{"id":4702,"date":"2022-08-19T13:09:27","date_gmt":"2022-08-19T11:09:27","guid":{"rendered":"https:\/\/ajooda.ch\/vorsorge-3-saeule\/"},"modified":"2024-02-15T18:37:52","modified_gmt":"2024-02-15T16:37:52","slug":"vorsorge-3saeule-schweiz","status":"publish","type":"page","link":"https:\/\/ajooda.ch\/vorsorge-3saeule-schweiz\/","title":{"rendered":"Steuern sparen"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"4702\" class=\"elementor elementor-4702\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-490ac9d1 elementor-section-full_width elementor-section-height-min-height elementor-section-height-default elementor-section-items-middle\" data-id=\"490ac9d1\" 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-880ea69\" data-id=\"880ea69\" 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-190faf40 elementor-widget elementor-widget-heading\" data-id=\"190faf40\" 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\">Wieso ist die Vorsorge mit der <span style=\"color:#C19F62\">3. S\u00e4ule<\/span> heute so  <span style=\"color:#C19F62\">beliebt<\/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-271378f7\" data-id=\"271378f7\" 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-481c755c elementor-widget elementor-widget-image\" data-id=\"481c755c\" 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\/wp-content\/uploads\/2022\/08\/Manage-money-amico-1-1.svg\" class=\"attachment-large size-large wp-image-4703\" 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-a804210 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a804210\" 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-334517a4\" data-id=\"334517a4\" 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-17a66ca6 elementor-widget elementor-widget-image\" data-id=\"17a66ca6\" 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\/wp-content\/uploads\/2022\/08\/vorsorge-saeule-3a-1-rafiki.svg\" class=\"attachment-large size-large wp-image-4704\" 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-63d1173e\" data-id=\"63d1173e\" 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-5dd2efae elementor-widget elementor-widget-heading\" data-id=\"5dd2efae\" 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\">Wieso immer mehr 20-40 J\u00e4hrige mit der 3. S\u00e4ule vorsorgen<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ddba89 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4ddba89\" 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\/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\">J\u00e4hrlich bis zu CHF 2'500 Steuern sparen <\/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\">Wer sp\u00e4t anf\u00e4ngt, wird bestraft<\/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 bietet bereits in 20-30 Jahren (fast) keine Rente mehr<\/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\">Mit CHF 500'000 in die Fr\u00fchpensionierung gehen<\/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-6ade99cb elementor-widget elementor-widget-text-editor\" data-id=\"6ade99cb\" 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>Kein heute 25 J\u00e4hriger darf in 40 Jahren auf eine Rente hoffen.<\/p><p>Die AHV ist bereits seit mehreren Jahrzehnten unter starkem Druck und wird den Rentnern keine Rente mehr auszahlen k\u00f6nnen.<\/p><p>Der Schweizer Staat f\u00f6rdert deshalb die Vorsorge per 3. S\u00e4ule und erm\u00f6glicht es j\u00e4hrlich bis zu CHF 2&#8217;500 Steuern zu sparen.<\/p><p>Mit durchschnittlich 8% Zins pro Jahr, ist es sogar m\u00f6glich in die Fr\u00fchpensionierung zu gehen.<\/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-6c290a82 elementor-widget elementor-widget-html\" data-id=\"6c290a82\" 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    \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-b98d8b7 e-flex e-con-boxed e-con e-parent\" data-id=\"b98d8b7\" 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-d855a5b elementor-widget elementor-widget-heading\" data-id=\"d855a5b\" 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\">Hier klicken und herausfinden wie Sie 5 Jahre fr\u00fcher in Pension gehen k\u00f6nnen<\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3fb3104a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3fb3104a\" 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-116cfc19\" data-id=\"116cfc19\" 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-7d456a23 elementor-widget elementor-widget-heading\" data-id=\"7d456a23\" 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\">J\u00e4hrlich bis zu CHF 2'500 Steuern sparen<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d474ec0 elementor-widget elementor-widget-text-editor\" data-id=\"4d474ec0\" 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>Der Staat selbst ist sich der Problematik der AHV und Pensionskasse bewusst und f\u00f6rdert die Vorsorge durch die S\u00e4ule 3a, damit Sie sp\u00e4ter nicht leer ausgehen.<\/p><p>Deshalb kann der gesamte einbezahlte Betrag bis zu einer bestimmten Obergrenze von der Einkommenssteuer abgezogen werden: CHF 6\u2018883\/Jahr f\u00fcr unselbstst\u00e4ndig Erwerbende und CHF 34\u2018416\/Jahr f\u00fcr Personen welche nicht der Pensionskasse angeschlossen sind.