Read in order, then act.

Withholding tax, pensions, years abroad and leaving: what changes when you arrive or leave.

1. The B permitB permit: withholding tax, pensions, and what happens to your money if you leave 7 min
2. Living in France, working in SwitzerlandLiving in France, working in Switzerland: where you pay tax, depending on your canton 7 min
3. A few years abroadA few years abroad: the gap in your Swiss pension, and how to close it 6 min
4. Leaving SwitzerlandLeaving Switzerland: your 3a, pension fund and AHV, in the right order 7 min

Emergency fund, health insurance and pillar 3a: what pays most, to do first.

1. The 5 first moves5 moves worth thousands of francs a year 6 min
2. Where to keep your emergency fundWhere to keep your emergency fund in 2026: what really pays when the SNB is at 0% 5 min
3. Choosing your deductibleHealth insurance deductible: CHF 300 or CHF 2'500? The threshold that decides 5 min
4. Switching health insurerSwiss health insurer: same cover, up to CHF 3'000 difference a year 5 min
5. The 3 pillarsThe 3 Swiss pillars: AHV, BVG and 3a, with the 2026 and 2027 figures 7 min
6. The 3a limit and its deadlinesPillar 3a: CHF 7'258 in 2026, CHF 7'373 from 2027 6 min
7. Where to open an invested 3aInvesting your 3a: where to open it, and what fees cost you 6 min
8. 3a with a bank or an insurerPillar 3a with a bank or an insurer: what you are not told when you sign 6 min

Why invest, what is taxed, where to open an account, your first purchase and your split.

1. The risk of not investingThe risk of not investing: CHF 25'600 of purchasing power lost in 20 years 6 min
2. Starting 10 years earlierStarting 10 years earlier: almost twice the capital, for the same effort 6 min
3. What is taxedInvesting in Switzerland: no capital gains tax, and how to pay less on the rest 7 min
4. What an ETF really costsETFs in Switzerland: what they really cost, and how to choose them 6 min
5. Choosing your brokerSwissquote, Interactive Brokers or your bank: which costs less in 2026? 6 min
6. Or a robo-advisor?Robo-advisors: what digital wealth management costs, and for whom it is worth it 6 min
7. Your first purchaseYour first stock market purchase in Switzerland, in 5 steps 6 min
8. How much in equitiesAsset allocation: up to CHF 410'000 of difference over 25 years 6 min

A sum to invest, Switzerland or the world, the strong franc, a market fall and your tax return.

1. Lump sum or instalmentsLump sum or monthly instalments? What the numbers say 6 min
2. Swiss shares or the worldSwiss shares or the world: what home bias brings, and what it costs 6 min
3. The strong francThe strong franc: what currency costs your investments, and should you hedge? 6 min
4. When the market fallsWhen the stock market falls: the reflexes that protect you, and those that cost 6 min
5. Declaring your securitiesDeclaring your securities for tax: the securities list step by step 6 min
6. The professional securities dealerWill I be reclassified as a professional securities dealer? 6 min

What you will get, what you will need, and the levers to close the gap while paying less tax.

1. Your AHV pensionAHV pension 2026 and 2027: how much you will get if you started in Switzerland late 6 min
2. Reading your pension certificateYour pension fund certificate line by line: the 5 figures that matter 7 min
3. The conversion rateBVG conversion rate 2026: how much pension for your capital 5 min
4. How much you needHow much do you need to retire in Switzerland? The calculation by salary 6 min
5. The pension fund buy-inPension fund buy-in: how much tax you save, and the 3-year rule 7 min
6. Several 3a accountsPillar 3a: how many accounts to open, and in what order to withdraw them 6 min
7. Retiring at 62Retiring at 62 in Switzerland: what it really costs 7 min
8. FIRE in SwitzerlandFIRE in Switzerland: aim for 30 to 35 times your spending, not 25 7 min

The deductions not to forget, the year-end moves, buying or renting, and passing on your wealth.

1. The 11 deductionsSwiss tax deductions 2026: the 11 items and their official amounts 7 min
2. The 7 year-end movesEnd of 2026: 7 things to do before 31 December 6 min
3. Buy or rentBuy or rent in Switzerland in 2026: the calculation in 30 seconds 6 min
4. Your pension fund to buyUsing your pension fund to buy: withdrawal or pledge? 6 min
5. Inheritance and giftsInheritance tax in Switzerland: the rate in every canton, by relationship 7 min