Indirect amortization of real estate through pillar 3a
If you do not want to amortize your property directly by gradually repaying the mortgage at your bank, you can use indirect amortization through pillar
Indirect amortization of real estate through pillar 3a
If you do not want to amortize your property directly by gradually repaying the mortgage at your bank, you can use indirect amortization through pillar
What is a tax ruling in Switzerland (Steuervorbescheid)
A tax ruling (“Steuervorbescheid”), is an binding statement from the tax office regarding a tax matter. If an entrepreneur or private individual wishes to obtain
How much tax refund can I get with a subsequent ordinary assessment if I am taxed at source?
Since 01.01.2021, it is possible for the first time for all foreigners without a C-Permit who are resident in Switzerland, to apply for a subsequent
Unemployment insurance (ALV) in Switzerland
If you become unemployed, you are entitled to unemployment insurance benefits if you have worked in Switzerland for at least 12 months in the last
How much tax do I pay on the pillar 3a payout?
Pillar 3a is worthwhile because of the great tax advantages and in order to increase the capital in the longer term through interest. This capital
A business plan is a critical tool for any entrepreneur or business owner looking to start, expand or manage their business. It is basically a
What is the pillar 3a maximum amount in 2023 in Switzerland?
The pillar 3a maximum amount 2023 is CHF 7’056.- for employees who are not self-employed and are connected to the pension fund. On the other
What is the SARON and what is the difference to the Libor?
Libor (London Interbank Offered Rate) is a reference interest rate for the international money market calculated by banks. SARON (Swiss Average Rate Overnight) is a
Pillar 3a vs. Pillar 3b comparison
When people talk about the 3rd pillar, 99% of times they are talking about pillar 3a. For some, the pillar 3a is not convenient, because
What is a 3rd Pillar in Switzerland and how does the 3rd Pillar work?
The 3rd pillar is used to profitably invest capital that you set aside for retirement anyway and to benefit from high tax savings. The 3rd
ajooda Quicknews for investors – October 17, 2022
Inflation Currently, the nominal economic growth of industrialized countries is very strong. For example, the labor market in the U.S. is thriving like it hasn’t
ajooda Quicknews for Investors – 26. September 2022
In recent weeks, the situation on the international capital markets has once again become more serious. After the negative trend in Q1 and Q2, stocks
What is the coordination deduction 2023?
The coordination deduction 2023 is CHF 25’725 ensures that you are not insured twice. The coordination deduction means that only contributions that have not yet
What is the capital withdrawal tax? The capital payment tax must be paid when the capital saved for retirement pension is paid out from the
Solana is a blockchain network that focuses on fast transactions and high performance. It uses a unique method to sort transactions to increase speed without
Changes in withholding tax 2021
What is at stake? In addition to major legislative changes in the Swiss tax area, such as “STAF”, the provisions on withholding tax on employee
The occupational pension (pension fund) of the 2nd pillar What is occupational pension? The occupational benefit scheme is part of the 2nd pillar in Switzerland
The 5 misconceptions of the AHV
1. if I am not gainfully employed, I do not have to pay AHV contributions. Persons who are not gainfully employed, self-employed persons as well
Double-entry bookkeeping Switzerland – Why does it make sense
As the saying goes – double keeps better. This blog explains why double-entry bookkeeping also makes sense for the self-employed. Self-employed entrepreneurs and owners of
Where can i buy shares in Switzerland?
One of the most frequent questions our financial experts receive daily from our readers is: “I want to invest in the stock market, where can
Tax return Zug- What do I have to consider
Which documents do I need for the Zug tax return? You can find a detailed list here: Zug tax return documents checklist Can I calculate
Buying Stocks in Switzerland – Keep this in mind
Buying stocks in Switzerland – An Overview Worldwide, access to the stock markets has become much easier for private investors in recent years. In the
Withholding tax Switzerland – What to consider for the tax return?
Foreigners who move to Switzerland are, at least initially, subject to the income tax system, i.e. a withholding tax on earned income. This system has
Accident insurance in Switzerland – Avoid this mistake
Is accident insurance compulsory in Switzerland? Every person employed in Switzerland is compulsorily insured against occupational accidents under the Federal Law on Accident Insurance (UVG).
