{"id":2524,"date":"2022-08-19T13:33:18","date_gmt":"2022-08-19T12:33:18","guid":{"rendered":"https:\/\/ajooda.ch\/en\/vorsorge-3-saule-en\/"},"modified":"2023-06-23T10:31:41","modified_gmt":"2023-06-23T09:31:41","slug":"3rd-pillar-in-switzerland","status":"publish","type":"page","link":"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/","title":{"rendered":"How to save taxes"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2524\" class=\"elementor elementor-2524\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-555efc06 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"555efc06\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3f34479d\" data-id=\"3f34479d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-280ff0f0 Titel-Saule3 elementor-widget elementor-widget-heading\" data-id=\"280ff0f0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Why did the <span style=\"color:#C19F62\">3rd Pillar in Switzerland<\/span> became so <span style=\"color:#C19F62\">popular<\/span>?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-68e5686d\" data-id=\"68e5686d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-79ecbc9c elementor-widget elementor-widget-image\" data-id=\"79ecbc9c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Manage-money-amico-1-1.svg\" class=\"attachment-large size-large wp-image-2425\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a88a542 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a88a542\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-57470eba\" data-id=\"57470eba\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31beabdc elementor-widget elementor-widget-image\" data-id=\"31beabdc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/vorsorge-saeule-3a-1-rafiki.svg\" class=\"attachment-large size-large wp-image-2426\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5f0d79a2\" data-id=\"5f0d79a2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a0eb122 elementor-widget elementor-widget-heading\" data-id=\"2a0eb122\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Why do so many 20-40 year olds use the 3rd Pillar in Switzerland?<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bf4465 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0bf4465\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/ajooda.ch\/en\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Save up to CHF 2,500 in taxes annually<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Those who start later, get punished\u200b<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">AHV won't pay (almost) any pension in 20-30 years<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Retire earlier with CHF 500,000<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60407b3e elementor-widget elementor-widget-text-editor\" data-id=\"60407b3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.19.0 - 28-02-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>No 25 year old today can hope for a pension in 40 years.<\/p><p>The AHV has already been under severe pressure for several decades and will no longer be able to pay pensioners a pension.<\/p><p>The Swiss government therefore promotes the 3rd pillar pension and allows to save up to CHF 2&#8217;500 in taxes per year.<\/p><p>With an average interest rate of 8% per year, it is even possible to retire early than you thought.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-793d6425 elementor-widget elementor-widget-html\" data-id=\"793d6425\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\n    @media only screen and (max-width: 600px) {\n        .col-vorsorge{\n            width:50%!important;\n        }\n\n    }\n  <\/style>  \n    \t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-ea4f2fc e-flex e-con-boxed e-con e-parent\" data-id=\"ea4f2fc\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-29fb5b5 e-flex e-con-boxed e-con e-parent\" data-id=\"29fb5b5\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb73db8 elementor-widget elementor-widget-heading\" data-id=\"fb73db8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#zinsesZinsRechner\">Click here to find out how you can retire 5 years earlier<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64c1fec7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64c1fec7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-56fb4d1b\" data-id=\"56fb4d1b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7125d3a4 elementor-widget elementor-widget-heading\" data-id=\"7125d3a4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Save up to CHF 2,500 in taxes annually<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70b6a67b elementor-widget elementor-widget-text-editor\" data-id=\"70b6a67b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The government itself is aware of the AVH and pension fund problem and therefore offers huge tax savings to those that open a Pillar 3a.<\/p><p>The total amount paid in the Pillar 3a can be deducted from income tax up to a certain limit: CHF 6&#8217;883\/year for employees and CHF 34&#8217;416\/year for persons who are not covered by the pension fund (self-employed).<\/p><p><span style=\"color: #022947;\"><b>Depending on the canton and municipality, this results in an annual tax saving of CHF 1,000-2,500.<\/b><\/span><\/p><p><span style=\"color: #022947;\"><b>How big are the tax savings in your municipality? Ask us!<br \/><\/b><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2a31b026\" data-id=\"2a31b026\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-18598b0b elementor-widget elementor-widget-image\" data-id=\"18598b0b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/vorsorge-saeule-3a-2-rafiki.svg\" class=\"attachment-large size-large wp-image-2431\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-40caeebb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"40caeebb\" data-element_type=\"section\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2a1af44\" data-id=\"2a1af44\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-65ee266f elementor-widget elementor-widget-heading\" data-id=\"65ee266f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Those who start later, get punished<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62a368a elementor-widget elementor-widget-text-editor\" data-id=\"62a368a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Following example:<\/p><p>We have two young men and both put CHF 300 per month into their 3rd pillar.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ee8794d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6ee8794d\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Jonas starts his 3rd Pillar at the age of 25<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Karl starts his 3rd Pillar at the age of 35<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3911c5a4 elementor-widget elementor-widget-text-editor\" data-id=\"3911c5a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Let&#8217;s assume an average interest rate of only 5% per year.