<\/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-69fb33d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"69fb33d\" 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\">Je nach Kanton und Gemeinde ergibt sich dadurch eine j\u00e4hrliche Steuerersparnis von CHF 1\u2018000-2\u2018500<br><br>Wie hoch ist die Steuerersparnis in Ihrer Gemeinde? Fragen Sie uns!<\/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-56a78cab\" data-id=\"56a78cab\" 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-42209500 elementor-widget elementor-widget-image\" data-id=\"42209500\" 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\/wp-content\/uploads\/2022\/08\/vorsorge-saeule-3a-2-rafiki.svg\" class=\"attachment-large size-large wp-image-4709\" 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-4428d68d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4428d68d\" 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-8e44c6c\" data-id=\"8e44c6c\" 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-5cf0523b elementor-widget elementor-widget-heading\" data-id=\"5cf0523b\" 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\">Wer sp\u00e4ter anf\u00e4ngt, wird bestraft<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-524e4181 elementor-widget elementor-widget-text-editor\" data-id=\"524e4181\" 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>Folgendes Beispiel:<\/p><p>Wir haben zwei Junge M\u00e4nner und beide legen monatlich CHF 300 in Ihre 3. S\u00e4ule.<\/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-7339911f elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7339911f\" 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 startet die S\u00e4ule 3a mit 25 Jahren<\/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 startet die S\u00e4ule 3a mit 35 Jahren<\/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-7263f9a7 elementor-widget elementor-widget-text-editor\" data-id=\"7263f9a7\" 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>Gehen wir von einer bescheidenen Verzinsung von nur 5% pro Jahr aus.<\/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-1ab80ef0\" data-id=\"1ab80ef0\" 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-20fd2a6c elementor-widget elementor-widget-image\" data-id=\"20fd2a6c\" 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\/wp-content\/uploads\/2022\/08\/Growth-analytics-amico.svg\" class=\"attachment-large size-large wp-image-4710\" 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-50e1c1c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"50e1c1c1\" 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-142b5212\" data-id=\"142b5212\" 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-688abe99 elementor-widget elementor-widget-heading\" data-id=\"688abe99\" 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 J\u00e4hrig mit CHF 300 pro Monat<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2315c140 elementor-widget elementor-widget-image\" data-id=\"2315c140\" 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\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1.png\" class=\"attachment-large size-large wp-image-4711\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1.png 768w, https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-25-Jahriger-300Fr-768x534-1-300x209.png 300w, https:\/\/ajooda.ch\/wp-content\/uploads\/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-2095b480\" data-id=\"2095b480\" 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-1c158af8 elementor-widget elementor-widget-heading\" data-id=\"1c158af8\" 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 J\u00e4hrig mit CHF 300 pro Monat<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d29575b elementor-widget elementor-widget-image\" data-id=\"4d29575b\" 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\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1.png\" class=\"attachment-large size-large wp-image-4712\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1.png 768w, https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-300Fr-768x531-1-300x207.png 300w, https:\/\/ajooda.ch\/wp-content\/uploads\/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-545d9f40 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"545d9f40\" 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-7f6980ab\" data-id=\"7f6980ab\" 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-709d1b7b\" data-id=\"709d1b7b\" 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-4fbe229b elementor-widget elementor-widget-text-editor\" data-id=\"4fbe229b\" 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>Da Karl 10 Jahre fehlen, liegt sein Alterskapital um satte\u00a0<strong>CHF 200&#8217;000<\/strong>\u00a0tiefer!<\/p><p>Sein Zinsertrag betr\u00e4gt nur CHF 137\u2018657 und ist somit nicht mal halb so gross wie der satte Ertrag von Jonas mit CHF 302\u2018657.<\/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-4b30760d\" data-id=\"4b30760d\" 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-745cd39f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"745cd39f\" 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-519b87d9\" data-id=\"519b87d9\" 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-43a5dc1a elementor-widget elementor-widget-heading\" data-id=\"43a5dc1a\" 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 geht gleich aufs ganze:<br>35 J\u00e4hrig &amp; startet mit CHF 500 pro Monat<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a753ad7 elementor-widget elementor-widget-text-editor\" data-id=\"4a753ad7\" 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 verdient gut und entscheidet sich deshalb gleich mit CHF 500\/monatlich anzufangen statt mit nur CHF 300.