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 […]
Pension Provision
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 […]
Change of Job: An Opportunity for Your Pension Assets
Author: Lucas Widmer A job change or an extended career break can significantly alter your occupational pension situation, as it involves leaving your current pension fund. This transition allows you to manage your pension assets tailored to your individual needs […]
Seven Advices on How to Increase Your Retirement Capital and Enhance Your Risk Protection
Author: Melina Scheuber Our pension system relies on three pillars: state, occupational, and private pension provision. Each of these pillars comprises both a pension insurance and a risk insurance component. This means that upon retirement, you receive a pension, and […]
Why Investments are Particularly Important for Women
Author: Melina Scheuber Regular saving is a common practice among 79% of women, yet only 18% engage in regular investments. This statistic emerges from a J.P. Morgan study that surveyed about 4,000 women, aged 30 to 60, across ten European […]
Why It Pays off to Buy into a Pension Fund
Author: Lucas Widmer As the year draws to a close, many people contemplate making contributions to their pension fund. To qualify these voluntary payments as tax deductions for 2023, it’s advisable to complete the transactions by the end of November. […]