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a51be9a\" data-id=\"a51be9a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-402cc3fe elementor-widget elementor-widget-image\" data-id=\"402cc3fe\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Growth-analytics-amico.svg\" class=\"attachment-large size-large wp-image-2432\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f237ff6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f237ff6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2c7f8e41\" data-id=\"2c7f8e41\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46f02c15 elementor-widget elementor-widget-heading\" data-id=\"46f02c15\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Jonas, 25 years old \u2013 CHF 300 per month<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12abb4f8 elementor-widget elementor-widget-image\" data-id=\"12abb4f8\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"534\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1.png\" class=\"attachment-large size-large wp-image-2433\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1.png 768w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1-300x209.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1-72x50.png 72w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-71e9140e\" data-id=\"71e9140e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-68bc687c elementor-widget elementor-widget-heading\" data-id=\"68bc687c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Karl, 35 years old \u2013 CHF 300 per month\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6f8e5c elementor-widget elementor-widget-image\" data-id=\"e6f8e5c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"531\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1.png\" class=\"attachment-large size-large wp-image-2434\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1.png 768w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1-300x207.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1-72x50.png 72w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-173ec0d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"173ec0d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-dc4c27b\" data-id=\"dc4c27b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-14b0f955\" data-id=\"14b0f955\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1f553836 elementor-widget elementor-widget-text-editor\" data-id=\"1f553836\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Since Karl is missing 10 years, his retirement capital is a massive <strong>CHF 200&#8217;000 lower!<\/strong><\/p><p>His interest income amounts to only CHF 137&#8217;657 and is thus not even half as large as Jonas&#8217; hefty return of CHF 302&#8217;657.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-62d79237\" data-id=\"62d79237\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4842d0c7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4842d0c7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-24d3280a\" data-id=\"24d3280a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bf8c8dd elementor-widget elementor-widget-heading\" data-id=\"bf8c8dd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Karl goes full throttle:<br>\n35 years old &amp; starts with CHF 500 per month<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51b1b5e4 elementor-widget elementor-widget-text-editor\" data-id=\"51b1b5e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Karl earns well and therefore decides to start with CHF 500\/month instead of only CHF 300.<\/p><p><span style=\"color: #022947\"><strong>Although Karl contributes CHF 200 more per month than Jonas, he does not catch up with him. He is still missing almost CHF 40&#8217;000!<\/strong><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4aa770a elementor-widget elementor-widget-text-editor\" data-id=\"4aa770a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This is because Karl was not able to take advantage of the compound interest effect early enough and was only able to earn CHF 229&#8217;429 by paying interest.<\/p><p>A whole CHF 73&#8217;228 less, although he contributed more than Jonas the whole time.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a473ed4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4a473ed4\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M173.898 439.404l-166.4-166.4c-9.997-9.997-9.997-26.206 0-36.204l36.203-36.204c9.997-9.998 26.207-9.998 36.204 0L192 312.69 432.095 72.596c9.997-9.997 26.207-9.997 36.204 0l36.203 36.204c9.997 9.997 9.997 26.206 0 36.204l-294.4 294.401c-9.998 9.997-26.207 9.997-36.204-.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">The best time is now! It is better to start small than to try to catch up later with large amounts.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-790c4958\" data-id=\"790c4958\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72e803b2 elementor-widget elementor-widget-image\" data-id=\"72e803b2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"532\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1.png\" class=\"attachment-large size-large wp-image-2435\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1.png 768w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1-300x208.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1-72x50.png 72w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73298da0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73298da0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f519984\" data-id=\"f519984\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1441641e elementor-widget elementor-widget-heading\" data-id=\"1441641e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">AHV at the limit\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51d2b2f8 elementor-widget elementor-widget-text-editor\" data-id=\"51d2b2f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Young people can forget about the AHV Pension.<\/p><p>Reasons:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7948f5df elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7948f5df\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Birth rate in sharp decline (fewer taxpayers in the future)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Increase in the number of retirees and pensioners<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Longer life expectancy (pension should be paid longer)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-436862a5 elementor-widget elementor-widget-text-editor\" data-id=\"436862a5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It is no longer enough to rely solely on the state pension scheme.<\/p><p>Even those who will retire in the next 10 years are in a much worse position than our ancestors who retired 20-30 years ago.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-768c5c1d\" data-id=\"768c5c1d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-21e5ee3c elementor-widget elementor-widget-image\" data-id=\"21e5ee3c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"566\" height=\"448\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV.png\" class=\"attachment-large size-large wp-image-2428\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV.png 566w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV-300x237.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV-63x50.png 63w\" sizes=\"(max-width: 566px) 100vw, 566px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5dc48ec8\" data-id=\"5dc48ec8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4db90dc7 elementor-widget elementor-widget-image\" data-id=\"4db90dc7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"581\" height=\"433\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Lebenserwartung-Schweiz.png\" class=\"attachment-large size-large wp-image-2429\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Lebenserwartung-Schweiz.png 581w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Lebenserwartung-Schweiz-300x224.