Autor: Marcel Zutter Cross-border commuters face specific challenges, particularly with regard to occupational benefits and tax issues. This guide aims to shed light on this complex issue and provide practical information for those who cross the border between their country […]
Pension Fund Interest Rate 2022 in Comparison
Autor: Lucas Widmer Following a prosperous 2021, the investment year of 2022 is recorded as one of the worst, with most pension funds unable to evade this downturn. This year, we present the interest rates different pension funds are offering […]
Is the Pension Reform Backlog Slowly Clearing?
Author: Lucas Widmer During the 2021 winter session, Swiss parliament addressed long-awaited reforms to the Swiss pension system’s first and second pillars. Here’s a summary of the key outcomes: AHV Reform 21: Equal Retirement Age for Women and Men Parliament […]
BVG Reform: Finally Solved… Or Not?
Author: Lucas Widmer After extensive debate, Parliament has passed a bill to reform the BVG (Occupational Pension Provision). This article examines the reform’s impact on employees and companies and what the future holds. 5-Point-Plan[1] 1. Reduction of the Conversion Rate […]
6x More Retirement Pension: Swiss Entrepreneur Pushes Through Own BVG Reform
Author: Lucas Widmer In Arlesheim, a gastronomy and fine food entrepreneur demonstrates how to reform a personal pension fund solution independently of politics. Three Employees Fall Through the Cracks Occupational pension provision at the statutory minimum presents financial challenges not […]
Marriage vs. Cohabitation – The Financial Consequences for Retirement Provision
Author: Melina Scheuber Choosing between marriage and cohabitation is a deeply personal decision. While there’s no definitive right or wrong, understanding the financial and insurance implications is essential Pillar 1: Old-Age and Survivors’ Insurance (AHV/IV) In marriage, a couple’s maximum […]
What Impact Do Part-Time Work, Maternity Leave, Wage Inequality, and Household and Family Work Have on a Woman’s Retirement Provision?
Author: Melina Scheuber – 37% Retirement Pension Despite working similar weekly hours as men, women receive, on average, about 37% or CHF 20,000 less in pension benefits in their old age. While men’s average total annual pension is […]
Maternity and Finances – What You Need to Consider
Author: Melina Scheuber If you’re embarking on family planning or are already expecting, congratulations! A positive pregnancy test brings incredible joy for both you and your partner. However, it also raises various questions and concerns: the baby’s health, necessary preparations, […]
Pension Fund: 10 Technical Terms Explained Simply
Author: Melina Scheuber The pension system can be complex, with many technical terms adding to the complexity of understanding occupational pensions. Here’s a simplified explanation of some key terms. Coordination Deduction & Insured Salary The coordination deduction helps align pensions […]
How to Make the Right Provision for Part-Time Work
Author: Melina Scheuber In Switzerland, approximately 60% of women are employed part-time, compared to around 18% of men [1]. This model is increasingly popular, especially among women under 30 [2]. Various factors contribute to this trend: leisure, education, work-life balance, […]
