Asset support

Säule 3a indirekte Ammorisation

Indirect amortization

When we buy our own home, very few people in Switzerland can cover the costs out of our own savings - we need a mortgage. Mortgage creditors grant up to 80% of the purchase price as a mortgage, 20% must be borne from your own funds. Two-thirds of the purchase price is considered a so-called first mortgage, for which there is no obligation of repayment. The difference between this first mortgage and the equity is called the second mortgage, which must be repaid within 15 years, or by retirement at the latest. There are two alternatives to repay this part of the mortgage:

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What to make of bonds at the moment?

"If you want to eat well, buy stocks; if you want to sleep well, buy bonds": This is one of the many bon mots of stock market veteran André Kostolany. Anyone who was counting on being able to sleep soundly with their bonds/bonds has woken up from a nightmare in 2022. Why?

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Short-term or long-term mortgage? - an update

Due to the high and stubborn inflation, the Swiss National Bank has raised the key interest rates in three steps from -0.75 to 1 percent. There is currently a high probability that it will raise key rates again in 2023. The forecasts of the various banks and financial institutions anticipate further increases of +0.5 to + 1 percent, which could take the key interest rate up to 2 percent. It should be noted that interest rates at the short end have risen more sharply than interest rates on fixed-rate mortgages and that the spread between SARON and fixed-rate mortgage rates has therefore narrowed. The question now arises again as to how to proceed when taking out a new mortgage or renewing one. What are the options?

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Lukas Stuecklin

Beyond ESG!

In part four, our co-founder Lukas Stücklin explains what sustainability means beyond ESG.

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Explained by an example

[Translate to English:] Unser Kundenberater Marco Rohrbach erklärt im dritten Teil am Beispiel der Firma Apple das Ratingsystem ESG.

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convertible bonds - a combination of security & returns

Convertible bonds as an alternative to unprofitable bonds? Convertible bonds are an interesting combination of bond and equity investment, the best of both worlds, so to speak. We think they are unjustly neglected by some investors. Read why we come to that conclusion:

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When and where do I buy gold?

There is no honest man! not one, that can resist the attraction of gold! (Aristophanes) - is this saying true. Let's differentiate:

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