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Lebenserwartung-Schweiz-67x50.png 67w\" sizes=\"(max-width: 581px) 100vw, 581px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7cf8833e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cf8833e\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c61c63d\" data-id=\"1c61c63d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-17a27d33 elementor-widget elementor-widget-image\" data-id=\"17a27d33\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Warning-amico-1.svg\" class=\"attachment-large size-large wp-image-2946\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4d7a444c\" data-id=\"4d7a444c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4df6b392 elementor-widget elementor-widget-heading\" data-id=\"4df6b392\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">High-income earners at a disadvantage in occupational pension plans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77d53bc5 elementor-widget elementor-widget-text-editor\" data-id=\"77d53bc5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The 2nd pillar (occupational pension) is designed to secure the total income to approx. 60-70% of the previously earned income.<\/p><p><span style=\"color: #022947\"><b>High earners have a particularly big problem: The 2nd pillar only applies to salaries up to CHF 86&#8217;040<\/b><\/span> (without BVG \u00dcberobligatorium).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-29521a01 elementor-widget elementor-widget-text-editor\" data-id=\"29521a01\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>From this, one must deduct the coordination deduction of CHF 25,095, which results in a maximum insured salary of CHF 60,945 (&#8220;coordinated salary&#8221;).<\/p><p>The conversion rate for the retirement pension is currently 6.8%.<\/p><p>This means that if you have, for example, CHF 100,000 in the pension fund, you will receive an annual pension of CHF 6,800 from the occupational pension plan.<\/p><p>When the BVG was introduced in 1985, the conversion rate was 7.2%. This value will continue to fall sharply, new reforms could now reduce it to 6%.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-175e774 e-flex e-con-boxed e-con e-parent\" data-id=\"175e774\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63f4767 elementor-widget elementor-widget-heading\" data-id=\"63f4767\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a id=\"zinsesZinsRechner\">How much money will I receive when I retire?<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9c0317 elementor-widget elementor-widget-heading\" data-id=\"c9c0317\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Compound interest calculator<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-26a76f0 e-flex e-con-boxed e-con e-parent\" data-id=\"26a76f0\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7b8e746 e-con-full e-flex e-con e-parent\" data-id=\"7b8e746\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5045a01 elementor-widget elementor-widget-html\" data-id=\"5045a01\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"container\">\r\n    <div class=\"row\">\r\n        <div class=\"col-md-6\" >\r\n            <div class=\"form-group\" id=\"grid-1\">\r\n                <label for=\"initial_deposit\">Initial capital (CHF)<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"input-group col-md-6 col-sm-8\">\r\n                        <div class=\"input-group-prepend\">\r\n                        <\/div>\r\n                        <input class=\"form-control text-center\" id=\"initial_deposit\" type=\"text\" name=\"initial_deposit\" min=\"0\"    value=\"5000\" data-value=\"5000\" onfocus=\"this.value=''\">\r\n                        <div class=\"input-group-append\">\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-2\">\r\n                <label for=\"contribution_amount\">Deposit amount (CHF)<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"input-group col-md-6 col-sm-8\">\r\n                        <div class=\"input-group-prepend\">\r\n                        <\/div>\r\n                        <input class=\"form-control text-center\" id=\"contribution_amount\" type=\"text\" name=\"contribution_amount\" min=\"0\"  value=\"100\" data-value=\"100\" onfocus=\"this.value=''\">\r\n                        <div class=\"input-group-append\">\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n                <div class=\"form-check form-check-inline radioContainer\">\r\n                    <input class=\"form-check-input radioIcon\" id=\"contribution_period_monthly\" type=\"radio\" name=\"contribution_period\" value=\"12\" checked>\r\n                    <label class=\"form-check-label \" for=\"contribution_period_monthly\">Monthly<\/label>\r\n                <\/div>\r\n                <div class=\"form-check form-check-inline radioContainer\">\r\n                    <input class=\"form-check-input radioIcon\" id=\"contribution_period_annually\" type=\"radio\" name=\"contribution_period\" value=\"1\">\r\n                    <label class=\"form-check-label\" for=\"contribution_period_annually\">Yearly<\/label>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-3\">\r\n                <label for=\"investment_timespan\">Running time<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"col-md-6 col-sm-8\">\r\n                        <input class=\"form-control\" id=\"investment_timespan\" type=\"range\" name=\"investment_timespan\" min=\"2\" max=\"50\" step=\"1\" value=\"5\">\r\n                    <\/div>\r\n                <\/div>\r\n                <span id=\"investment_timespan_text\">5 Years<\/span>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-4\">\r\n                <label for=\"estimated_return\">Interest rate in %<\/label>\r\n                <div class=\"row\">\r\n                    <div class=\"input-group col-md-6 col-sm-8\">\r\n                        <div class=\"input-group-prepend\">\r\n                        <\/div>\r\n                        <input class=\"form-control text-center\" id=\"estimated_return\" type=\"text\" name=\"estimated_return\" min=\"0\" max=\"50\" value=\"5.00\" data-value=\"5.00\" onfocus=\"this.value=''\">\r\n                        <div class=\"input-group-append\">\r\n                        <\/div>\r\n                    <\/div>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"form-group row\" id=\"grid-5\">\r\n                <div class=\"col-sm-12\">\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\r\n        <div class=\"col-md-6 text-center\">\r\n            <div id=\"gesamtKapital\">Total <\/div>\r\n            <div class=\"h3\" id=\"future_balance\">?<\/div>\r\n            <div class=\"h3\" id=\"gesamtZins\">\r\n                Total interest\r\n            <\/div>\r\n            <div class=\"h3\" id=\"totaler_zins\">\r\n                ?