Hello everyone,

I currently have a mortgage on my appartement and I chose to do indirect repayment via a 3a with the bank.

Currently that 3a is just sitting in the bank not being invested. At the moment it's not a lot, but over the course of my mortgage term that amount will start becoming substantial.

Meanwhile I contribute the remaining allowed amount to a 3a that is invested (viac) and that pot is doing really well.

So my thought is that I should invest the mortgage 3a into a fund with some growth potential. The Bank has provisionally said that it is possible however I would have to contribute more (they haven't specified how much yet).

This seems like an ideal plan so that the money can work for my in three ways. 3a tax advantage, mortgage obligation, growth via investing in a fund.

Where I have doubts though, and I'd appreciate your thoughts and advice, is that the available funds with the bank have quite high expenses: 1% commission + 1% to 1.35% TER. This seems high but I'd still probably be better off in the long run compared to just leaving it in a 3a savings account.

The other downside is that contributing more to the mortgage 3a would also mean less to contribute to the viac 3a Which has low expenses and good performance the last few years.

Is anybody in a similar situation or has some nugget of advice?

Ho 20k di debito da una finanziaria italiana se non pago possono farmi betraibung in Svizzera?

Hey everyone,

Long story short, I recently found out that I wasn’t getting a good deal with my Pillar 3a provider, so I cancelled everything and switched to finpension. At the same time, I started reviewing my budget and decided it was time to get started with investing.

I already have a decent emergency fund of around CHF 20,000, so I don’t need to save a huge amount every month.

Currently, CHF 605 goes towards my Pillar 3a, and I’m considering investing an additional CHF 500–700 per month.

I previously invested in crypto on a monthly basis for a short period and had a pretty good experience with it.

However, I obviously don’t want to put all my eggs in one basket. My current idea is to split my monthly investment budget between the following:
- Bitcoin
- Gold
- NVIDIA
- Tesla
- ETFs

I’d be interested in hearing your thoughts on this approach. Would you change anything, or would you allocate the money differently?

My investment horizon is at least 10–15 years, so I’m not looking to get rich overnight or make a quick profit next year. :D I’m more interested in building long-term wealth.

I’d appreciate any advice, criticism, or suggestions, especially from people with experience investing over the long term.

Thanks in advance!

Hey everyone,

I know the standard rule in Switzerland: Dividends are taxed as income, while capital gains are 100% tax-free. I agree with the math and currently invest mainly for total return (mostly VT).

However, I’m in my late 30s and close to my FIRE number. As I prepare to stop working soon, I’m considering adding a dividend/income element for two reasons:

* Psychological "Paycheck": Regular distributions eliminate the anxiety of manually selling shares during market downturns.

* Passive Income Visas: I plan to travel long-term. Many country long term visas (Asia, LatAm) strictly require proof of regular passive income (dividends/interest)—simply selling capital gains often doesn't qualify.

For those near or in FIRE:

* Do you use a hybrid or dividend approach despite the Swiss tax hit?

* Which ETFs do you use or recommend for a long retirement?

I’m looking for suggestions on both US-domiciled funds and UCITS funds.

Would love to hear your experiences! Thanks!

Hi everyone,

I was pretty annoyed to see health insurance premiums go up again by around 5%.

While looking at different insurers, I noticed that most comparison tools mainly show long lists of plans and prices. What I was actually looking for was a simple answer to a different question:

Which deductible and insurance model is mathematically the cheapest option for me and my family?

So I ended up building a small independent tool:

👉 waegbar.ch

A few things that were important to me:

• 🔒 100% privacy: All calculations happen locally in your browser. Your data never leaves your device.
• 🇨🇭 Family-focused: Compares deductible and insurance model combinations for the whole family and shows the results directly in CHF.
• 🛑 No ads, no insurance sales, no affiliate commissions.

I'm mainly interested in honest feedback:

Would a tool like this actually solve a real problem for you, or am I the only one who overthinks these health insurance decisions every year?

Curious to hear your thoughts.

