Switzerland is a nation of renters for a reason, but the math behind homeownership is complex. By using the Opportunity Cost framework, we look past the monthly mortgage and reveal the full analysis numbers of ETF versus a leveraged CHF 1.5 million property. Is your capital better off in a brokerage account or in Swiss real estate? Let’s run the actuarial numbers.
While 2024 was the “shock” year for interest rates, 2026 has created a unique pivot point. With mortgage costs halved and rents at all-time highs, an actuary analyzes the numbers for Zurich, Geneva, Basel, Bern, and Lugano.
Swiss personal finance is complex. AIctuary is a specialized AI assistant designed to navigate Swiss mortgages, pension pillars, taxes, and investment decisions with domain-specific knowledge.
Why do homeowners build wealth faster? It’s leverage. A clear, real-world explanation of property leverage — from Babylon to modern Swiss mortgages.
Is buying a home better than renting in Switzerland? A numbers-first comparison using realistic Zurich data and real ownership costs.
A curated list of books on investing, money and decisions. Timeless reads I’ve personally found valuable for building long-term judgement and perspective.
A concrete example of how the Swiss pension system can be used to repay a mortgage more efficiently, using Pillar 2 buy-ins and tax optimisation.
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.