\r\n            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2128d61 e-flex e-con-boxed e-con e-parent\" data-id=\"2128d61\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\" data-core-v316-plus=\"true\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47353a6 elementor-widget elementor-widget-html\" data-id=\"47353a6\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t    <div><canvas id=\"myChart\"><\/canvas>\n    <\/div>\n        <script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/Chart.js\/2.7.1\/Chart.js\"><\/script>\n        <script>(function () {\n        var initial_deposit = document.querySelector('#initial_deposit'),\n        contribution_amount = document.querySelector('#contribution_amount'),\n        investment_timespan = document.querySelector('#investment_timespan'),\n        investment_timespan_text = document.querySelector('#investment_timespan_text'),\n        estimated_return = document.querySelector('#estimated_return'),\n        future_balance = document.querySelector('#future_balance');\n      function updateValue(element, action) {\n      var min = parseFloat(element.getAttribute('min')),\n            max = parseFloat(element.getAttribute('max')),\n            step = parseFloat(element.getAttribute('step')) || 1,\n            oldValue = element.dataset.value || element.defaultValue || 0,\n            newValue = parseFloat(element.value.replace(\/\\$\/, ''));\n        if (isNaN(parseFloat(newValue))) {\n            newValue = oldValue;\n        } else {\n            if (action == 'add') {\n                newValue += step;\n            } else if (action == 'sub') {\n                newValue -= step;\n            }\n            newValue = newValue < min ? min : newValue > max ? max : newValue;\n        }\n        element.dataset.value = newValue;\n        element.value = (element.dataset.prepend || '') + newValue + (element.dataset.append || '');\n        updateChart();\n    }\n    \n    \n    \n    function ClearFields() {\n     document.getElementById(\"textfield1\").value = \"\";\n     document.getElementById(\"textfield2\").value = \"\";\n}\n\n\n    function getChartData() {\n        \n            currentYear = (new Date()).getFullYear(),\n            \/\/gets current year\n            currentMonth = new Date().getMonth();\n            \/\/gets month in digits\n             \n\n        var P = parseFloat(initial_deposit.dataset.value), \/\/ Principal\n            r = parseFloat(estimated_return.dataset.value \/ 100), \/\/ Annual Interest Rate\n            c = parseFloat(contribution_amount.dataset.value), \/\/ Contribution Amount\n            n = 1, \/\/ Compound Period\n            n2 = parseInt(document.querySelector('[name=\"contribution_period\"]:checked').value), \/\/ Contribution Period\n            t = parseInt(investment_timespan.value), \/\/ Investment Time Span\n            nSpecial=1-currentMonth;\n\n        var labels = [];\n        for (var year = currentYear; year < currentYear + t; year++) {\n            labels.push(year);\n        }\n        var principal_dataset = {\n            label: 'Capital without interest',\n            backgroundColor: 'rgb(2, 41, 71)',\n            data: []\n        };\n        \n        var interest_dataset = {\n            label: \"Interest\",\n            backgroundColor: 'rgb(0, 76, 133)',\n            data: []\n        };\n        for (var i = 1; i <= t; i++) {\n            var principal = P + ( c * n2 * i ),\n                interest = 0,\n                balance = principal;\n            if (r) {\n                if(i==1){\n                var x = Math.pow(1+ r \/ nSpecial, nSpecial * i)\n                }else{\n                    var x = Math.pow(1+ r \/ n, n * i)\n                }\n                var compound_interest = P * x;\n                var contribution_interest = c * (x - 1) \/ (r \/ n2);\n                var interest = (compound_interest + contribution_interest - principal).toFixed(0)\n                balance = (compound_interest + contribution_interest).toFixed(0);\n            }\n\n            totaler_zins.innerHTML=interest+' CHF';\n            future_balance.innerHTML =balance+' CHF';\n            principal_dataset.data.push(principal);\n            interest_dataset.data.push(interest);\n        }\n\n        return {\n            labels: labels,\n            datasets: [principal_dataset, interest_dataset]\n        }\n    }\n    \n\n    function updateChart() {\n        var data = getChartData();\n\n        chart.data.labels = data.labels;\n        chart.data.datasets[0].data = data.datasets[0].data;\n        chart.data.datasets[1].data = data.datasets[1].data;\n        chart.update();\n        resetChart(chart)\n        \n    }\n\n    initial_deposit.addEventListener('change', function () {\n        updateValue(this);\n    });\n\n    contribution_amount.addEventListener('change', function () {\n        updateValue(this);\n    });\n\n    estimated_return.addEventListener('change', function () {\n        updateValue(this);\n    });\n\n    investment_timespan.addEventListener('change', function () {\n        investment_timespan_text.innerHTML = this.value + ' Years';\n        updateChart();\n    });\n\n    investment_timespan.addEventListener('input', function () {\n        investment_timespan_text.innerHTML = this.value + ' Years';\n    });\n\n    var radios = document.querySelectorAll('[name=\"contribution_period\"], [name=\"compound_period\"]');\n    for (var j = 0; j < radios.length; j++) {\n        radios[j].addEventListener('change', updateChart);\n    }\n\n    var buttons = document.querySelectorAll('[data-counter]');\n    for (var i = 0; i < buttons.length; i++) {\n        var button = buttons[i];\n\n        button.addEventListener('click', function () {\n            var field = document.querySelector('[name=\"' + this.dataset.field + '\"]'),\n                action = this.dataset.counter;\n\n            if (field) {\n                updateValue(field, action);\n            }\n        });\n    }\n\n    var ctx = document.getElementById('myChart').getContext('2d'),\n        chart = new Chart(ctx, {\n            type: 'bar',\n            data: getChartData(),\n            options: {\n                legend: {\n                    display: false\n                },\n                tooltips: {\n                    mode: 'index',\n                    intersect: false,\n                    callbacks: {\n                        label: function (tooltipItem, data) {\n                            return data.datasets[tooltipItem.datasetIndex].label + ': CHF ' + tooltipItem.yLabel;\n                        }\n                    }\n                },\n        \n                scales: {\n                    xAxes: [{\n                        stacked: true,\n                        scaleLabel: {\n                            display: true,\n                            labelString: 'Year'\n                        }\n                    }],\n                    yAxes: [{\n                        stacked: true,\n                        ticks: {\n                            callback: function (value) {\n                                return value+' CHF';\n                            }\n                        },\n                        scaleLabel: {\n                            display: true,\n                            labelString: 'Saldo'\n                        }\n                    }]\n                }\n            }\n        });\n\n})();\n<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-79f7b7d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"79f7b7d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-46ca560\" data-id=\"46ca560\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7a91220e\" data-id=\"7a91220e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44fcd83a elementor-widget elementor-widget-heading\" data-id=\"44fcd83a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">3rd Pillar Bank vs. 3rd Pillar Insurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66653bcb elementor-widget elementor-widget-text-editor\" data-id=\"66653bcb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You can set up a 3a and 3b with a bank or with an insurance.<br \/>Both are quite suitable for pension planning.