The blog
Understand before you decide.
Our advisers break down the subjects that matter on both sides of the border: retirement, insurance, taxation and cross-border life. Real examples, no jargon.
AVS, the 1st pillar: understanding the foundation of Swiss retirement so you can plan ahead
The Swiss pension system rests on an architecture of three pillars. The first, the AVS, is the compulsory base of the whole system. It is funded by the contributions of everyone working in Switzerland.
Read the article →
AVS in practice: real examples, advice and strategies to plan ahead
Because a system is sometimes easier to understand through real situations, here are three typical profiles that show how the AVS actually works.
Read the article →
LPP, the 2nd pillar: everything you need to know to make it work for your retirement
The AVS is the base of the Swiss pension system, but it is not enough to keep a standard of living close to the one you had while working. That is the role of the 2nd pillar.
Read the article →
The Swiss 2nd pillar: real advantages, limits to anticipate, and advice to make the most of it
The 2nd pillar (LPP) is often seen as an administrative tool imposed by the employer. It is in fact one of the most powerful tools for building a retirement.
Read the article →
The Swiss 3rd pillar: how to make it a strategic tool (and not just a savings product)
When retirement in Switzerland comes up, attention naturally turns to the AVS and the LPP 2nd pillar. But a third pillar exists, and it is voluntary.
Read the article →
The Swiss 3rd pillar: advantages, pitfalls and good practice for using it strategically
The 3rd pillar is often presented as a simple add-on to the first two levels of the Swiss pension system. It is in fact a tool with strong strategic potential.
Read the article →
Life insurance: the favourite tool of the French, but is it really justified?
If there is one investment everyone has heard of, it is life insurance. It has become almost a must-have in the French wealth landscape.
Read the article →
Life insurance unpacked: advantages, pitfalls and winning strategies
Life insurance is a versatile tool with real tax advantages, but it can also disappoint when it is badly used or badly chosen. Here are three common pitfalls to know about.
Read the article →
Cross-border right of option: CMU or LAMal? The choice you can only make once
When you start working in Switzerland while living in France, one of the first decisions to make is not a banking one, nor a tax one, nor even a practical one.
Read the article →
CMU or LAMal: how do you choose the right health insurance as a cross-border worker?
One of the most important choices a cross-border worker has to make as soon as they start working in Switzerland concerns their health cover.
Read the article →
PER: new-generation retirement savings, good idea or empty promise?
The word “retirement” is enough to make people roll their eyes. Between one reform after another, the announced fall in pensions and the uncertainty over retirement ages.
Read the article →
PER: understand it fully and make it work for your retirement savings
The Plan Épargne Retraite has obvious strengths, but its limits should not be overlooked, especially when they have not been anticipated.
Read the article →What now?
An article sheds light, an appointment settles it.
Your situation deserves better than a general answer. Your adviser goes through it point by point, in conversation.
Book an appointment The first appointment is free of charge.