#Säule 3a

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January 14, 2026

The 15 Million Franc Retirement Myth: What Swiss Residents Actually Need

A data-driven reality check on the viral claim that you need 15 million francs to retire comfortably in Switzerland, examining the three-pillar system, realistic withdrawal rates, and what your Pensionskasse actually delivers.

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Switzerland

January 13, 2026

Budgeting for Life in Switzerland: A 26-Year-Old’s Real 2026 Financial Plan

A transparent look at a young Swiss professional’s budget, sparking discussion on savings rates, household cost-sharing, and optimal 3a allocation strategies in high-cost Switzerland.

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Switzerland

January 9, 2026

Financial Independence in Switzerland: Why 79% of Young Swiss Are Wrong About Their Future

A data-driven reality check on achieving financial independence in Switzerland for young people, exposing the gap between pessimism and actual opportunity, with concrete strategies for employment, entrepreneurship, and the FIRE path.

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From CHF 2,000 to CHF 2,600: Why This Zurich Rent Increase is More Than Just a Number

Switzerland

January 2, 2026

From CHF 2,000 to CHF 2,600: Why This Zurich Rent Increase is More Than Just a Number

A real-life case study reveals how a CHF 600 monthly rent hike in Zurich, combined with moving costs and overlapping leases, creates a financial shockwave that many residents underestimate.

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$Maxing Out 3a: The Emotional Weight of Missing CHF 0.40$

Switzerland

January 2, 2026

Maxing Out 3a: The Emotional Weight of Missing CHF 0.40

Why a forty-cent shortfall in your Swiss pension contributions can trigger an existential crisis in precision-obsessed savers

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Lump Sum Investing at the Market Peak: A CHF 25K Mistake?

Switzerland

January 2, 2026

Lump Sum Investing at the Market Peak: A CHF 25K Mistake?

A Swiss investor’s CHF 25,000 lump sum deployment at the February 2025 market high raises the eternal question: is timing luck or strategy?

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Investing 500K CHF at Market Highs: Why Your Fear Is Costing You More Than a Crash

Switzerland

January 1, 2026

Investing 500K CHF at Market Highs: Why Your Fear Is Costing You More Than a Crash

A 49-year-old Swiss investor sits on 500K in cash, paralyzed by all-time highs. The math is brutal: hesitation costs more than any correction. Here’s how Swiss investors should deploy large cash positions without timing the market.

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Double 3a Victory, Baby Bliss, and a CHF 1,600 Shock: A Real Swiss Family’s 2025 Budget Autopsy

Switzerland

December 31, 2025

Double 3a Victory, Baby Bliss, and a CHF 1,600 Shock: A Real Swiss Family’s 2025 Budget Autopsy

A brutally honest look inside a real ZH/TG family’s finances, marriage, baby, maxed pillars, and the brutal CHF 1,600 monthly income drop coming in 2026.

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Quitting the Rat Race: Using Swiss Savings for a 1, 2 Year World Trip

Switzerland

December 30, 2025

Quitting the Rat Race: Using Swiss Savings for a 1, 2 Year World Trip

The real cost of leaving Switzerland’s golden cage for extended travel, permit pitfalls, tax traps, and the bureaucratic price of wanderlust.

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