<\/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-006d68c elementor-widget elementor-widget-text-editor\" data-id=\"006d68c\" 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<span style=\"color: #022947\"><b>Obwohl Karl monatlich CHF 200 mehr als Jonas einzahlt, holt er Ihn nicht mehr ein. Ihm fehlen immer noch knapp CHF 40\u2018000!<\/b><\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d2e8ca7 elementor-widget elementor-widget-text-editor\" data-id=\"7d2e8ca7\" 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>Denn Karl konnte den Zinseszinseffekt nicht fr\u00fch genug f\u00fcr sich nutzen und konnte durch die Verzinsung nur CHF 229\u2018429 erwirtschaften.<\/p><p>Ganze CHF 73\u2018228 weniger, obwohl er die ganze Zeit mehr als Jonas einbezahlt hat. \u00a0<\/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-352c43a1 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"352c43a1\" 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\">Fazit:<br>Der beste Zeitpunkt ist jetzt! Lieber klein anfangen als sp\u00e4ter mit grossen Betr\u00e4gen versuchen aufzuholen.\u200b<\/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-3746e8a5\" data-id=\"3746e8a5\" 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-7fce4604 elementor-widget elementor-widget-image\" data-id=\"7fce4604\" 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\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1.png\" class=\"attachment-large size-large wp-image-4713\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1.png 768w, https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Vorsorge-Schweiz-35-Jahriger-500Fr-768x532-1-300x208.png 300w, https:\/\/ajooda.ch\/wp-content\/uploads\/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-72e59cad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72e59cad\" 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-400a61ad\" data-id=\"400a61ad\" 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-74c8f9b6 elementor-widget elementor-widget-heading\" data-id=\"74c8f9b6\" 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 am Limit.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d0651b elementor-widget elementor-widget-text-editor\" data-id=\"11d0651b\" 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>Junge k\u00f6nnen die AHV Rente gleich vergessen.<\/p><p>Gr\u00fcnde daf\u00fcr:<\/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-5ce3d355 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5ce3d355\" 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\">Stark sinkende Geburtenrate (Weniger Beitragszahler zuk\u00fcnftig)<\/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\">Steigende Zahl der Pensionierten<\/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\">H\u00f6here Lebenserwartung (Rente muss l\u00e4nger ausbezahlt werden)<\/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-7523ec76 elementor-widget elementor-widget-text-editor\" data-id=\"7523ec76\" 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>Es reicht nicht mehr sich nur auf die staatliche Vorsorge zu verlassen.<\/p><p>Bereits wer in den n\u00e4chsten 10 Jahren in die Rente geht, steht wesentlich schlechter da als unsere Vorfahren, welche vor 20-30 Rente in Rente gingen.<\/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-2d219011\" data-id=\"2d219011\" 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-15a3d3ac elementor-widget elementor-widget-image\" data-id=\"15a3d3ac\" 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\/wp-content\/uploads\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV.png\" class=\"attachment-large size-large wp-image-4706\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV.png 566w, https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Finanzierung-1.-Saule-AHV-und-IV-300x237.png 300w, https:\/\/ajooda.ch\/wp-content\/uploads\/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-648126c1\" data-id=\"648126c1\" 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-732461a7 elementor-widget elementor-widget-image\" data-id=\"732461a7\" 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\/wp-content\/uploads\/2022\/08\/Lebenserwartung-Schweiz.png\" class=\"attachment-large size-large wp-image-4707\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Lebenserwartung-Schweiz.png 581w, https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/Lebenserwartung-Schweiz-300x224.png 300w, https:\/\/ajooda.ch\/wp-content\/uploads\/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-59e22d50 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"59e22d50\" 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-56bf85a1\" data-id=\"56bf85a1\" 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-738e63f5 elementor-widget elementor-widget-image\" data-id=\"738e63f5\" 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\/wp-content\/uploads\/2022\/08\/Warning-amico.svg\" class=\"attachment-large size-large wp-image-4708\" 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-522b6d4d\" data-id=\"522b6d4d\" 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-7d2f281b elementor-widget elementor-widget-heading\" data-id=\"7d2f281b\" 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\">Gutverdiener in der 2. S\u00e4ule im Nachteil<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a1ba120 elementor-widget elementor-widget-text-editor\" data-id=\"7a1ba120\" 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>Die 2. S\u00e4ule (berufliche Vorsorge) ist dazu da, das Einkommen gesamt auf ca. 60-70% des zuvor verdienten Einkommens zu sichern.