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3a retirement savings solutions offer attractive benefits. These include interest rates that are normally higher than standard savings accounts, attractive investment opportunities and tax breaks. As well as boosting your pension, pillar 3 can also be used for other purposes, like buying or building owner-occupied real estate. We explain below how you can use your pillar 3a savings to make your dream of owning your own home come true, and the costs you have to look out for.

In a world where the most precious commodity is time, entrepreneurs and private banking clients need tools that help them organise their finances smoothly and productively. This is where CIC Live can help – our digital communication platform. Find out how CIC Live can help you benefit even more from our financial advisory services.

Worried about security on the internet? You’re not the only one. In today’s digital world, protecting your financial data really matters. Fraudsters use cunning techniques to get hold of our personal data and cause us financial harm. This blog will tell you all you need to know about the commonest forms of fraud on the internet and give you valuable tips on how to protect yourself and your data.

Retirement provision is a key issue in Switzerland and has been at the heart of societal and political concerns for years. The pension system is constantly under pressure to reform due to demographic change and rising life expectancy. This blog post provides an overview of the current AHV 21 reform.

The central banks once again proved to be the key market drivers in the second quarter. The Swiss National Bank set the tone and surprised the world by cutting interest rates in March, and then again in June. The European Central Bank is keen to demonstrate its independence from the Fed and also risked a cut in June.

Interview between Luca Carrozzo and the Swiss Association of Wealth Managers.

Every month we publish our opinion on the macroeconomic environment.

Every month we publish our opinion on the macroeconomic environment.

After a long period of negative interest rates and rising inflation, central banks have hiked interest rates. But how did we get to this turning point, what impact will it have on the global economy and what does the future hold? Find out more in our blog.

Gold is seen as a safe haven in times of uncertainty. Read our blog post to find out more about how the gold price has performed and the factors that affect it.

As a global market leader in generics and biosimilars, Sandoz benefits more than average from rising patent expiries. The first annual financial statements as an independent company released in mid-March showed that the high-margin biosimilars business in particular is growing strongly (+15%). The company is looking to expand this division. Total revenue was up 7% in 2023, but the margin fell to 18% due to one-off costs from the spin-off, amongst other things. Financial analysts were originally looking for a target of CHF 40, but the stock price has moved sideways around the CHF 25 level since the IPO on 4 October 2023. Given the forecast revenue growth of 5% and margins that should hit 20%, a price/earnings ratio of 11 is far too low.

The first quarter is already behind us and performance was positive. Artificial intelligence remained a focus of attention and was one of the main drivers of the positive return from financial markets. According to a study published recently, the number of companies mentioning AI in their financial reports has reached a new record: 36%.