work past the reference age. How deferred retirement works and what the concrete financial advantages look like.
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Leave the world of work step-by-step with partial retirement
Partial retirement enables gainfully employed persons to gradually reduce their level of employment, provided that their employer allows this. Find out what you need to consider and why detailed planning is key if you intend to take phased retirement.
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Retirement provision in Switzerland. The essentials at a glance.
What will retirement provision in Switzerland look like in the future? And how can you prevent gaps in your pension provision? Read about the latest developments regarding AHV, pension funds, and the third pillar and how gainfully employed persons can best save for old age.
