Financial planning: what remains after pay and fixed costs?
A useful financial plan covers the monthly budget, reserves, risks and the next major decisions.
Read article ↗ Guides
Financial guides for life in Switzerland
Practical answers about financial planning, tax, retirement, insurance, home ownership, Relocation and business. The right steps depend on your situation.
Financial planning
New job, children or self-employment: when to update your financial plan
Life changes affect income, protection and retirement savings together. A clear sequence helps you review all three.
Read article ↗Retirement
AHV after moving to Switzerland: how to check contribution gaps
Anyone who arrived in Switzerland as an adult should review Swiss AHV years and pension rights earned elsewhere separately.
Read article ↗Pillar 3a or pension fund buy-in: what should you check first?
Both options can strengthen retirement savings and affect taxes. Liquidity and withdrawal plans determine the right order.
Read article ↗Insurance
Insurance review: which policies provide useful protection?
Singles, couples and families need different cover. A structured review reveals gaps and duplicated benefits.
Read article ↗Choosing Swiss health insurance: compare premium, deductible and model
The lowest monthly premium is not necessarily the lowest annual cost. Treatment costs and access rules also matter.
Read article ↗Taxes
First Zurich tax return after moving: which documents do you need?
Clear dates and complete records help you prepare your first Zurich tax return after arriving in Switzerland.
Read article ↗Tax deductions: plan pillar 3a, work expenses and family costs
A deduction reduces taxable income; it is not a refund of the same amount. Check the conditions and keep evidence.
Read article ↗Home ownership
Buying a home in Switzerland: test affordability before you search
An affordable asking price is not enough. Lenders examine your equity, future costs and cash reserves.
Read article ↗Buying a home with a B permit: check purchase rights and financing separately
EU citizens whose main residence is in Switzerland face different property rules from people living abroad.
Read article ↗Relocation
Relocation to Switzerland: the financial steps after arrival
On moving to Switzerland, residence registration, health insurance, pensions and the budget need to be coordinated.
Read article ↗Relocation from Switzerland: what happens to pension fund and AHV rights?
When moving from Switzerland to an EU country, occupational pensions, AHV and health insurance require separate decisions.
Read article ↗Fiduciary and business
Sole proprietorship or GmbH: which structure fits your business?
Liability, capital, tax and social insurance matter more than which business can be registered fastest.
Read article ↗SME bookkeeping: what can you delegate, and what must you oversee?
Bookkeeping, payroll, VAT and employee benefits can be coordinated. Owners still need clear decisions and timely information.
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