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Previously Asked Questions

"Is there really no capital gains tax in Switzerland? My investments grow completely without tax, even when I withdraw?"

Investments in Switzerland will not be subject to capital gains tax (CGT) for most individuals, unless...

Investing

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"What is the difference between a cantonal bank like ZKB and a commercial bank like UBS?"

Choosing between a cantonal bank and a commercial bank depends on your needs. If you prefer...

Swiss Financial System

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"Should I open my 2nd Pillar 3a account with the same provider or a different one? What are the differences?"

Overall, whether you should stick with the same provider or choose another provider depends on...

Retirement & Pensions

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"What are the new rules around retroactive contributions to my Pillar 3a?"

As of 1st January 2025, Switzerland has introduced a new rule that entitles those with a Pillar 3a account to...

Swiss Financial System

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"What is the difference between tax residency and permanent residency and/or citizenship?"

Although the terms "tax residency" and "permanent residency and/or citizenship" may seem similar, they serve very different purposes...

Taxation

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"Should I keep my savings in CHF or another currency with higher interest?"

While a higher interest rate might seem appealing, holding savings in a foreign currency comes with certain risks...

Foreign Currency Exchange (FX)

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"Will my foreign pensions be taxed in Switzerland?"

The best approach to find out whether your foreign pensions are taxed in Switzerland is to...

Retirement & Pensions

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"Should I buy property in Switzerland?"

Buying property in Switzerland is a significant decision and whilst it can be a good investment, there is no...

Property

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"Is it better to receive any income from my investments or to reinvest?"

Re-investing any income you receive back into your investments leads to...

Investing

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"What is the Swiss wealth tax?"

Wealth tax in Switzerland is a tax that you must pay based on your net assets and...

Taxation

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"How much money will I have in retirement?"

The money you will have in retirement is linked to the money you...

Retirement & Pensions

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"What was the BVG 21 Reform?"

The vote on 'BVG 21' took place on the 22nd September 2024 and was rejected by voters...

Swiss Financial System

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"How does income tax work?"

The income tax in Switzerland, and various other countries, is progressive...

Taxation

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"How much of my money is protected in a Swiss bank?"

Your deposits in Swiss francs (CHF) and foreign currencies are covered up to...

Swiss Financial System

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"What is TWINT?"

In Switzerland, “TWINT” is a mobile payment solution usable online or in-store...

Swiss Financial System

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"What is the difference between an ETF and an Index Fund?"

Both options offer exposure to a broad range of assets, but...

Investing

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"How does the Swiss tax system work for expats?"

Expats pay income tax on three levels: federal, cantonal, and communal...

Taxation

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"Is there a Swiss bank that is best for expats?"

It is difficult to define the “best” bank, but there are a few in Switzerland that have consistently stood out as...

Financial Planning

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"Insured or Non-Insured Pillar 3a?"

The main differences between insured and non-insured Pillar 3a are...

Retirement & Pensions

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"Should I make voluntary contributions to my Pillar 2?"

These voluntary contributions are known as 'buy-backs'...

Retirement & Pensions

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"How much do I need to save for retirement in Switzerland?"

This question involves evaluating several factors, including...

Retirement & Pensions

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