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Why Paying Off Your Swiss Mortgage Early Might Cost You CHF 500,000 in Retirement
Switzerland

Why Paying Off Your Swiss Mortgage Early Might Cost You CHF 500,000 in Retirement

A 45-year-old Swiss father faces a brutal choice: wipe out his pillar 2 and pillar 3a savings to own his home outright, or keep his 0.84% mortgage and risk market volatility. The math is clear, but psychology is messy. Here’s what the numbers really say about psychological safety versus financial optimization in Switzerland.

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The Pillar 2 Pension Trap: Why Switzerland’s ‘Safe’ Retirement Bet Is Costing You Your Legacy
Switzerland

The Pillar 2 Pension Trap: Why Switzerland’s ‘Safe’ Retirement Bet Is Costing You Your Legacy

The math behind Switzerland’s Pillar 2 pension conversion rates hides a brutal truth: choosing the annuity means betting against your own longevity and sacrificing your children’s inheritance. Here’s why the lump sum might be the smarter move, for some.

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