<\/p><p><span style=\"color: #022947\"><b>Gutverdiener haben ein besonders grosses Problem: Die 2. S\u00e4ule gilt nur f\u00fcr L\u00f6hne bis CHF 86\u2018040<\/b><\/span> (ohne 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-7e138c36 elementor-widget elementor-widget-text-editor\" data-id=\"7e138c36\" 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>Davon muss man den Koordinationsabzug von CHF 25\u2018095 abziehen, was einen maximal versicherten Lohn von CHF 60\u2018945 ergibt (&#171;Koordinierter Lohn&#187;).<\/p><p>Der Umwandlungssatz f\u00fcr die Altersrente liegt aktuell bei 6.8%.<\/p><p>Heisst wer z.B. CHF 100\u2018000 in der Pensionskasse hat, erh\u00e4lt j\u00e4hrlich CHF 6\u2018800 Rente aus der beruflichen Vorsorge.<\/p><p>Als die BVG 1985 eingef\u00fchrt wurde, lag der Umwandlungssatz noch bei 7.2%. Dieser Wert wird weiterhin stark sinken, neue Reformen k\u00f6nnten Ihn nun auf 6% senken.<\/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-74841edb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74841edb\" 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-5408119\" data-id=\"5408119\" 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<div class=\"elementor-element elementor-element-97a7a08 e-flex e-con-boxed e-con e-parent\" data-id=\"97a7a08\" 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-4de0d3d elementor-widget elementor-widget-heading\" data-id=\"4de0d3d\" 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\">Wie viel Geld erhalte ich wenn ich in Pension gehe?<\/a><\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36c62c9 elementor-widget elementor-widget-heading\" data-id=\"36c62c9\" 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\">Zinseszins Rechner<\/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-6a72775 e-flex e-con-boxed e-con e-parent\" data-id=\"6a72775\" 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-ecc43c0 e-con-full e-flex e-con e-child\" data-id=\"ecc43c0\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;full&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68375bd elementor-widget elementor-widget-html\" data-id=\"68375bd\" 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\">Startbetrag (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\">Einzahlungsbetrag (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\">Monatlich<\/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\">J\u00e4hrlich<\/label>\r\n                <\/div>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-3\">\r\n                <label for=\"investment_timespan\">Laufzeit<\/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 Jahre<\/span>\r\n            <\/div>\r\n            <div class=\"form-group\" id=\"grid-4\">\r\n                <label for=\"estimated_return\">Zinssatz 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\">Endbetrag<\/div>\r\n            <div class=\"h3\" id=\"future_balance\">?<\/div>\r\n            <div class=\"h3\" id=\"gesamtZins\">\r\n                Totaler Zinsbetrag\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-1349b92 e-flex e-con-boxed e-con e-child\" data-id=\"1349b92\" data-element_type=\"container\" data-settings=\"{&quot;content_width&quot;:&quot;boxed&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cdb9f56 elementor-widget elementor-widget-html\" data-id=\"cdb9f56\" 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: 'Kapital ohne Zins',\n            backgroundColor: 'rgb(2, 41, 71)',\n            data: []\n        };\n        \n        var interest_dataset = {\n            label: \"Totaler Zins\",\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 + ' Jahre';\n        updateChart();\n    });\n\n    investment_timespan.addEventListener('input', function () {\n        investment_timespan_text.innerHTML = this.value + ' Jahre';\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: 'Jahr'\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-6deee798 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6deee798\" 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-369252c9\" data-id=\"369252c9\" 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-4b12b2a7\" data-id=\"4b12b2a7\" 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-6e68d6eb elementor-widget elementor-widget-heading\" data-id=\"6e68d6eb\" 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\">Vorsorge bei der Bank vs Vorsorge bei der Versicherung<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-563b2083 elementor-widget elementor-widget-text-editor\" data-id=\"563b2083\" 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>Sie k\u00f6nnen Vorsorge \u00fcber eine S\u00e4ule 3a bei der Bank oder eine S\u00e4ule 3a bei der Versicherung betreiben.