Planning a baby in Switzerland means balancing many decisions — from flats to insurance. Here’s a clear, personal guide to choosing health insurance for pregnancy, understanding what’s covered under basic insurance, and knowing when private is worth it.
Health insurance in Switzerland can feel like a maze. This actuary-written guide answers the 10 questions every expat asks — from costs and coverage to how to save money.
Choosing health insurance in Switzerland doesn’t have to be confusing. This actuary-written guide shows you how to compare models, deductibles and insurers — and truly pay less.
Instead of simply repaying your mortgage with after-tax money, you can use your Pillar 2 pension to do it more efficiently — turning one rule (the WEF withdrawal) into a tax-optimized “smart mortgage loop.”
In Switzerland, you can use part of your occupational pension (Pillar 2 – BVG/LPP) to help buy your home. This guide explains how the WEF withdrawal works, when pledging or withdrawing makes sense, and what tax rules to watch out for.
Most people only think about their pension when retirement suddenly feels close — but by then the system has already shaped decades of future income. This friendly guide explains Switzerland’s three pillars (and the crucial fourth one you build yourself) so you can make smarter decisions long before it’s too late.
From 2025, Switzerland’s Pillar 3a gets a powerful upgrade: you’ll be able to make retroactive “buy-in” contributions for up to 10 missed years — and still get the full tax deduction. Learn how the new rule works, who qualifies, and how to turn lost years into long-term gains.
Pillar 2 buy-ins and Pillar 3a contributions both cut your taxes — but they work in very different ways. This guide breaks it down in plain language, with real CHF 50 000 examples and a simple framework for choosing the best strategy for your horizon. If you’ve ever wondered where your next saved franc should go, this is the clearest answer you’ll find.
Avoid the most costly errors with your Pillar 3a in Switzerland. Learn the five biggest mistakes: keeping it as a savings account, single-account withdrawal, ignoring asset allocation, skipping when changing jobs or moving abroad, and waiting too long to start.