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). This means you 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 provides you with a regular income even over longer periods of illness, so that you can remain financially independent.
Tim rides his bike to work and collides with a pedestrian. 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. Once you reach the age of 21, you are no longer automatically covered by your parents' policies. You should therefore conclude the private liability element of the youth insurance.
If you as an employer or employee are unjustly caught up in a legal dispute, there may be considerable legal fees and court costs as a result. In situations like this, you need legal advice and financial support with the legal protection element of the youth insurance.
Spend, save or invest? Ideally, all at the same time! The monthly salary should therefore be divided up and invested wisely. The sooner your money is invested appropriately, the higher the yield. This way, 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. Did you know that in the tied pension provision (pillar 3a of the Swiss pension provision system), the contributions paid in over the course of the year can be deducted from taxable income? Use the tax calculator to calculate how this affects your tax bill.
Too young to think about a pension? Not true! Thinking about your pension at this stage in your life may be rather difficult, but the earlier you make provisions, the greater your financial room for manoeuvre later on. Give yourself the freedom to decide how you want to shape your retirement. With our pension options you not only gain financial security, but you can also take advantage of tax benefits. Choose the pension option that best suits you in good time. Request a free consultation now.