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FINBERG Compass

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The vested benefits account and vested benefits credit balance for cross-border commuters and expats

In the previous article, we discussed the topic of forgotten vested benefits assets, which totalled around 5.6 billion in 2022. In the following article, we explain what the vested benefits account is, when it is used and go into more detail about the vested benefits account for cross-border commuters and expats. We also explain the low interest rate of the Substitute Occupational Benefit Institution, what alternatives are available and explain the tax differences in our neighbouring countries.

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Home ownership in old age, sell or keep?

The most frequently cited reason for staying in a large detached house is that a rented flat would be more expensive! Find out whether this preconception is actually true when you look at the overall situation, what advantages and disadvantages the two options have and what else you need to consider in the latest Compass, including a practical example.

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The Individual Account - IK and what you need to consider

Why it is worth ordering the IK statement regularly and how the pension can change by CHF 15,000. The Individual Account (IK) records the income subject to contributions, the contribution periods and the care credits on an annual basis and forms the basis for the subsequent calculation of the retirement, survivors' or disability pension. In the following article, we will show an example from practice and take a closer look at the Individual Account.

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Occupational pension provision (BVG) today and what will change with the reform

About a year ago, the Swiss electorate was allowed to vote on the AHV reform, which was narrowly accepted at the time.

After a clear "yes" to the BVG reform on 17 March 2023 by the National Council and the Council of States, various trade unions, the SP and the Greens launched a referendum and submitted over 140,000 signatures against the reform at the end of June. Now, in spring 2024, the 2nd pillar will also be put to the vote with the BVG reform. In the following article, we show you the most important changes and explain why a reform will be inevitable sooner or later.

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Saving for the children

Saving and dealing with money are skills that children should learn early on. Financial education is an important part of upbringing and can be groundbreaking for the relationship to money in adulthood. How can you optimally prepare your children and give them an additional jump-start into adult life?

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Home ownership and retirement

Can I still afford my own home after retirement if interest rates rise? What else do I have to consider when planning and what imputed costs does the bank calculate?

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FINBERG Compass

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