<\/p><p>F\u00fcr die reine Vorsorge eignen sich beide ganz gut.<\/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-5299787d\" data-id=\"5299787d\" 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-5a1c494a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a1c494a\" 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-755188d3\" data-id=\"755188d3\" 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-63b5c7a elementor-widget elementor-widget-image\" data-id=\"63b5c7a\" 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\/wp-content\/uploads\/2022\/08\/Man-thinking-amico.svg\" class=\"attachment-large size-large wp-image-4714\" 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-2e78e913\" data-id=\"2e78e913\" 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-440af8ef elementor-widget elementor-widget-heading\" data-id=\"440af8ef\" 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\">Welche Fragen stelle ich mir bevor ich mit der Vorsorge anfange?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3dd5158a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3dd5158a\" 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\">Wie viel Geld brauche ich ungef\u00e4hr im Alter, um ein komfortables Leben zu f\u00fchren?<\/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\">Wer kann mir \u00fcberhaupt garantieren dass ich dieses Sparziel auch wirklich erreiche?<\/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-4094bb19 elementor-widget elementor-widget-text-editor\" data-id=\"4094bb19\" 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>Ihre Bank meldet sich bei Ihnen wenn Sie genug Angespartes haben und versuchen Ihr eigenes Produkt zu verkaufen.<br \/><span style=\"letter-spacing: inherit;\">Und in der Tat ist es besser das Geld in der S\u00e4ule 3a in der Bank zu sparen als auf dem Sparkonto, denn dort bringt es keine Zinsen, sondern evtl. sogar Negativzinsen.<br \/><\/span><\/p><p><span style=\"letter-spacing: inherit;\">Der Banker wird sagen dass Sie v\u00f6llig flexibel sind und nur zur Vorsorge einzahlen m\u00fcssen wann Sie es m\u00f6chten.<br \/><\/span><\/p><p><span style=\"letter-spacing: inherit;\">Beim Sparen f\u00fcr die Vorsorge stellt sich jedoch die Frage:<\/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-2377059e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"2377059e\" 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\">Ist das wirklich ein Vorteil dass ich nur einzahle wenn ich Lust dazu habe?<\/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-50a6534d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"50a6534d\" 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\">Fun Fact: Eine S\u00e4ule 3a bei der Bank h\u00e4lt im Durchschnitt nur 2.5 Jahre!<\/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-216e30be elementor-widget elementor-widget-text-editor\" data-id=\"216e30be\" 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>Am Anfang ist man motiviert und mit der Zeit macht man die \u00fcberteuerte Kreuzfahrt oder holt sich den neuen Fernseher und vergisst das mit der Vorsorge \u201eJa mach ich dann sp\u00e4ter\u201c.<\/p><p>Aus den Augen, aus dem Sinn \u2013 Das sp\u00e4ter kommt meist nie mehr und man muss im Alter mit knapp CHF 3\u2018000 (manchmal noch weit weniger) \u00fcberleben.<\/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-5ef41ea5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5ef41ea5\" 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-3c9a004c\" data-id=\"3c9a004c\" 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-43919af7 elementor-widget elementor-widget-heading\" data-id=\"43919af7\" 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\">Bietet die S\u00e4ule 3a bei der Versicherung denn irgendwelche Vorteile?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c15fc elementor-widget elementor-widget-text-editor\" data-id=\"70c15fc\" 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 unflexibel wie die meisten denken ist die 3. S\u00e4ule bei der Versicherung gar nicht mehr.<\/p><p>Fr\u00fcher hatte man nebst der klassischen Lebensversicherung nur die Wahl eine gemischte Lebensversicherung abzuschliessen.<\/p><p>Dadurch gingen in den ersten 3 Jahren die einbezahlten Beitr\u00e4ge mehrheitlich f\u00fcr Verwaltungskosten drauf.<\/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-63461583 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"63461583\" 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\">Heute k\u00f6nnen Sie in eine Fondsgebundene 3a investieren und haben vom ersten Tag an das Geld in der 3. S\u00e4ule.<\/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-64e84c3a elementor-widget elementor-widget-text-editor\" data-id=\"64e84c3a\" 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>Bei der 3. S\u00e4ule bei der Versicherung k\u00f6nnen Sie Zahlungen ebenfalls pausieren lassen, falls Sie beispielsweise f\u00fcr l\u00e4ngere Zeit arbeitslos w\u00e4ren. Dies nennt sich Umwandlung.<\/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-79463135 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"79463135\" 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\">Der grosse Vorteil der 3. S\u00e4ule bei der Versicherung ist, dass das Sparziel garantiert erreicht wird.