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Personal opinions and comments on financial topics of all kinds.

Retirement saving made simple

Saving for their old age is one of the things that worries Swiss people the most. Not just the more senior members of the population either; younger ones like Generation Z are equally concerned. Because sooner or later, it is the younger generations that will be carrying the Swiss retirement system on their shoulders. And the system is not as stable as it used to be. So if you want to be as comfortably off as possible in the future, you need to deal with the issue of saving for your retirement at an early stage. This blog post will explain what you need to know about the Swiss three-pillar system and how you can benefit from it as much as possible in future.

Caught between strength and stagnation: a glance at the franc, interest rates and dividends

At a time when stock market indices all over the world are hitting new highs, the Swiss market is standing out for its remarkable restraint. The DAX, CAC 40, DJII and S&P500 have all been putting in impressive performances and setting new records, but the Swiss equity market is stuck some 10% below its all-time high at the end of 2021. This raises questions, especially as the Swiss franc has appreciated strongly against the dollar and the euro, and as major stocks like Roche and Nestlé show signs of weakness. In our interview with Chief Investment Officer Luca Carrozzo we investigate the reasons behind the poor performance of the Swiss market, discuss the role of the strong franc and consider whether the Swiss National Bank (SNB) needs to cut interest rates to get the equity markets going again. Find out why Swiss securities are out of favour at the moment and what this means for investors.

Cybersecurity in e-banking: Trust and security in a digitally connected world

Rapid digitalisation of the financial industry has revolutionised the way people do their banking. This has not only increased efficiency and user-friendliness, but also created new challenges when it comes to security and data protection. For banks, ensuring a protected digital environment is a top priority. For this reason, they continuously invest in innovative technologies and training to constantly maintain security standards.

Is ESG worthwhile for investors?

ESG is becoming an increasingly prominent issue for private clients, and for younger ones in particular sustainable investing is essential. Even more attention will be focused on the issue from 1 January 2024, when the mandatory minimum investment standards of the Swiss Bankers Association come into effect.

A win-win situation: optimise your retirement savings and save taxes

Make sure you are best prepared for the future. If you plan for the long term in Switzerland, you can optimise your retirement savings and save taxes at the same time. How does that work, exactly? This blog post explains how you can cut your tax burden and boost your retirement savings, even if you have a high income.

perspectives 04/2023

The Swiss economy stagnated in the second quarter. However, the labour market remained strong, which had a positive impact on private consumption. The data published suggest that the Swiss economy is becoming less resilient. The problems encountered by Germany, Switzerland’s largest trading partner, are becoming increasingly evident. Meanwhile, the weakness of China is weighing on industrial exports. This suggests that the slowdown in global growth appears to have reached Switzerland.

Opinions on the stock market: Swiss equities

Conventional wisdom has it that those who rely on yields and wish to sleep soundly buy bonds. This is only partially true, as was demonstrated clearly last year.

A comparison of term deposits and savings accounts – increase your money with a higher interest rate

When it comes to saving, choosing the right investment matters. This article looks at two popular ways of investing: term deposits and savings accounts. Find out more and take a well-informed decision in order to make the most of your savings potential.

Renovating your garden by making an early withdrawal from your pillar 3a savings

Are you planning renovation work in the garden of the home you own? Would you like to withdraw money from your retirement savings to do so? This article explains how you can use your pillar 3a savings to renovate residential property.

Opinions on the stock market: Banking crisis 2.0?

The situation surrounding banks has eased a little in the last few days, but the crisis is not over yet.

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