Swiss Prime https://swiss-prime.ch/ Financial Management and Insurance Brokers Fri, 19 Aug 2022 14:26:29 +0000 en-US hourly 1 https://wordpress.org/?v=6.1.3 Savings for your rent https://swiss-prime.ch/2022/08/14/savings-for-your-rent/ https://swiss-prime.ch/2022/08/14/savings-for-your-rent/#respond Sun, 14 Aug 2022 14:18:23 +0000 https://swiss-prime.ch/?p=1012 To keep your Life standard Switzerland has the 3 Pillar System, that means there are 3 pillars to invest to have a nice retirement, now we will explain to you how this system work and all the three pillars.

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To keep your Life standard Switzerland has the 3 Pillar System, that means there are 3 pillars to invest to have a nice retirement, now we will explain to you how this system work and all the three pillars. The first pillar is organized by the state, it is to safe your existence. The second pillar is organized by your job, but only if you earn more than CHF 21’150 per year. Your employer is obligated to insure you as of age 25 against the results of death & disability. An even greater risk is retirement. And the third pillar is privately organized. Pillar 1 is mandatory for everyone the first part of the second pillar as well, the second part of pillar 2 and pillar 3a and 3b are voluntary.

Pillar 1 AHV/IV/EO

Every month a certain amount of your salary is taken aways and directly paid in to the first pillar. You the employee must pay 5.275 % of your salary into the first Pillar. Your employer pays the same amount but this time it will not affect your salary, that’s why there is a gross and net salary. There are some other points that affect your gross salary, but they don’t affect your pension. The AHV is for your Pension, the IV is for the case you get badly injured and can’t work anymore and the EO is if you can’t work for some other reasons like military service or pregnancy.

Pillar 2 Pensions Kasse, Insurances.

The second pillar is for the case you get injured or something like that. The IV from pillar one supplements pillar 2. This is the mandatory part. With the voluntary part of pillar 2 you can insure a lot more that isn’t covered by the mandatory part 1 of pillar 2.

Pillar 3

After you get retired you will not have a salary. To keep on living you will get about 60% of your salary from the AHV (State Pension). But as an Expad it is more difficult, because if you worked in Switzerland your whole life your AHV will be higher. So to keep your life standard we highly recommend to invest in the Pillar 3a and Pillar 3b.

Pillar 3A

How to invest in to the Pillar3a is totally individualized. There are so man ways to invest, it can be Shares, Real estates, Fonds, precious Metals and many more. If you are an employee you can invest a maximum of CHF 6’883 per year (as per 2020). And if you are self employed you can invest 20% of your income up to a maximum of CHF 34’416 a year. Investing in Pillar 3a is tax deductible that means you can reduce this amount from your taxable income. But if you retake this money in your retirement you must declare for your taxes.

Example:

If you don’t have children and live in canton Zurich, and have a taxable income of CHF 100’000. With Investing CHF 6’883 into Pillar 3a you can save up to CHF 1’851 taxes per year. Isn’t that great?

Pilar 3B

Pillar 3b has two major differences to pillar 3a. First there are no restriction on how much you can or want to invest. The other your investment into pillar 3b are not tax deductibles. So we recommend to sit down with an expert and together you can create a plan how to invest for retirement.

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Donec enim ipsum, posuere vel convallis https://swiss-prime.ch/2020/09/01/donec-enim-ipsum-posuere-vel-convallis/ https://swiss-prime.ch/2020/09/01/donec-enim-ipsum-posuere-vel-convallis/#respond Tue, 01 Sep 2020 14:16:35 +0000 https://swiss-prime.ch/?p=1010 Curabitur ac leo nunc vestibulum mauris vel ante finibus maximus nec ut leo integer consectetur luctus.

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Dicta hic harum et occaeca

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Qui voluptatum et ab sunt tenetur voluptas.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros. Proin eu urna vitae ex feugiat interdum. Nunc vel auctor nisi.

Nulla in tristique nibh. Phasellus porttitor leo id risus cursus. Aliquam tincidunt rutrum ante, eu vestibulum elit phare.

Cras consectetur tristi dictum

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Vivamus mollis, est ut ornare hendrerit, turpis mauris eleifend nunc, a rhoncus felis arcu cursus turpis.

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Quisque in placerat nunc, vitae tincidunt quam. In molestie fringilla massa sed eleifend. Praesent sollicitudin massa ut leo dignissim auctor. Vivamus ut libero vitae odio pellentesque tempor sit amet at felis.

  • Proin ullamcorper eleifend ornare vel augue
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Aenean eu metus at dolor sodales dictum quis rhoncus nisi.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros.

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Ut consequat, mi non egestas dignissim https://swiss-prime.ch/2020/09/01/ut-consequat-mi-non-egestas-dignissim/ https://swiss-prime.ch/2020/09/01/ut-consequat-mi-non-egestas-dignissim/#respond Tue, 01 Sep 2020 14:15:00 +0000 https://swiss-prime.ch/?p=1007 Curabitur ac leo nunc vestibulum mauris vel ante finibus maximus nec ut leo integer consectetur luctus.

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Dicta hic harum et occaeca

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Qui voluptatum et ab sunt tenetur voluptas.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros. Proin eu urna vitae ex feugiat interdum. Nunc vel auctor nisi.

