Tag Archives: retirement

(Disclosure: Some of the links below may be affiliate links) Most of the time, when we hear stories of early retirees, they are all living in countries where the cost of living is much lower than in Switzerland. But recently, I have had the chance to interview an early retiree in Switzerland! Dror has retired in Switzerland in 2021 at the age of 46. His story is very interesting, in that he is one of the first early retirees I have had the chance to talk with. Without further ado, here is...

Over the last couple of years we witnessed quite an extraordinary ride in gold prices. An impressive ascent until the last quarter of 2020 was followed by a pullback that scared many speculators away, which in turn transformed into a period of strength and then came another ebb… And recently, once again, we saw the yellow metal shoot up, fueled by inflation fears and the situation in Ukraine. Given that the fundamentals remain unchanged and that the only way is up for gold, another...

(Disclosure: Some of the links below may be affiliate links) Using the third pillar in Switzerland is a great way to save money on your taxes. However, it is not always easy to choose a third pillar provider since there are many of them, and new ones are regularly coming. Freya 3a is a new third pillar available in Switzerland. They aim to provide sustainable investments for the third pillar, and they claim that they are doing differently than the existing third pillars and at a reasonable...

(Disclosure: Some of the links below may be affiliate links) I have talked in detail about the retirement system in Switzerland, the so-called three pillars. However, I have not yet talked about a not well-known part of this system: pillar 1e. In this article, I want to cover in detail pillar 1e. We will see what it is all about, who can profit from it, and more! Pillar 1e In Switzerland, most people are aware of the existence of the three pillars, even if many people are not entirely...

(Disclosure: Some of the links below may be affiliate links) I have talked in detail about the retirement system in Switzerland, the so-called three pillars. However, I have not yet talked about a not well-known part of this system: 1e pension plans. In this article, I want to cover in detail 1e pension plans. These pension plans are sometimes called pillar 1e. We will see what it is all about, who can profit from it, and more! 1e Pension Plans In Switzerland, most people are aware of the...

(Disclosure: Some of the links below may be affiliate links) In Switzerland, you can make a voluntary contribution to your second pillar. These contributions come with some tax advantages since you can deduct that from your income. Therefore, you have a return equal to your marginal tax rate. And this return is almost instant. However, the money is then blocked into the second pillar. And the returns on that blocked money have been very low in recent years. Finally, you can only withdraw...

(Disclosure: Some of the links below may be affiliate links) In Switzerland, contributing to your third pillar is one of the best ways to save on taxes. I recommend everybody to contribute to their third pillar. But contributing to your third pillar is not enough. You should invest the money in your third pillar. That means you have to pick the best third pillar for your money. Since there are many options, it may be difficult to choose the best...

(Disclosure: Some of the links below may be affiliate links) There are many third pillar providers in Switzerland. Some of them are good, but most of them are too expensive. You do not want to waste your retirement bank on fees. Therefore, you need to choose the best third pillar provider. In 2018, VIAC started on the market of third pillars. VIAC is the first mobile third pillar. And they are really interesting! VIAC has very low fees and lets you...

(Disclosure: Some of the links below may be affiliate links) Your marginal tax rate is an important metric. But it is also a complex and misunderstood concept. Many beliefs about the marginal tax rates are wrong. So, in this article, I want to clear out as much as possible regarding the subject. By the end, you will know how to estimate your marginal tax rate and what it means. Marginal Tax Rate Let’s start at the beginning: what is a marginal tax rate? Your marginal tax rate is the rate...

(Disclosure: Some of the links below may be affiliate links) Until the end of 2020, VIAC was pretty much unchallenged as the best third pillar in Switzerland. And then came Finpension 3a, another great third pillar offer. I have already made reviews of these two great services. But we also need to compare VIAC vs Finpension 3a in detail to see which is the best third pillar in Switzerland? In this article, I am going to compare VIAC vs Finpension 3a in detail. We will see their investing...