#Umwandlungssatz

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.