What’s your next sensible financial move?

How the financial process works

You choose what you’re doing and how far away your retirement is. Then you go through each stage one by one and select where you are. At the end, the guide shows you the one step that will make the biggest difference right now, with brief instructions and the relevant calculators.

Your answers are stored in your browser. The figures in the mini-calculators are not saved anywhere.

The stops along the way

• Overview: Knowing what comes in and what goes out, including tax. Anti-budget method
• Hedging against risks: Health insurance, third-party liability insurance and, for families, cover for death and disability. A comparison of third-party liability insurance
• Costly debts: First, get some breathing space; then start saving. When it comes to payment reminders, the specialist services provided by the Debt Advice Switzerland.
• Saving for a rainy day: A reserve to last several months, held in an interest-bearing account. Calculate nest egg
• Pillar 3a: Save on tax and make provisions for your retirement. Pillar 3a in comparison
• Invest: Build up your wealth over the long term with an ETF savings plan. ETF launch plan
• Check your pension provision: Read your IK statement and pension certificate, and identify any gaps. IK Extract Checklist
• Big goals: Work out the costs of owning your own home, taking time out or achieving financial freedom. Rent or buy?
• Annual check-up: Just 15 minutes once a year to keep everything running smoothly. Automate finances

Self-employment, a change of job, withholding tax, children, divorce or an inheritance can alter the order. The financial plan takes this into account.

Directions to the guesthouse

If retirement is less than ten years away, the process looks different: check your pension entitlements, request your pension records, estimate your pension, and Pension scheme contributions check in good time, between Capital or annuity decide on, stagger payments and organise assets for the pension.