<\/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-5ebfce9c elementor-widget elementor-widget-text-editor\" data-id=\"5ebfce9c\" 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><span style=\"letter-spacing: inherit\">W\u00e4hrend Sie bei der Bank lediglich vom Steuerabzug und vom Zinseszins profitieren, haben Sie bei der Versicherung zus\u00e4tzlich den Vorteil, dass Ihr Sparziel abgesichert wird sollte ein Risikofall eintreten.<\/span><\/p><p>Die drei Risiken sind:<\/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-10218c92 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"10218c92\" 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\">Erwerbungsunf\u00e4higkeit<\/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\">Pr\u00e4mien &amp; Sparausfall<\/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\">Todesfall<\/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-763193d9\" data-id=\"763193d9\" 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-5cca10e8 elementor-widget elementor-widget-image\" data-id=\"5cca10e8\" 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\/wp-content\/uploads\/2022\/08\/At-the-office-amico.svg\" class=\"attachment-large size-large wp-image-4715\" alt=\"buchhalter-luzern-treuhand-lohnadministration\" \/>\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-199ab380 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"199ab380\" 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-2d96c59e\" data-id=\"2d96c59e\" 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-4385ca2e elementor-widget elementor-widget-heading\" data-id=\"4385ca2e\" 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\">Risiko: Erwerbungsunf\u00e4higkeit<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a17fd27 elementor-widget elementor-widget-text-editor\" data-id=\"6a17fd27\" 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>Egal ob durch Unfall oder Krankheit, es kann jeden treffen. Bei Erwerbsunf\u00e4higkeit ist man meist von der IV abh\u00e4ngig und das Einkommen ist stark eingeschr\u00e4nkt.<\/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-725bca86 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"725bca86\" 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\">Sie erhalten von der Versicherung optional noch eine Zusatzrente zur IV-Rente, auch Erwerbsunf\u00e4higkeitsrente genannt.<\/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-61982225 elementor-widget elementor-widget-text-editor\" data-id=\"61982225\" 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>Bei Vertragsbeginn kann die H\u00f6he dieser Rente optional festgelegt werden. Diese liegt in der Regel bei CHF 1\u2018000-2\u2018000 monatlich.<\/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-28212c0b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"28212c0b\" 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-65b84bc9\" data-id=\"65b84bc9\" 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-48224c52 elementor-widget elementor-widget-heading\" data-id=\"48224c52\" 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\">Risiko: <br>\nPr\u00e4mien &amp; Sparausfall<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67778b10 elementor-widget elementor-widget-text-editor\" data-id=\"67778b10\" 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>Wer zahlt weiter Ihre monatlichen Pr\u00e4mien, wenn Ihr Einkommen aufgrund Erwerbsunf\u00e4higkeit gesunken ist?<\/p><p>Die Bank?<\/p><p>Nein. Nur die Versicherung tut das.<\/p><p>Die sogenannte Pr\u00e4mienbefreiung ist immer inklusive und sorgt daf\u00fcr das die Versicherung Ihre Pr\u00e4mien \u00fcbernimmt, wenn Sie es nicht mehr k\u00f6nnen.<\/p><p><b>So wird das Sparziel auf jeden Fall erreicht!<\/b><\/p><p>\u00a0<\/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-1b669e95\" data-id=\"1b669e95\" 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-2ac61fb7 elementor-widget elementor-widget-heading\" data-id=\"2ac61fb7\" 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\">Risiko:<br>\nTodesfall<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74bf3628 elementor-widget elementor-widget-text-editor\" data-id=\"74bf3628\" 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>Das Risiko Todesfall gilt es vor allem abzusichern wenn man eine Familie mit Kindern hat.<\/p><p>Denn beim Ausfall des Erwerbseinkommens eines Elternteils oder des Hauptverdieners ist die L\u00fccke enorm gross.<\/p><p>Ebenfalls macht es Sinn dieses Risiko abzusichern wenn eine <b>Indirekte Amortisation der Hypothek durch die 3. S\u00e4ule<\/b> aktiv ist, denn so muss die Immobilie im Todesfall nicht verkauft werden.<\/p><p>Die Indirekte Amortisation einer Hypothek durch die 3. S\u00e4ule, ist \u00fcbrigens die schlauste Variante Ihre Hypothek zu finanzieren.