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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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Your Swiss Pension’s 4.7% Return Is a Mathematical Illusion
Switzerland

Your Swiss Pension’s 4.7% Return Is a Mathematical Illusion

The guaranteed payout rate on Swiss occupational pensions looks attractive, until you run the numbers on what you’re really giving up. Here’s why taking the lump sum might beat the pension for high earners.

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Your Swiss Pension Vanishes: The Inheritance Trap in Pillar 2 That Most Expats Never See Coming
Switzerland

Your Swiss Pension Vanishes: The Inheritance Trap in Pillar 2 That Most Expats Never See Coming

That 1.2 million CHF in your Pensionskasse (pension fund) looks impressive, until you realize choosing the annuity means your children inherit exactly zero. Here’s how Switzerland’s occupational pension system systematically dismantles family wealth transfer.

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