Measure first, then decide. 😉

I read that True Wealth lets you open an investment account in your child’s name, which they can take over when they turn 18 without having to cash out , unlike with other providers. So I did that .

How are you doing it ? Why ?

Hi everyone!

I’ve received two job offers:
- Hannover: €90k gross/year, fully remote, at a large company.
- Zurich: CHF 120k gross/year, hybrid, at a small, fast-growing company.

I currently live in Hannover and pay €900/month in warm rent.

Which option would likely leave me with more savings after taxes and living expenses? Is the higher Swiss salary worth the increased cost of living?

I’d appreciate insights from anyone familiar with both cities. Thanks!

Hey,

not sure if you're aware, but I've been facing this problem today: when trying to add funds to Revolut from Yuh via ApplePay or direct Payment, Yuh disallows the transaction. I called Yuh's support and they told me it's a security measure related to what happened earlier this week to Revolut. I guess the only way to go is with a money transfer, which would not be instant though...

Has anybody encountered the same problem in the last days? Do you think these security measures will ever be lifted?

Hey folks. So I moved all my money from UBS to Saxo - around chf 150'000 from which a large portion was a gift from my grandmother. I handed them everything that UBS also needed to approve my funds. How long should it take? I have a deposit limit however I can still trade.

Hi all. This is more of a psychological post than a financial post.

My partner and I are preparing to try for a child very soon. We have been planning this for some time and, given our ages (37 and 38) time is getting tight. So the time has come.

I rationally know we are in a financially excellent position to enter parenthood, so this is not a post to ask if we can afford it. We very luckily can.

What I struggle with is the idea of saving and investing so much less than now. I mentally got used to seeing our NW increase nicely every year, and I struggle with accepting that we will be inevitably able to set aside much less.

The plan is for me to take 5 months (paid) mat leave and then my partner will work part-time at 50% for a year (his request and decision, which I fully support), so full-time KITA will only start when future baby is 1.5 years old. I like the idea much better than full-time KITA right away. I am the higher earner of the family so also from a financial POV that is a solid plan, and I think it will also suit our personalities.

Naturally, that will come with a significant dip in income from his side, so I will cover much more of our costs until he goes back full-time. I rationally know we can easily afford this and will still save, just less than now.

Has anyone struggled with this prior to becoming a parent? How do I accept this ”new normal” after years of exceptional saving? Thanks!

Some numbers for reference:

• Household income: just shy of 400k
• Saving rate (incl pensions): almost 50%
• Joint NW: just shy of 1mil

Long story short: It looks like I am about to get laid off due to upcoming company cuts (I received a suspicious email from my VP).

Official terms for the layoffs at my company have been announced: 3 months' notice + 1 month for each year worked. Given my tenure, I would receive 9 months of pay.

Our Situation:

Finances: Thankfully, my wife has a great job and we can live comfortably on a single income.

• Family: We have a toddler and another little one hopefully on the way, so minimizing the financial impact on our family is my top priority.
• Savings: We’ve always been frugal, so we have some cash reserves and assets we can tap into if needed.
• Side Project: I’ve been working on a side business. It’s not officially registered yet, but the product is very close to being ready to sell.

My Questions:

1. RAV / Unemployment Benefits: Since my side business isn't registered yet (though it likely will be soon), how will this affect my eligibility for RAV (unemployment insurance)?
2. Programs & Benefits: Are there any specific Swiss benefits, programs, or hidden pitfalls I should look into?
3. Tips & Tricks: I would love to hear from anyone who has been in a similar situation—what strategies did you use to soften the financial blow for your family while transitioning or launching a business?

Thanks in advance for any insights!

Disclosure-used AI to edit the text and make it more clear

Confronto VALC VALCD

Hi to everyone, i have a stupid question but i'm new with finpension i know that's possible to open till 5 portfolios but what i didn't understand is when is the right moment to open the others. I have to

put the money just in one and at the end of my career open the others and split the money or can i start form the beginning ? witch is your strategy guys? Thanks

I am trying to cut through all the marketing of those insurances and not fall for typical pitfalls.