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4affb12c\" data-id=\"4affb12c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6975f0d4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6975f0d4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-733e41c1\" data-id=\"733e41c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2a084668 elementor-widget elementor-widget-image\" data-id=\"2a084668\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Man-thinking-amico.svg\" class=\"attachment-large size-large wp-image-2436\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-26ae01cb\" data-id=\"26ae01cb\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-20c4d5c elementor-widget elementor-widget-heading\" data-id=\"20c4d5c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What questions should I ask myself before I start looking for a 3rd Pillar in Switzerland?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8ca3e1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3b8ca3e1\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">How much money do I need after I retire, to live a comfortable life?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Who can guarantee that I will actually achieve my savings goal?<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-172f30fd elementor-widget elementor-widget-text-editor\" data-id=\"172f30fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Your bank will contact you when you have enough saved up and try to sell you their own product.<br \/>And indeed, it is better to save the money in the pillar 3a in the bank than in the savings account, because there it does not yield interest, and even possibly negative interest.<\/p><p>The banker will say that you are completely flexible and only have to pay in for retirement when you want.<\/p><p>However, when saving for retirement, the question arises:<\/p><p><span style=\"color: #022947;\"><strong>Is it really an advantage that I only pay in when I feel like it?<\/strong><\/span><\/p><p><span style=\"color: #022947;\"><strong>Fun Fact: A Pillar 3a at the bank lasts on average only 2.5 years!<\/strong><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-591bc6f2 elementor-widget elementor-widget-text-editor\" data-id=\"591bc6f2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>At the beginning you are motivated and with time you go on the overpriced cruise or get the new TV and forget about it with the precaution &#8220;Yes, I&#8217;ll do it later&#8221;.<\/p><p>Out of sight, out of mind &#8211; &#8220;later&#8221; usually never comes and you have to survive in retirement with less than CHF 3,000 (sometimes way less).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1b0699af elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1b0699af\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5407aab3\" data-id=\"5407aab3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-75997c8d elementor-widget elementor-widget-heading\" data-id=\"75997c8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does a 3rd pillar at an insurance offer any advantages?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a183e0d elementor-widget elementor-widget-text-editor\" data-id=\"6a183e0d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The 3rd pillar at the insurance is no longer as rigid as most people think.<\/p><p>In the past, you only had the choice of taking out a mixed life insurance policy in addition to the classic life insurance policy.<\/p><p>This meant that in the first 3 years, the majority of the premiums paid in were used for administration costs.<\/p><p><span style=\"color: #022947\"><strong>Today, you can invest in a investment fund 3a and have the money in the 3rd pillar from day one.<\/strong><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63056716 elementor-widget elementor-widget-text-editor\" data-id=\"63056716\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>With 3rd pillar insurance, you can also pause payments if, for example, you would be unemployed for a longer period of time.<\/p><p><span style=\"color: #022947\"><strong>The great advantage of the 3rd pillar with insurance is that the savings goal is guaranteed to be achieved.<\/strong><\/span><\/p><p>While with the bank you only benefit from the tax deduction and compound interest, with the insurance you have the additional advantage that your savings goal is protected should a risk event occur.<\/p><p>The 3 risks are:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3347f505 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3347f505\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Disability<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inability to pay your Premiums<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-dot-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119.033 8 8 119.033 8 256s111.033 248 248 248 248-111.033 248-248S392.967 8 256 8zm80 248c0 44.112-35.888 80-80 80s-80-35.888-80-80 35.888-80 80-80 80 35.888 80 80z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Death<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-743aa178\" data-id=\"743aa178\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31f551f9 elementor-widget elementor-widget-image\" data-id=\"31f551f9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/At-the-office-amico.svg\" class=\"attachment-large size-large wp-image-2437\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6bc12980 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6bc12980\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-eb0a35b\" data-id=\"eb0a35b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-27497716 elementor-widget elementor-widget-heading\" data-id=\"27497716\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Risk: Disability<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186f2fea elementor-widget elementor-widget-text-editor\" data-id=\"186f2fea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Whether it is due to an accident or illness, it can affect anyone. If you are disabled, you are usually dependent on the IV and your income is severely restricted.<\/p><p>As an option, the insurance company <b>will pay you a supplementary pension to the IV pension<\/b>, also known as a disability pension.<\/p><p>At the beginning of the contract, the amount of this pension can be determined optionally. This is usually between CHF 1,000 and 2,000 per month.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-482c0cb6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"482c0cb6\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Die Pr\u00e4mie f\u00fcr diese Rente ist verh\u00e4ltnism\u00e4ssig sehr g\u00fcnstig.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2d624919\" data-id=\"2d624919\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76f9ebaf elementor-widget elementor-widget-heading\" data-id=\"76f9ebaf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Risk: Inability to pay your Premiums<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17045ed4 elementor-widget elementor-widget-text-editor\" data-id=\"17045ed4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Who continues to pay your monthly premiums if your income has dropped due to disability?<\/p><p>The bank?<\/p><p>No. Only the insurance company does.<\/p><p>The so-called premium exemption is always included and ensures that the insurance company takes over your premiums if you can no longer do so.<\/p><p><strong>This way, the savings goal is achieved no matter what!