VIAC vs Finpension 3a – Which is the best third pillar for 2021?

In Retirement, Switzerland

Until the end of 2020, VIAC was pretty much unchallenged as the best third pillar in Switzerland. And then came Finpension 3a, another great third pillar offer.

I have already made reviews of these two great services. But we also need to compare VIAC vs Finpension 3a in detail to see which is the best third pillar in Switzerland?

In this article, I am going to compare VIAC vs Finpension 3a in detail. We will see their investing strategies, fees, and everything you need to know to choose!

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The Best Websites For Online Shopping In Switzerland

In Save, Switzerland

These days, a lot of shopping is done online. It is so practical to shop for something online. It can save you a lot of time. And it allows you to compare many different websites to get the best deals easily. Shopping online can also save you some money.

Of course, online shopping also has its dark side. Since it is convenient to shop online, some people are buying many more things than they should. It is so easy to press a button and get things delivered at home. I am sure it happened to many of you. At least, it happened to me!

If you are only buying things you need, online shopping can be a great thing. But you still need to know where to shop online. Even in our small Swiss country, there are hundreds of websites where to shop. And let’s not forget that sometimes online shopping is not cheaper than shopping in a normal shop!

In this post, I am going to list the best online shopping websites in Switzerland. This list should allow you to shop for the best prices!

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Free by 40 in Switzerland – Book Review

In Switzerland, Investing

I just finished reading Free by 40 in Switzerland, a book about financial independence, in Switzerland, by fellow blogger Mr. Mustachian Post, alias Marc Pittet. Mr. MP was kind enough to send me a version that I could review before the release date. So I can have this review ready now that the book is available!

Free by 40 in Switzerland will go over how to retire by the age of 40 in Switzerland. It covers how to reduce your expenses, increase your income, and invest your savings. And all this is directly tied to Switzerland.

It should not matter much, but I have to say that I have read the French version. But the English version should be similar, and both are available for sale now (the German version will arrive later).

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What is The Best Credit card in Switzerland for 2021?

In Save, Switzerland

A credit card is a powerful personal finance tool. But it is only a good tool if used correctly. And unfortunately, many people are not using credit cards correctly.

The first important thing is to choose a card with no annual fee. You should focus on that first. Contrary to what credit card companies want you to believe, it is often better to get a credit card with no fee and smaller cashback than an expensive card with a lot of cashback. The important thing is to do your research and compare it with your actual credit card spending.

I am going to assume that you carry no credit card debt and always your balance in full. Otherwise, it is an entirely different issue!

Let’s explore the different credit card options that are available in Switzerland.

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Swiss Deposit Insurance – When a Bank Bankrupts

In Retirement, Switzerland

We have talked a lot about Swiss Banks on this blog. But we have not yet talked in detail as to what happens to your money if one Swiss Bank defaults (bankrupts).

In that case, there is a special deposit insurance for the customers of the failed bank. Even though Swiss banks are reputed very safe, they are not infallible. It is essential for customers what would happen to their bank account balance if their bank goes bankrupt.

In this article, we will cover this deposit insurance in all its details and see what people can do about that.

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12 Things I Love about Switzerland – Beautiful Country

In Switzerland

Even though there are some things I dislike about Switzerland, I love living in Switzerland. In this post, I list the things I love about Switzerland.

There are 12 things on my love list! And there are not the only things I love about Switzerland. I have many more things I like about it than things I do not like.

Before you read what I love about Switzerland, you should be aware of my situation! You have to remember that I live in the Swiss countryside. I live in a tiny village. And I do not like cities. Some people like cities more than villages. But I would hate living in a town. I also enjoy hiking a lot, and I like being outside. This situation will be reflected in some things I like the most about Switzerland.

Below, you will find 12 things I love about Switzerland. They have almost nothing to do with money. And they are in no particular order.

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Finpension 3a Review: Is it the new best third pillar?

In Investing, Switzerland

Finpension just started their third pillar offer: Finpension 3a. And it is extremely interesting.

Finpension is already behind valuepension, the best vested benefits (second pillar) account available in Switzerland. So, it is great that they now start to offer a third pillar account.

So, let’s review Finpension 3a in detail.

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Swiss Investors Will Lose Access to US-Domiciled ETFs in 2022

In Investing, Switzerland

Since the beginning of 2019, Swiss investors cannot buy Exchanged Traded Funds (ETFs) domiciled in the United States from my previous broker, DEGIRO. This event is terrible news for Swiss investors.

This problem is due to new regulations that will come into play. These regulations have already affected all European investors since 2018. But Switzerland was not affected before. We are going to see what changed. These issues are based on several European and Swiss laws. These laws are sad news for European investors and Swiss investors. I am not a legal expert at all. So this is only my interpretation of these laws. If I am wrong or I missed something, please let me know!

Normally, this should only come into effect in January 2022. But DEGIRO decided to implement this earlier, effectively cutting Swiss Investors from the best ETFs available. I have now switched to Interactive Brokers.

In this post, we are going to see why this is happening. And we are also going to see what are the different options for us. There are several possible solutions to this issue. But none of them is perfect, as we will see.

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What is the Best Swiss Bank in 2021?

In Save, Switzerland

Everybody needs a bank account. Your company (or clients) will transfer your income into a bank account. And you will need to pay your bills from your bank account. Unless you live entirely off the grid and get paid in cash, you will need a bank account. But which Swiss Bank should you choose?

There are tons of different banks. After all, Switzerland is the country of banks. However, contrary to popular belief, Swiss banks are not great!

Most Swiss banks are costly and offer poor service. You can find much cheaper and better banks in other countries. Fortunately, this is starting to improve with some new banks that try to make things move in a better direction.

Let’s see which is the Best Swiss Bank in 2020! But first, let’s start with how we can choose a bank!

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The Best Phone Plans in Switzerland in 2021

In Save, Switzerland

Update: Fully updated as of August 2020! Plans have become even cheaper than before!

We can agree that everybody wants to pay as little as possible for their phone bills. Even though you may think your current phone plan is the cheapest available, there could be new deals since you started using your plan. It is always essential to keep up to date with the latest offers.

The Swiss Phone plan market is quite diverse these days. Fifteen years ago, it was almost only Swisscom, and everybody was content with it. Now, many other providers are using one of the three major networks.

In this post, I am going to compare the phone plans and prepaid cards for seven standard phone usages. For each of them, I will show the cheapest options available. Keep reading if you want to save money on your phone bill!

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