Nulla in tristique nibh. Phasellus porttitor leo id risus cursus. Aliquam tincidunt rutrum ante, eu vestibulum elit phare.

Cras consectetur tristi dictum

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Vivamus mollis, est ut ornare hendrerit, turpis mauris eleifend nunc, a rhoncus felis arcu cursus turpis.

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Quisque in placerat nunc, vitae tincidunt quam. In molestie fringilla massa sed eleifend. Praesent sollicitudin massa ut leo dignissim auctor. Vivamus ut libero vitae odio pellentesque tempor sit amet at felis.

  • Proin ullamcorper eleifend ornare vel augue
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Aenean eu metus at dolor sodales dictum quis rhoncus nisi.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros.

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Curabitur gravida orci quis velit luctus https://swiss-prime.ch/2020/09/01/curabitur-gravida-orci-quis-velit-luctus/ https://swiss-prime.ch/2020/09/01/curabitur-gravida-orci-quis-velit-luctus/#respond Tue, 01 Sep 2020 14:11:09 +0000 https://swiss-prime.ch/?p=1005 Curabitur ac leo nunc vestibulum mauris vel ante finibus maximus nec ut leo integer consectetur luctus.

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Dicta hic harum et occaeca

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Qui voluptatum et ab sunt tenetur voluptas.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros. Proin eu urna vitae ex feugiat interdum. Nunc vel auctor nisi.

Nulla in tristique nibh. Phasellus porttitor leo id risus cursus. Aliquam tincidunt rutrum ante, eu vestibulum elit phare.

Cras consectetur tristi dictum

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Vivamus mollis, est ut ornare hendrerit, turpis mauris eleifend nunc, a rhoncus felis arcu cursus turpis.

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Quisque in placerat nunc, vitae tincidunt quam. In molestie fringilla massa sed eleifend. Praesent sollicitudin massa ut leo dignissim auctor. Vivamus ut libero vitae odio pellentesque tempor sit amet at felis.

  • Proin ullamcorper eleifend ornare vel augue
  • Fusce finibu tincidu fermentum blandit
  • Vestibulum ante ipsum fames in faucibus

Aenean eu metus at dolor sodales dictum quis rhoncus nisi.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros.

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Dicta hic harum et occaeca

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Qui voluptatum et ab sunt tenetur voluptas.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros. Proin eu urna vitae ex feugiat interdum. Nunc vel auctor nisi.

Nulla in tristique nibh. Phasellus porttitor leo id risus cursus. Aliquam tincidunt rutrum ante, eu vestibulum elit phare.

Cras consectetur tristi dictum

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Vivamus mollis, est ut ornare hendrerit, turpis mauris eleifend nunc, a rhoncus felis arcu cursus turpis.

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Quisque in placerat nunc, vitae tincidunt quam. In molestie fringilla massa sed eleifend. Praesent sollicitudin massa ut leo dignissim auctor. Vivamus ut libero vitae odio pellentesque tempor sit amet at felis.

  • Proin ullamcorper eleifend ornare vel augue
  • Fusce finibu tincidu fermentum blandit
  • Vestibulum ante ipsum fames in faucibus

Aenean eu metus at dolor sodales dictum quis rhoncus nisi.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros.

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Lorem ipsum dolor sit amet https://swiss-prime.ch/2020/09/01/lorem-ipsum-dolor-sit-amet/ https://swiss-prime.ch/2020/09/01/lorem-ipsum-dolor-sit-amet/#respond Tue, 01 Sep 2020 14:10:03 +0000 https://swiss-prime.ch/?p=1001 Curabitur ac leo nunc vestibulum mauris vel ante finibus maximus nec ut leo integer consectetur luctus.

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Dicta hic harum et occaeca

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Qui voluptatum et ab sunt tenetur voluptas.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros. Proin eu urna vitae ex feugiat interdum. Nunc vel auctor nisi.

Nulla in tristique nibh. Phasellus porttitor leo id risus cursus. Aliquam tincidunt rutrum ante, eu vestibulum elit phare.

Cras consectetur tristi dictum

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Vivamus mollis, est ut ornare hendrerit, turpis mauris eleifend nunc, a rhoncus felis arcu cursus turpis.

Sed tincidunt tempor leo, vitae consequat lorem ornare ultricies. Nullam fringilla ultricies pharetra. Aliquam suscipit leo vel est fringilla laoreet in eget lorem. Proin non rhoncus nulla. Pellentesque porta nunc pretium, scelerisque justo a, tincidunt tellus. Mauris eu dictum mi. Vivamus non finibus ligula.

Quisque in placerat nunc, vitae tincidunt quam. In molestie fringilla massa sed eleifend. Praesent sollicitudin massa ut leo dignissim auctor. Vivamus ut libero vitae odio pellentesque tempor sit amet at felis.

  • Proin ullamcorper eleifend ornare vel augue
  • Fusce finibu tincidu fermentum blandit
  • Vestibulum ante ipsum fames in faucibus

Aenean eu metus at dolor sodales dictum quis rhoncus nisi.

Nulla consectetur maximus turpis a egestas. Mauris efficitur, ante non bibendum eleifend, diam massa varius ex, non vestibulum risus metus in eros.

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