Blog
Understand the mechanisms.
Articles on Swiss personal finance: no product recommendations, no forecasts. Mechanisms explained with real numbers.
Taxation
10 effective tax deductions in Switzerland (excluding pillar 3a)
Commuting costs, training, childcare, mortgage interest, voluntary pension buybacks... The 10 deductions that genuinely reduce your taxable income under Swiss federal tax 2026.
Asset Allocation
Why your allocation decides everything after 25 years
The split between stocks, bonds and cash determines your final wealth far more than individual security selection, market timing, or hot tips.
Pillar 3a
Pillar 3a maximum 2026: amounts, deadlines and tax optimisation
CHF 7'258 for employees, CHF 36'288 for the self-employed. What to contribute, when, and how to maximise the tax saving by canton.
BVG Pension
How the BVG conversion rate works
The conversion rate transforms your BVG capital into a monthly pension. A poorly understood mechanism that has been declining for 25 years.