<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-4045f7ba\" data-id=\"4045f7ba\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6fda83c8 elementor-widget elementor-widget-heading\" data-id=\"6fda83c8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Risk: Death<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d4fc67a elementor-widget elementor-widget-text-editor\" data-id=\"d4fc67a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The risk of death must be covered, especially if you have a family with children.<\/p><p>This is because the gap is enormous if one parent or the main earner no longer exists.<\/p><p>It also makes sense to cover this risk if an indirect amortization of the mortgage through the 3rd pillar is active, because this way the property does not have to be sold in case of death.<\/p><p>By the way, the indirect amortization of a mortgage through the 3rd pillar is the smartest way to finance your mortgage.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-622838ae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"622838ae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1772e709\" data-id=\"1772e709\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-31fe88e2 elementor-widget elementor-widget-heading\" data-id=\"31fe88e2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advantages of indirect amortization for your own home<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72f54f73 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"72f54f73\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">3a premium deductible from income<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Interest deductible<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Total tax burden remains constantly low<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Benefit from compound interest<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-47a8686c elementor-widget elementor-widget-text-editor\" data-id=\"47a8686c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Are you thinking of buying a house or an apartment, but don&#8217;t know exactly how to approach the financing?<\/p><p>We can help you, <a href=\"https:\/\/ajooda.ch\/en\/contact\/\" target=\"_blank\" rel=\"noopener\">get in touch with our experts.<\/a><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-12b8121e\" data-id=\"12b8121e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-78a45b5 elementor-widget elementor-widget-image\" data-id=\"78a45b5\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Cabin-amico.svg\" title=\"\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7288cbe7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7288cbe7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-50121b81\" data-id=\"50121b81\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7a617dc2\" data-id=\"7a617dc2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52e5a19 elementor-widget elementor-widget-heading\" data-id=\"52e5a19\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Does the 3rd pillar have any other advantages?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77c7983a elementor-widget elementor-widget-text-editor\" data-id=\"77c7983a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Yes absolutely!<br \/>There are 2 very important advantages:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-25977203\" data-id=\"25977203\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-603a4d3b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"603a4d3b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-79f0c2cf\" data-id=\"79f0c2cf\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-478a2128 elementor-widget elementor-widget-heading\" data-id=\"478a2128\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Inheritance privilege<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea21007 elementor-widget elementor-widget-text-editor\" data-id=\"5ea21007\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If a person passes away, the descendants inherit his or her assets and debts.<\/p><p>If the deceased is so heavily indebted that the debt even exceeds the assets, the descendants must reject the inheritance in order not to have to bear the debt.<\/p><p><strong>The capital in the 3rd pillar is paid out to the heirs even if they reject the inheritance due to over-indebtedness of the deceased!<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-511549ec\" data-id=\"511549ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2067f9c\" data-id=\"2067f9c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10b9fc41 elementor-widget elementor-widget-heading\" data-id=\"10b9fc41\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bankruptcy privilege<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cf621e5 elementor-widget elementor-widget-text-editor\" data-id=\"4cf621e5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If a person goes bankrupt, everything he has is pledged so that he can pay off his debts as best he can.<\/p><p><strong>Everything can be pledged except your money in the 3rd pillar.<\/strong><\/p><p>The capital you have in the 3rd pillar cannot be taken away from you and is protected against pledging.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-411aedfb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"411aedfb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-975d61e\" data-id=\"975d61e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-10a9684d elementor-widget elementor-widget-heading\" data-id=\"10a9684d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Conclusion?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7fac854a elementor-widget elementor-widget-text-editor\" data-id=\"7fac854a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>So, you see, the third pillar has much more than just the advantage of having enough capital at retirement.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4f8c987b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4f8c987b\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6e22031c\" data-id=\"6e22031c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b6dbc28 elementor-widget elementor-widget-image\" data-id=\"7b6dbc28\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"768\" height=\"768\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1.png\" class=\"attachment-large size-large wp-image-2438\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1.png 768w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-300x300.png 300w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-150x150.png 150w, https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-50x50.png 50w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6d866f99\" data-id=\"6d866f99\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b8ad930 elementor-widget elementor-widget-heading\" data-id=\"1b8ad930\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The 7 advantages of the 3rd pillar<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cde3aa4 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cde3aa4\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chart-line\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 384H64V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-32c0-8.84-7.16-16-16-16zM464 96H345.94c-21.38 0-32.09 25.85-16.97 40.97l32.4 32.4L288 242.75l-73.37-73.37c-12.5-12.5-32.76-12.5-45.25 0l-68.69 68.69c-6.25 6.25-6.25 16.38 0 22.63l22.62 22.62c6.25 6.25 16.38 6.25 22.63 0L192 237.25l73.37 73.37c12.5 