Withholding tax on dividends in Switzerland
Those who want to invest in shares have the opportunity to invest in almost all markets worldwide. Rarely are there investors who live in Switzerland
Short-time work (Kurzarbeit) law changes 2021
The laws on short-time work have been subject to revision. On 23 June 2021, Congress extended the maximum qualifying period for short-time allowance (KAE) to
4 most important law changes in Switzerland 2021
Paternity leave As of 1 January 2021, a two-week paternity leave (10 working days) will be introduced, which will lead to changes in the regulations
Form a general partnership in Switzerland
A general partnership (KIG) is the contractual commitment between different persons to operate a company under a certain name. Instead of several people setting up
Set up a sole proprietorship in Switzerland: Keep this in mind
A sole proprietorship exists if a natural person carries out a commercial activity with the aim of making a profit. Next to the limited liability
Which documents does my trustee need for Accounting in Switzerland
In order for us as your fiduciary to be able to keep complete and clean accounts for you, we depend on the completeness of the
How does the AHV work and what benefits does the 1st pillar provide
Fundamentals of old-age and survivors’ insurance (AHV) Why the 1st pillar? The purpose of the 1st pillar is to minimise the economic consequences of common
When you hear cryptocurrencies, you probably think of Bitcoin, Ethereum, Cardano, Litecoin or the like instead of stablecoins. But in the world of cryptocurrencies, these
Deflationary because there will be a maximum of 21 million Bitcoins and never more. Lay people use the word Bitcoin as a synonym for all
How much is my AHV pension in Switzerland
How much pension will I receive and what is the maximum AHV pension? The maximum AHV pension for individuals in 2021 is CHF 2,390 per
What is life insurance in Switzerland
Life insurance offers protection against risks such as disability and death, and lets you save on taxes while your retirement capital continues to grow through
How can I invest in Stocks in Switzerland
Ajooda’s financial advisors get the question “How can I invest in Stocks in Switzerland?” or “How can I invest in cryptocurrencies in Switzerland?” all the
Tax return 2021 Lucerne Get it done online now
Do you have to take your tax return to the tax advisor and all the paperwork is too much trouble for you? The digital method
Organisational development with success into the future
Organisational development is the process of optimising the organisational structure and corporate culture in such a way that the flexibility and performance of the organisation
Legal protection insurance the salvation in a legal dispute
The different areas of life hold a high potential for legal disputes and legal protection insurance can then be the decisive support. Disputes with the
Personal liability insurance – Why you should never be without
Private liability insurance is not legally compulsory. However, every citizen of Switzerland is recommended to take out such insurance. This brief overview shows why it
Zurich tax return – What you need to know
Which documents do I need for the Zurich tax return? You can find a detailed list here: Zurich tax return documents checklist Can I calculate
Swiss health system – Health insurance simply explained
Swiss health system – The health insurance system seems infinitely complex, but we show how simple it can be if you only know which points
How is my pension in Switzerland calculated?
The amount of the pension depends on the contributions to the 1st and 2nd pillars, as well as the years of contributions. How much pension
“Which deductible “franchise” should I actually choose?” Our years of experience in independent insurance consulting have clearly shown us that in most cases only these
Swiss Tax Return Checklist – 2023
In order for us to complete your 2023 tax return, we need specific information and documents. To ensure that nothing is missed, we have created
Tax return 2021 Luzern: Get it done for you online now
Bringing your tax return to your tax advisor and doing all the paperwork is too much of a hassle for you as well? The new
Don’t want to do your tax return 2021 in Switzerland yourself?
The tax return in Switzerland proves to be a time-consuming and tedious obligation every year. The digital method by ajooda.ch, takes all the work off
Health insurance in Switzerland – How much money does an alternative insurance model save?
The classic insurance model of health insurance in Switzerland may still have its justification for existence, but it is almost a thing of the past.
Branch office in Switzerland – Why it might be a smart choice
When setting up a company in Switzerland, foreign companies can choose between establishing a subsidiary or opening a branch office in Switzerland. The most commonly
Tax return online: Simple, safe and efficient – with ajooda.ch
Tax returns are a time-consuming duty every year. Let us do your tax return online for you. Easy, fast and secure with ajooda – your
Capital gains tax Switzerland – Are capital gains tax-free?
The capital gains tax in Switzerland, unlike in many other countries, is very much to the advantage of investors. In the following, we explain how
9 tips to save money on car insurance in Switzerland
Every vehicle owner must have car insurance in Switzerland. In any case, almost no one would let their beloved vehicle be delivered to the potential
File tax return in Switzerland online
So you want to file the tax return in Switzerland online, to save yourself the hassle. Filing a tax return in Switzerland online is fast,
Tax return 2021 – Don’t forget these deductions if you’re a cross-border commuter in Switzerland
Foreigners, who are taxable in Switzerland, give money away by not claiming their tax deductions, in the tax return 2021. This article shows, that with
Tax return in Switzerland – Most important deductions
The allowed deductions for the tax return are almost the same in every canton. What varies enormously, however, is how high the respective deductions are