Solutions for private customer
Personal Security / Pension Funds
How much pension or capital will I receive after retirement? How will I be covered in the event of an accident or an illness? The tax benefits of pension funds.
We support you so you can lead a financially independent life in the future. We offer an individual assessment of your current financial situation and then work with you to develop the optimal solution for you.
Whether insurance or bank solutions, we show you the important differences and what is the best solution for your individual situation.
Would you like to save for your retirement, in addition to your Third Pillar 3A, or, if you are single, with a Third Pillar 3B we can help you choose a savings strategy on top of the base benefit.
Are you moving into your own home (mortgage protection), or would you like to protect your family in case of death or disability? We will compare the available solutions on the market and can offer you non-biased advice so you can profit from the insurance products with the best price/performance ratio.
A vested benefits account is an account where you can transfer your accumulated pension capital to. This only applies to occupational pensions schemes (BVG – Second Pillar). We can support you with optimizing and/or investing these funds.
Insurances
Are my insurance premiums competitive and does the cover meet my needs?
Where can I report a claim?
You can benefit form our expertise and we can help you with optimizing your current insurance portfolio
Choosing the right health insurance for you and your family can be quite a challenge for many people. We will provide you with comparisons between the different health insurance premiums of the highly rated health insurance companies in Switzerland and supply you with all the necessary information – independent and non-biased. We help you quickly find the best health insurance coverage that fits your and your family’s needs – Basic (mandatory) and Supplementary health insurances.
The house contents insurance protects your personal belongings in the event of damage by fire, water, theft and glass breakage.
Would you like to insure your new car, or change your current car insurance? Would you like to choose the exact cover for your car that suits you – and only pay the premium on the cover you actually desire and need.
This cover you should you accidentally damage something (including damages to your rented apartment or house), or accidentally hurt someone (e.g. accidentally hit someone while riding your bicycle).
Would you like to protect yourself in case of a legal dispute so you don’t have to bear the high legal costs yourself? Legal protection insurance provides cover for the financial risks that can arise from a legal dispute.
This insurance protects your owned house, or building against various damages as well as sudden unforeseeable events.
Mortgages
How can I finance my own home? What do I need? Which bank offers the best conditions?
As an Independent partner, we can help you find the right bank with the right conditions. Our competent all-around mortgage advice is offered to you at no cost.
A fixed mortgage has a fixed interest rate and a fixed term. With this approach you can secure a favorable interest rate for a set number of years. During the term of the fixed interest mortgage your interest rates are protected.
With a variable interest mortgage, you can cancel the contract at any time with a 3-months’ notice. With this approach you can remain very flexible and can benefit from potentially lower interest rates in the future.
The SARON (Swiss Average Rate Overnight) as a mortgage interest index has been around since 2009 and that rate is calculated on the basis of completed transactions and binding quotes (purchase and Sales prices) on the Swiss money market. This methodology was developed by SIX Group AG (abbreviated simply as SIX) in cooperation with the Swiss National Bank (SNB). The SARON is publicly transparent and very robust and meets the requirements of international bench mark standards. It is calculated and published daily right after the SIX closing bell (18:00 UTC). SIX (Swiss Infrastructure and Exchange) is the Swiss Stock Exchange.
Real Estate
Would you like to sell your house / apartment or buy a house / apartment?
We work with experts who can accompany you from beginning to end during the sale or purchase of your property.
With indirect amortization, the total amount of the mortgage remains the same and the bank does not require repayment in regular tranches.
Would you like to protect or insure your mortgage, please ask us how and we’d be very glad to show you how.
Our independent advice will help you find the best value for money and avoid unnecessary expenses.