12.5 32.76 12.5 45.25 0l96-96 32.4 32.4c15.12 15.12 40.97 4.41 40.97-16.97V112c.01-8.84-7.15-16-15.99-16z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Increase capital through compound interest (the sooner the better)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-piggy-bank\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M560 224h-29.5c-8.8-20-21.6-37.7-37.4-52.5L512 96h-32c-29.4 0-55.4 13.5-73 34.3-7.6-1.1-15.1-2.3-23-2.3H256c-77.4 0-141.9 55-156.8 128H56c-14.8 0-26.5-13.5-23.5-28.8C34.7 215.8 45.4 208 57 208h1c3.3 0 6-2.7 6-6v-20c0-3.3-2.7-6-6-6-28.5 0-53.9 20.4-57.5 48.6C-3.9 258.8 22.7 288 56 288h40c0 52.2 25.4 98.1 64 127.3V496c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-48h128v48c0 8.8 7.2 16 16 16h64c8.8 0 16-7.2 16-16v-80.7c11.8-8.9 22.3-19.4 31.3-31.3H560c8.8 0 16-7.2 16-16V240c0-8.8-7.2-16-16-16zm-128 64c-8.8 0-16-7.2-16-16s7.2-16 16-16 16 7.2 16 16-7.2 16-16 16zM256 96h128c5.4 0 10.7.4 15.9.8 0-.3.1-.5.1-.8 0-53-43-96-96-96s-96 43-96 96c0 2.1.5 4.1.6 6.2 15.2-3.9 31-6.2 47.4-6.2z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Save up to CHF 2,500 in taxes per year<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-house-user\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M570.69,236.27,512,184.44V48a16,16,0,0,0-16-16H432a16,16,0,0,0-16,16V99.67L314.78,10.3C308.5,4.61,296.53,0,288,0s-20.46,4.61-26.74,10.3l-256,226A18.27,18.27,0,0,0,0,248.2a18.64,18.64,0,0,0,4.09,10.71L25.5,282.7a21.14,21.14,0,0,0,12,5.3,21.67,21.67,0,0,0,10.69-4.11l15.9-14V480a32,32,0,0,0,32,32H480a32,32,0,0,0,32-32V269.88l15.91,14A21.94,21.94,0,0,0,538.63,288a20.89,20.89,0,0,0,11.87-5.31l21.41-23.81A21.64,21.64,0,0,0,576,248.19,21,21,0,0,0,570.69,236.27ZM288,176a64,64,0,1,1-64,64A64,64,0,0,1,288,176ZM400,448H176a16,16,0,0,1-16-16,96,96,0,0,1,96-96h64a96,96,0,0,1,96,96A16,16,0,0,1,400,448Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Indirect amortization mortgage<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8zm144 276c0 6.6-5.4 12-12 12h-92v92c0 6.6-5.4 12-12 12h-56c-6.6 0-12-5.4-12-12v-92h-92c-6.6 0-12-5.4-12-12v-56c0-6.6 5.4-12 12-12h92v-92c0-6.6 5.4-12 12-12h56c6.6 0 12 5.4 12 12v92h92c6.6 0 12 5.4 12 12v56z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Additional disability pension<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-child\" viewBox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M120 72c0-39.765 32.235-72 72-72s72 32.235 72 72c0 39.764-32.235 72-72 72s-72-32.236-72-72zm254.627 1.373c-12.496-12.497-32.758-12.497-45.254 0L242.745 160H141.254L54.627 73.373c-12.496-12.497-32.758-12.497-45.254 0-12.497 12.497-12.497 32.758 0 45.255L104 213.254V480c0 17.673 14.327 32 32 32h16c17.673 0 32-14.327 32-32V368h16v112c0 17.673 14.327 32 32 32h16c17.673 0 32-14.327 32-32V213.254l94.627-94.627c12.497-12.497 12.497-32.757 0-45.254z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Protect your family<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-money-bill-alt\" viewBox=\"0 0 640 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M352 288h-16v-88c0-4.42-3.58-8-8-8h-13.58c-4.74 0-9.37 1.4-13.31 4.03l-15.33 10.22a7.994 7.994 0 0 0-2.22 11.09l8.88 13.31a7.994 7.994 0 0 0 11.09 2.22l.47-.31V288h-16c-4.42 0-8 3.58-8 8v16c0 4.42 3.58 8 8 8h64c4.42 0 8-3.58 8-8v-16c0-4.42-3.58-8-8-8zM608 64H32C14.33 64 0 78.33 0 96v320c0 17.67 14.33 32 32 32h576c17.67 0 32-14.33 32-32V96c0-17.67-14.33-32-32-32zM48 400v-64c35.35 0 64 28.65 64 64H48zm0-224v-64h64c0 35.35-28.65 64-64 64zm272 192c-53.02 0-96-50.15-96-112 0-61.86 42.98-112 96-112s96 50.14 96 112c0 61.87-43 112-96 112zm272 32h-64c0-35.35 28.65-64 64-64v64zm0-224c-35.35 0-64-28.65-64-64h64v64z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Savings goal will be achieved (premium exemption)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-hand-holding-usd\" viewBox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M271.06,144.3l54.27,14.3a8.59,8.59,0,0,1,6.63,8.1c0,4.6-4.09,8.4-9.12,8.4h-35.6a30,30,0,0,1-11.19-2.2c-5.24-2.2-11.28-1.7-15.3,2l-19,17.5a11.68,11.68,0,0,0-2.25,2.66,11.42,11.42,0,0,0,3.88,15.74,83.77,83.77,0,0,0,34.51,11.5V240c0,8.8,7.83,16,17.37,16h17.37c9.55,0,17.38-7.2,17.38-16V222.4c32.93-3.6,57.84-31,53.5-63-3.15-23-22.46-41.3-46.56-47.7L282.68,97.4a8.59,8.59,0,0,1-6.63-8.1c0-4.6,4.09-8.4,9.12-8.4h35.6A30,30,0,0,1,332,83.1c5.23,2.2,11.28,1.7,15.3-2l19-17.5A11.31,11.31,0,0,0,368.47,61a11.43,11.43,0,0,0-3.84-15.78,83.82,83.82,0,0,0-34.52-11.5V16c0-8.8-7.82-16-17.37-16H295.37C285.82,0,278,7.2,278,16V33.6c-32.89,3.6-57.85,31-53.51,63C227.63,119.6,247,137.9,271.06,144.3ZM565.27,328.1c-11.8-10.7-30.2-10-42.6,0L430.27,402a63.64,63.64,0,0,1-40,14H272a16,16,0,0,1,0-32h78.29c15.9,0,30.71-10.9,33.25-26.6a31.2,31.2,0,0,0,.46-5.46A32,32,0,0,0,352,320H192a117.66,117.66,0,0,0-74.1,26.29L71.4,384H16A16,16,0,0,0,0,400v96a16,16,0,0,0,16,16H372.77a64,64,0,0,0,40-14L564,377a32,32,0,0,0,1.28-48.9Z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Inheritance &amp; bankruptcy privilege (no one can take away your assets)<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87cc3a3 elementor-widget elementor-widget-text-editor\" data-id=\"87cc3a3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The 3rd pillar can be customized to your needs. You can also choose between different fund solutions.<\/p><p>Are you someone who wants to achieve higher returns and accepts a higher risk, or someone who plays it safe and prefers a conservative portfolio?<\/p><p><span style=\"color: #022947\"><b>The investment strategy can also be modified later on.<\/b><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-33bd03fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33bd03fc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-537c8522\" data-id=\"537c8522\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-294c742e elementor-widget elementor-widget-heading\" data-id=\"294c742e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your individual pension &amp; investment planning at ajooda<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6452f45a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6452f45a\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Since 2010, we advise people in pension planning and have helped more than 1'000 clients to maximize their savings.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e821057 elementor-widget elementor-widget-text-editor\" data-id=\"4e821057\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>We have been active in pension consulting since 2010 and have helped over 1&#8217;000 clients with their savings and pension planning.<br>Through our close cooperation with the largest Swiss banks and insurance companies, you get access to the best 3a investment funds.<\/p>\n<p><span style=\"color: #022947\"><strong>We offer consultations in person or via Zoom\/Microsoft Teams.<\/strong><\/span><\/p>\n<p>Your biggest advantage is our expertise in equity markets and funds. We know the Total Expense Ratios (TER) and Alpha returns of all funds in Switzerland.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-727d061e elementor-widget elementor-widget-text-editor\" data-id=\"727d061e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Since retirement planning is a long-term thing, we want to make sure that you can save as much capital as possible for your (early-) retirement.<\/p><p><span style=\"text-decoration: underline; color: #022947;\"><b>Over the last 10 years, we have been able to provide our clients with an average return of 8-10% net per year.