<\/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-400e8136 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"400e8136\" 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-7d60b173\" data-id=\"7d60b173\" 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-1bd9ed06 elementor-widget elementor-widget-heading\" data-id=\"1bd9ed06\" 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\">Vorteile der Indirekten Amortisation f\u00fcr Ihr Wohneigentum<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf6006a elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"cf6006a\" 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 Pr\u00e4mie abzugsf\u00e4hig vom Einkommen<\/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\">Zinsen abzugsf\u00e4hig<\/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\">Gesamte Steuerlast bleibt konstant tief<\/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\">Vom Zinseszins profitieren<\/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-29a509ab elementor-widget elementor-widget-text-editor\" data-id=\"29a509ab\" 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>Sie \u00fcberlegen ein Haus oder eine Wohnung zu kaufen, aber wissen nicht genau wie Sie die Finanzierung angehen sollten?<\/p><p>Wir k\u00f6nnen Ihnen gerne weiterhelfen, melden Sie sich <a href=\"https:\/\/ajooda.ch\/kontakt-formular\/\" target=\"_blank\" rel=\"noopener\">hier.<\/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-74eb87ec\" data-id=\"74eb87ec\" 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-3aca54a elementor-widget elementor-widget-image\" data-id=\"3aca54a\" 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\/wp-content\/uploads\/2022\/08\/Cabin-amico.svg\" class=\"attachment-large size-large wp-image-6173\" 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-1ff4890f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ff4890f\" 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-3d659ce9\" data-id=\"3d659ce9\" 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-22367a95\" data-id=\"22367a95\" 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-54ab78f8 elementor-widget elementor-widget-heading\" data-id=\"54ab78f8\" 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\">Hat die 3. S\u00e4ule sonst noch irgendwelche Vorteile?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d98742 elementor-widget elementor-widget-text-editor\" data-id=\"6d98742\" 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>Absolut, zu nennen sind noch 2 ganz wichtige Vorteile:<\/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-2e2c0beb\" data-id=\"2e2c0beb\" 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-4c6e6177 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4c6e6177\" 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-54448394\" data-id=\"54448394\" 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-6e375373 elementor-widget elementor-widget-heading\" data-id=\"6e375373\" 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\">Erbrechtliches Privileg<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f4b09a9 elementor-widget elementor-widget-text-editor\" data-id=\"6f4b09a9\" 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>Stirbt ein Erblasser, erben die Nachkommen sein Verm\u00f6gen und seine Schulden.<\/p><p>Ist der Erblasser so fest verschuldet dass die Schuld das Verm\u00f6gen sogar \u00fcbersteigt, m\u00fcssen die Nachkommen das Erbe ausschlagen um nicht die Schuld tragen zu m\u00fcssen.<\/p><p><b>Das Kapital in der 3. S\u00e4ule wird an die Erben ausbezahlt sogar wenn Sie das Erbe aufgrund \u00dcberschuldung des Erblassers ausschlagen!<br \/><\/b><\/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-7fa135e1\" data-id=\"7fa135e1\" 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-71f7f8d7\" data-id=\"71f7f8d7\" 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-11a28da3 elementor-widget elementor-widget-heading\" data-id=\"11a28da3\" 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\">Konkursprivileg<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8b5069 elementor-widget elementor-widget-text-editor\" data-id=\"8b5069\" 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>Geht eine Person Konkurs, wird alles was er hat verpf\u00e4ndet, damit er seine Schulden so gut es geht tilgen kann.<\/p><p><b>Es kann alles verpf\u00e4ndet werden ausser das Kapital in der 3. S\u00e4ule.<\/b><\/p><p>Das Kapital welches Sie in der 3. S\u00e4ule haben kann Ihnen niemand wegnehmen und ist vor Verpf\u00e4ndung gesch\u00fctzt.<\/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-660c1100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"660c1100\" 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-424a619e\" data-id=\"424a619e\" 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-5f08d3d1 elementor-widget elementor-widget-heading\" data-id=\"5f08d3d1\" 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\">Fazit?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46fce5c elementor-widget elementor-widget-text-editor\" data-id=\"46fce5c\" 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>Sie sehen also, die 3. S\u00e4ule hat weit mehr als nur den Vorteil dass Sie im Alter genug Kapital haben um stressfrei zu leben.<\/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-48f6baba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"48f6baba\" 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-6cfb946a\" data-id=\"6cfb946a\" 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-5feff378 elementor-widget elementor-widget-image\" data-id=\"5feff378\" 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\/wp-content\/uploads\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1.png\" class=\"attachment-large size-large wp-image-4716\" alt=\"\" srcset=\"https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1.png 768w, https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-300x300.png 300w, https:\/\/ajooda.ch\/wp-content\/uploads\/2022\/08\/7-Vorteile-der-3.