When expats think about Switzerland, one assumption appears again and again: “It’s a tax haven.” But the reality is more nuanced.Switzerland can be extremely tax-efficient
Most expats choose their canton based on convenience, assumptions, or hearsay. Not on data. Not on tax strategy. The result is predictable: unnecessary costs, lower
Starting in 2026, the Canton of Zug will cover almost all inpatient hospital costs for its residents.In other words: if you live in Zug and
More and more people with foreign roots support their parents or parents-in-law in their home country financially. What many don’t know: under certain conditions, these
When tax season rolls around, many people start wondering: “Should I hire someone to do my tax return? And if so, how much should it
As March ends, the annual obligation to file a tax return approaches—a process many find challenging. What counts as taxable income? Which items can be
EXPERIENCE AND SPECIALIZATION Long-standing experience in accounting and specialization in your industry are crucial. An experienced accountant understands the nuances and requirements of your business.
Introduction Filing taxes is an annual duty many find cumbersome and time-consuming. However, with modern solutions, this process can now be fast, simple, and entirely
Introduction to the Marriage Penalty and Marriage Bonus in Switzerland The terms “marriage penalty” and “marriage bonus” play a central role in the discussion of
Are you an English speaker in Switzerland struggling with your tax returns? Look no further than ajooda AG, offering comprehensive tax return services across all
The financial year 2023 for the city of Lucerne closed much better than expected. Originally projected to report a loss of 31.2 million francs in
Filing your tax return is an annual obligation in Switzerland that many people prefer to postpone. However, with the right information and tools, this process
In 2023, Switzerland witnessed a remarkable financial situation: the cantons closed their accounts with a total surplus of over 3.3 billion Swiss Francs, far more
Welcome to the World of Clarity and Precision in Tax Advisory At ajooda AG, we’ve dedicated ourselves to mastering the intricacies of Swiss taxation. Specializing
The debate over the taxation of the super-rich in Switzerland often diverts us from a fundamental truth: high taxes are a burden that hinders economic
The municipality of Menzingen in the canton of Zug closed the fiscal year 2023 with an impressive surplus of 5 million francs, far exceeding initial
Welcome to the latest expansion of the ajooda-team: Our branch in Zurich We are excited to announce that ajooda AG, your trusted partner for tax
Budget Plans and Job Growth in the Canton of Zurich The Canton of Zurich is planning a significant increase in government spending and an expansion
The Canton of Zug exemplifies a model deeply rooted in Swiss traditions of autonomy and decentralized administration. It showcases the benefits of minimal state interference
Introduction Choosing the right tax advisor in Switzerland is an important decision that should be made carefully. With a multitude of providers offering their services,
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
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
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
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
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
The pillar 3a maximum amount 2025 is CHF 7’258 for employees who are not self-employed and are connected to the pension fund. On the other
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
When people talk about the 3rd pillar, 99% of times they are talking about pillar 3a. However, most people don’t even know that there is
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
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
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
The coordination deduction for 2025 is CHF 26’460 and ensures that you are not double insured. The coordination deduction is always 7/8 of the maximum
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
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 or 2nd pillar) What is occupational pension? The occupational benefit scheme is part of the 2nd pillar in Switzerland and
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
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
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
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 – An Overview Worldwide, access to the stock markets has become much easier for private investors in recent years. In the
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
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).
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
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
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
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
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
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
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 pension will I receive and what is the maximum AHV pension? The maximum AHV pension for individuals in 2025 is CHF 2’520 per
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
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
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 is the process of optimising the organisational structure and corporate culture in such a way that the flexibility and performance of the organisation
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
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
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 – The health insurance system seems infinitely complex, but we show how simple it can be if you only know which points
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
In order for us to complete your 2024 tax return, we need specific information and documents. To ensure that nothing is missed, we have created
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
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
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.
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 returns are a time-consuming duty every year. Let us do your tax return online for you. Easy, fast and secure with ajooda – your
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
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
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,
Foreigners, who are taxable in Switzerland, give money away by not claiming their tax deductions, in the tax return 2024. This article shows, that with
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