<\/b><\/span><\/p><p><span style=\"text-decoration: underline; color: #022947;\"><b>This a 250% gain of your money in 10 years.<\/b><\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5c95813a\" data-id=\"5c95813a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6294c903 elementor-widget elementor-widget-image\" data-id=\"6294c903\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"1\" height=\"1\" src=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Product-quality-pana.svg\" class=\"attachment-large size-large wp-image-2439\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Why did the 3rd Pillar in Switzerland became so popular? Why do so many 20-40 year olds use the 3rd Pillar in Switzerland? Save up to CHF 2,500 in taxes annually Those who start later, get punished\u200b AHV won&#8217;t pay (almost) any pension in 20-30 years Retire earlier with CHF 500,000 No 25 year old [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":2987,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to save taxes in Switzerland | Save up to CHF 2500 a year<\/title>\n<meta name=\"description\" content=\"How to save up to CHF 2500 in taxes and retire 5 years earlier. Use our 12 years of expertise &amp; set up your 3rd Pillar in Switzerland now!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to save taxes in Switzerland | Save up to CHF 2500 a year\" \/>\n<meta property=\"og:description\" content=\"How to save up to CHF 2500 in taxes and retire 5 years earlier. Use our 12 years of expertise &amp; set up your 3rd Pillar in Switzerland now!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\" \/>\n<meta property=\"og:site_name\" content=\"ajooda AG | Tax return, Company formation &amp; Accounting\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ajooda.ch\/\" \/>\n<meta property=\"article:modified_time\" content=\"2023-06-23T09:31:41+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Manage-money-amico-1-1-1.svg\" \/>\n<meta name=\"twitter:site\" content=\"@AjoodaC\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"12 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\",\"url\":\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\",\"name\":\"How to save taxes in Switzerland | Save up to CHF 2500 a year\",\"isPartOf\":{\"@id\":\"https:\/\/ajooda.ch\/en\/#website\"},\"datePublished\":\"2022-08-19T12:33:18+00:00\",\"dateModified\":\"2023-06-23T09:31:41+00:00\",\"description\":\"How to save up to CHF 2500 in taxes and retire 5 years earlier. Use our 12 years of expertise & set up your 3rd Pillar in Switzerland now!\",\"breadcrumb\":{\"@id\":\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/ajooda.ch\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to save taxes\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/ajooda.ch\/en\/#website\",\"url\":\"https:\/\/ajooda.ch\/en\/\",\"name\":\"ajooda AG | Tax return, Company formation &amp; Accounting\",\"description\":\"Tax return Switzerland | 3rd Pillar | Company formation | Accounting | Business Consulting\",\"publisher\":{\"@id\":\"https:\/\/ajooda.ch\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/ajooda.ch\/en\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/ajooda.ch\/en\/#organization\",\"name\":\"ajooda AG | Tax return, Company formation &amp; Accounting\",\"url\":\"https:\/\/ajooda.ch\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/ajooda.ch\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/09\/blog_bild_ajooda_treuhand_unternehmensberatung_steuererklaerung.jpg\",\"contentUrl\":\"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/09\/blog_bild_ajooda_treuhand_unternehmensberatung_steuererklaerung.jpg\",\"width\":780,\"height\":629,\"caption\":\"ajooda AG | Tax return, Company formation &amp; Accounting\"},\"image\":{\"@id\":\"https:\/\/ajooda.ch\/en\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/ajooda.ch\/\",\"https:\/\/twitter.com\/AjoodaC\",\"https:\/\/www.instagram.com\/ajooda_ch\/\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to save taxes in Switzerland | Save up to CHF 2500 a year","description":"How to save up to CHF 2500 in taxes and retire 5 years earlier. Use our 12 years of expertise & set up your 3rd Pillar in Switzerland now!","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/","og_locale":"en_US","og_type":"article","og_title":"How to save taxes in Switzerland | Save up to CHF 2500 a year","og_description":"How to save up to CHF 2500 in taxes and retire 5 years earlier. Use our 12 years of expertise & set up your 3rd Pillar in Switzerland now!","og_url":"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/","og_site_name":"ajooda AG | Tax return, Company formation &amp; Accounting","article_publisher":"https:\/\/www.facebook.com\/ajooda.ch\/","article_modified_time":"2023-06-23T09:31:41+00:00","twitter_card":"summary_large_image","twitter_image":"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/08\/Manage-money-amico-1-1-1.svg","twitter_site":"@AjoodaC","twitter_misc":{"Est. reading time":"12 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/","url":"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/","name":"How to save taxes in Switzerland | Save up to CHF 2500 a year","isPartOf":{"@id":"https:\/\/ajooda.ch\/en\/#website"},"datePublished":"2022-08-19T12:33:18+00:00","dateModified":"2023-06-23T09:31:41+00:00","description":"How to save up to CHF 2500 in taxes and retire 5 years earlier. Use our 12 years of expertise & set up your 3rd Pillar in Switzerland now!","breadcrumb":{"@id":"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/ajooda.ch\/en\/3rd-pillar-in-switzerland\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/ajooda.ch\/en\/"},{"@type":"ListItem","position":2,"name":"How to save taxes"}]},{"@type":"WebSite","@id":"https:\/\/ajooda.ch\/en\/#website","url":"https:\/\/ajooda.ch\/en\/","name":"ajooda AG | Tax return, Company formation &amp; Accounting","description":"Tax return Switzerland | 3rd Pillar | Company formation | Accounting | Business Consulting","publisher":{"@id":"https:\/\/ajooda.ch\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/ajooda.ch\/en\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/ajooda.ch\/en\/#organization","name":"ajooda AG | Tax return, Company formation &amp; Accounting","url":"https:\/\/ajooda.ch\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/ajooda.ch\/en\/#\/schema\/logo\/image\/","url":"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/09\/blog_bild_ajooda_treuhand_unternehmensberatung_steuererklaerung.jpg","contentUrl":"https:\/\/ajooda.ch\/en\/wp-content\/uploads\/sites\/2\/2022\/09\/blog_bild_ajooda_treuhand_unternehmensberatung_steuererklaerung.jpg","width":780,"height":629,"caption":"ajooda AG | Tax return, Company formation &amp; Accounting"},"image":{"@id":"https:\/\/ajooda.ch\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/ajooda.ch\/","https:\/\/twitter.com\/AjoodaC","https:\/\/www.instagram.com\/ajooda_ch\/"]}]}},"_links":{"self":[{"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/pages\/2524"}],"collection":[{"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/comments?post=2524"}],"version-history":[{"count":109,"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/pages\/2524\/revisions"}],"predecessor-version":[{"id":5807,"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/pages\/2524\/revisions\/5807"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/media\/2987"}],"wp:attachment":[{"href":"https:\/\/ajooda.ch\/en\/wp-json\/wp\/v2\/media?parent=2524"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}