-Saule-768x768-1-150x150.png 150w, https:\/\/ajooda.ch\/wp-content\/uploads\/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-9f708a5\" data-id=\"9f708a5\" 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-348b07c elementor-widget elementor-widget-heading\" data-id=\"348b07c\" 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\">Die 7 Vorteile der 3. S\u00e4ule<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9026578 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9026578\" 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\">Kapital durch Zinseszins erh\u00f6hen (je fr\u00fcher desto besser)<\/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\">Bis zu CHF 2'500 Steuern sparen pro Jahr<\/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\">Indirekte Amortisation Hypothek<\/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\">Zus\u00e4tzliche Erwerbsunf\u00e4higkeitsrente<\/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\">Familie absichern<\/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\">Sparziel wird garantiert erreicht (Pr\u00e4mienbefreiung)<\/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\">Erbrechtliches- &amp; Konkursprivileg (niemand kann Ihr Verm\u00f6gen wegnehmen)<\/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-6d78341a elementor-widget elementor-widget-text-editor\" data-id=\"6d78341a\" 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>Die 3. S\u00e4ule l\u00e4sst sich auf Ihre Bed\u00fcrfnisse anpassen. Auch k\u00f6nnen Sie zwischen verschiedenen Fondsl\u00f6sungen w\u00e4hlen.<\/p><p>Sind Sie jemand der h\u00f6here Gewinne erzielen m\u00f6chte und ein h\u00f6heres Risiko in Kauf nimmt oder jemand der auf Nummer sicher geht und eher ein konservatives Portfolio w\u00e4hlt?<\/p><p><span style=\"color: #022947\"><b>Die Anlagestrategie kann auch nachtr\u00e4glich ge\u00e4ndert werden.<\/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-1abe219d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1abe219d\" 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-540de4c7\" data-id=\"540de4c7\" 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-62f7689b elementor-widget elementor-widget-heading\" data-id=\"62f7689b\" 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\">Ihre individuelle Vorsorgeberatung bei ajooda<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b78dbec elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1b78dbec\" 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\">Wir sind bereits seit 2010 in der Vorsorgeberatung t\u00e4tig und konnten bereits \u00fcber 1'000 Kunden bei der Spar- &amp; Vorsorgeplanung unterst\u00fctzen.<\/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-6c6e8d4 elementor-widget elementor-widget-text-editor\" data-id=\"6c6e8d4\" 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>Durch unsere enge Zusammenarbeit mit den gr\u00f6ssten Schweizer Banken und Versicherungen, erhalten Sie Zugang zu den besten 3a Anlagefonds.<\/p><p><span style=\"color: #022947;\"><b>Wir bieten Beratungen in Person oder per Zoom\/Microsoft Teams an.<\/b><\/span><\/p><p>Ihr gr\u00f6sster Vorteil ist unsere Expertise an den Aktienm\u00e4rkten und Fonds. Wir kennen die Total Expense Ratios (TER) und die Alpha Renditen aller Fonds in der Schweiz.<\/p><p>Da die Vorsorge etwas l\u00e4ngerfristiges ist, wollen wir sichergehen dass Sie soviel Kapital wie nur m\u00f6glich f\u00fcr die (Fr\u00fch-)Pensionierung ansparen k\u00f6nnen.<\/p><p><span style=\"color: #022947;\"><u><b>In den letzten 10 Jahren konnten wir f\u00fcr unsere Kunden im Durchschnitt 8-10% Nettorendite pro Jahr erm\u00f6glichen.<\/b><\/u><\/span><\/p><p><span style=\"color: #022947;\"><u><b>Dies ist etwa 250% Wertzuwachs Ihres Geldes in 10 Jahren.<\/b><\/u><\/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-1826e0a3\" data-id=\"1826e0a3\" 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-2eb7b08b elementor-widget elementor-widget-image\" data-id=\"2eb7b08b\" 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\/wp-content\/uploads\/2022\/08\/Product-quality-pana.svg\" class=\"attachment-large size-large wp-image-4717\" 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>Wieso ist die Vorsorge mit der 3. S\u00e4ule heute so beliebt? Wieso immer mehr 20-40 J\u00e4hrige mit der 3. S\u00e4ule vorsorgen J\u00e4hrlich bis zu CHF 2&#8217;500 Steuern sparen Wer sp\u00e4t anf\u00e4ngt, wird bestraft AHV bietet bereits in 20-30 Jahren (fast) keine Rente mehr Mit CHF 500&#8217;000 in die Fr\u00fchpensionierung gehen Kein heute 25 J\u00e4hriger darf [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"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>Bis zu CHF 2500 Steuern sparen &amp; 5 Jahre fr\u00fcher in Rente gehen<\/title>\n<meta name=\"description\" content=\"Bis zu CHF 2500 Steuern sparen und 5 Jahre fr\u00fcher in Rente gehen. Wie? Dies geht ganz einfach. 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