Life situation

Starting a job

Salary, taxes, social security

Guides for this situation (12)

The guides below cover the topics that matter most at this stage.

Vested benefits, the transfer to your new fund and what to do in a gap between jobs.

Documents, deadlines, deductions people forget and what to do if you disagree with the assessment.

Why where you live matters so much, which deductions are available and how the tax return works.

Pillar 3a, buy-ins, deductions and timing: the main ways employees lower their tax bill legally.

How to compare a Swiss salary with a foreign one after prices, tax and insurance.

How the deductible, 10 % co-payment and managed-care models affect your yearly cost.

Mandatory insurance, the sensible extras and the policies that are often oversold.

AHV, pension fund and private savings: how the three pillars work together and what each one gives you.

How much cash to hold, where to put it and what happens if a bank fails.

Read your contract, pick insurance, start saving and avoid the early debt traps.

AHV, ALV, pension fund, accident insurance – what each deduction means and what you can influence.

Which donations are deductible, the limits and how to document gifts.

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