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Every day the media report on «the political circus». In a world where geopolitical tensions and power games are everywhere, current international events are indeed reminiscent of a circus performance. For us as asset managers it’s a fascinating but chaotic spectacle, with performers from various countries displaying what they are capable of. Countries and decision makers are showing off their skills on the global stage like artistes in front of an audience. They are pursuing their own interests, but at the same time keeping an eye on what the others are up to.

Subsequent payments into pillar 3a can be made from the 2025 tax year. That means missing pillar 3a contributions can be paid retroactively for the first time from 2026 (going back to 2025). Ordinary contributions for the current tax year as well as subsequent payments are both equally tax deductible for the year of payment. Subsequent payments are generally subject to the same rules as regular payments.

Welcome to the fascinating world of Switzerland – a country known not just for its majestic Alps and delicious chocolate, but also for its bravery and its stability in turbulent times. While many central banks were acting cautiously last year, the Swiss National Bank stepped up, cutting interest rates at all four of its meetings. A bold and far-sighted decision that exemplifies a resolute approach to challenges.

Retiring early is not as simple as you might think. We recommend starting to plan your early retirement in good time. You can only withdraw your retirement savings once. So it is crucial to plan how to make use of your pension savings in advance.

CIC eLounge has very high security standards, both for the computer and via mobile app. Nevertheless, criminals keep using various methods to obtain confidential information. Find out in this post how you can use CIC eLounge in a more secure way.

Imagine the following scenario: the top decision makers at a central bank are sitting around the boardroom table in their suits wondering whether to press the magic interest rate button to stimulate the economy. The question they are asking themselves is something like this: “Should we be giving the economy a cup of regular coffee, or does it need a double espresso?” And when benchmark interest rates come down, hopes rise that companies and consumers will soon be spending happily once again and gross domestic product will go up.

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.