Tag Archives: retirement

(Disclosure: Some of the links below may be affiliate links) We have talked a lot about Swiss Banks on this blog. But we have not yet talked in detail as to what happens to your money if one Swiss Bank defaults (bankrupts). In that case, there is a special deposit insurance for the customers of the failed bank. Even though Swiss banks are reputed very safe, they are not infallible. It is essential for customers what would happen to their bank account balance if their bank goes bankrupt. In...

(Disclosure: Some of the links below may be affiliate links) If you plan to retire early, it is important to know when you will be able to retire. We have already covered a lot of simple math about Financial Independence. But we have not yet covered how to know how long it will take you to retire (or to become Financially Independent). In this article, we are going to cover the simple math behind Financial Independence and find out how long you will need before you can early! And since we...

(Disclosure: Some of the links below may be affiliate links) Choosing a great third pillar is very important. You will invest in this account for many years in the future. Recently, there has been a trend for Robo-Advisors. So, now there are also Robo-Advisors third pillars. I have already talked about Selma, the Robo-Advisor. But now, I want to talk about their third pillar offer. In late 2019, Selma introduced their third pillar offer. If you already have an account with Selma or if you...

(Disclosure: Some of the links below may be affiliate links) Frankly is a third pillar account offered by Zurcher Kantonal Bank (ZKB). It is an interesting third pillar because it allows you to invest heavily in stocks. And on top of that, the fees are quite low.It is good to see that there are more and more alternatives for good third pillar accounts in Switzerland.So, let’s see what exactly is Frankly and how good it is!In this article, I am going to look at many things about Frankly: its...

(Disclosure: Some of the links below may be affiliate links) If you want to reach Financial Independence and be able to retire, you need to know how much you are going to spend while retired. If you are retiring next year, it is straightforward to know how much you are going to spend. However, if you are going to retire in a long time, it is not trivial to estimate how much you will spend in retirement.I have already talked about the different ways tor each Financial Independence (FI)....

(Disclosure: Some of the links below may be affiliate links) The third pillar of retirement of Switzerland is entirely optional. Your contributions will be locked until retirement. But you will get a significant tax cut from your contributions.So, should you contribute to your third pillar every year? Before, it was obvious to me. I have always contributed as much as I could into my third pillar. But recently, several people have asked me if they should invest the maximum every year.Even...

(Disclosure: Some of the links below may be affiliate links) People that are between jobs in Switzerland transfer their second pillar to a vested benefits account. It is essential to choose the best vested benefits account.There are many vested benefits account providers in Switzerland. Unfortunately, there are not many great options. So, it is crucial to choose the best account for your needs.VIAC and valuepension are the best options available for vested benefits accounts. So, let’s see...

(Disclosure: Some of the links below may be affiliate links) VIAC is an excellent company that provides the best third pillar in Switzerland. And they just entered the Vested Benefits market. It means that they can also serve the second pillar for some people. It is excellent news!VIAC Vested Benefits account offers a large allocation to stocks at a low price. On paper, it looks great. Let’s review this account in detail now.This article is in my in-depth review of VIAC Vested Benefits...

(Disclosure: Some of the links below may be affiliate links) Many of you asked me about an excellent vested benefits account. Until recently, I did not know any good one. But now, I came across valuepension! valuepension offers an excellent vested benefits account.valuepension is a vested benefits account that relies on index investing! They are using low-cost index funds and allow people to invest heavily in stocks. Their vested benefits account looks like a great account that should...

(Disclosure: Some of the links below may be affiliate links) Many people are using bonds in their portfolio to make it less volatile. And many people are basing their retirement on the 4% rule. But bond yields have never been so low. So how does the 4% rule work when yields are lower?I am going to try to answer this question in this post. I am going to simulate the chances of success with the 4% rule with different bond returns. The idea is to lower the historical interest rate to see what...