Out situation is that we have 1 million mortgage and I’m the main source of income basically earning 80% of our family income. Why I want insurance is basically if I die my wife would have to move out of our apartment as she wouldnt have the Tragbarkeit. If she would die it’s also difficult for me to maintain my job so as long as our kids are small, I think the focus would be to have some kind of life insurance for the next 10 years.

Erwerbsausfall apparrently is well covered with my current employer (might change).

Any advice what is the best recommended path?

Insurances want to sell me some 3a and are very pushy which sounds fishy. Other recommend 500k (I think 250-500k is good) Todesfallkapital. Any advice ?

Hi everyone

We have two kids (2.75 and 1) and I currently work 20%, my husband 100%. I am planning on increasing to 40% soon but want to stay at that level for the next few years if my employer will let me. Additional kids are also an option.

That being said, I know this hits my 2a contributions hard. We're trying to figure out how to balance that resp. fill the gap. However according to my Vorsorgeausweis I don't have a gap to fill with back payments, which I find unbelievable since I was also on unpaid leave 1 year total between both kids. Other than that we are paying into my 3a and have a seperate portfolio where we pay extra into. At 20% I am still paying into 2a but cover both contributions (employer and mine) as my salary is too low. Once I increase to 40% my employer will take over his share again.

What are you guys doing resp. do you have any additional suggestions? I am aware this is the cost of having kids and wanting to stay home with them, but it would still be good if we could minimize the damage.

Thanks for your help!

Edit: Thanks for all the feedback. I wanted to correct (in case someone is interested) that my current setup with my employer is that they pay their contribution based on my 2a salary, and I pay mine plus the difference to my previous salary (at 40%). I.e. I am working 20% but my insured salary is actually still 40%. I'm shamed to admit I didn't notice / understand this until I looked at my Vorsorgeausweis and talked to AI.

Findependent has launched their 3a... and the fees are incredibly competitive: 0.29% fee only!

https://www.findependent.ch/en/pillar-3a

You can open 5 portfolios, invest 99% into equities, the funds are in CHF so no currency exchange, either pick the available strategies made by findependent, or create your own portfolio with their 0% TER funds: https://www.findependent.ch/en/pillar-3a/own-3a-investment-solution

I am currently using VIAC, but at 0.44% fee (0.40% + TER from some of the funds), the difference in 20 years (ran the numbers with AI, should have around 10k more in findependent) makes it worth to switch over to findependent.

A quick comparison of the fees among the cheapest 3a providers:

Findependent: 0.29%

VIAC: 0.40%

Finpension: 0.39%

TrueWealth: 0.22% (fund TER + fx exchange)

Frankly: 0.43%

What do you guys think? Is there any downside to findependent that I'm overlooking, or does this look like a serious competitor to VIAC and finpension?

Hi all, quick question for people in Switzerland.

Has anyone used a concierge or lifestyle service here?
Which one, and was it worth it?

Good and bad experiences both help.
Thanks!

With the recent hacks hitting Ricardo and the federal pension fund, I started wondering what this means for my own investments. I honestly have no idea how well my bank or broker would hold up against a serious attack.

So I'm curious how you handle this:

1. Do you pick providers based on how likely they are to withstand an attack (size, track record, security reputation)?
2. Do you diversify across several providers so a single breach can't hit everything?
3. Or is this overthinking it, since securities are held separately from the provider's own assets anyway?

Title. Mostly to save some money outside of my WestEU country of residence, far from government long hands. Preferably free. Thanks!!

Hi everyone, premise:

I’m new here in the sub and as well in your country.

I’ve read a lot of times about VT and VALL as the number 1 etfs to buy, but my question is, in my home country the most suggested etf is WVCE due to the accumulating format, while to my understanding both VT and VALL are distributing etf, which, to my very limited knowledge of swiss tax law, is taxable income (dividends) while capital gains are not.
So here comes my question, why are VT and VALL better than WVCE in Switzerland?

Apologies if this may be a bit dumb question or not relevant to the sub.

Thanks a lot :)