Tim has successfully completed his training and already knows exactly what he plans to do with his first real salary. We offer him guidance so that he won't have any nasty surprises and so that sooner or later, he'll be able to use the money he has saved to fulfil his dreams.
If young people are unable to work for long periods of time due to an illness or accident, they only get very limited benefits from the state disability insurance (1st pillar). The supplementary benefits from the second pillar are often very limited, so they are particularly affected by the consequences of earning disability. To supplement the minimal benefits of the social insurance, we recommend concluding a disability pension. This guarantees a higher income so that you can continue to enjoy your standard of living no matter what happens.
Tim rides his bike to work, where he has a collision with a pedestrian, who is not at fault. Fortunately no one is injured, but the pedestrian's laptop is severely damaged. In this case, Tim's private liability insurance will cover the claims of third parties and thus the costs of the damaged laptop. As an employed person, you are no longer automatically covered by your parents' policies. You should therefore conclude your own private liability insurance as a element of the youth insurance.
No one is immune to disputes with their employer. Depending on the level of severity, these can end up in court. Without legal protection insurance, the considerable legal fees and court costs can mean the costs really add up. In situations like this, you need legal advice and financial support. With the legal protection element of the youth insurance, you can stay on the safe side.
Squandering your money away and having fun until your account is empty. That might be a lot of fun at the time, but is likely to lead to a mountain of debt. That's why your monthly salary should be divided up and invested appropriately. The sooner you invest part of your money sensibly, the more you'll get from it later. With us, you can realise your saving goals. Use the savings calculator to calculate how you can multiply your money over a specific investment period.
You can spend your hard-earned money on whatever you want. The tax bill, on the other hand, is less pleasing, but there is no way around it. However, various pension options enable you to save taxes, for example with a tied provisional insurance policy.
With the tied pension provision (pillar 3a of the Swiss pension system), you can deduct the contributions you have paid into your pension over the year from your taxable income up to a certain maximum amount. Use the tax calculator to calculate how this affects your tax bill.
Too young to think about a pension? Not true! Thinking about retirement now may be difficult, but the earlier you start, the better you can protect yourself. A pension solution enables you to maintain your standard of living even after retirement and also offers you tax benefits. Find out more about our pension options.
Our solutions will give you financial security. It's worth identifying the pension option that best suits you early on. Request a free consultation now.
If you work in Switzerland, then you are insured through your employer against occupational accidents and, if you work a minimum of eight hours per week, against non-occupational accidents, too. Tim is starting a new full-time job and so does not need to conclude a separate accident insurance policy. Health insurance is compulsory for everyone, however. Whether it's for in-patient treatment with high hospital fees or visits to the doctor due to flu, where your personal health is concerned, the health insurance covers your basic needs. Thanks to the cooperation with our partners, with us you get everything from one source.