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We provide insight and advice on business-related topics such as accounting practices and tax optimization. Our specialists share their experiences and solutions to financial and business challenges.

Direct vs. Indirect Amortization of Mortgages

In Switzerland, the acquisition of residential property is usually financed through a mortgage, with both direct and indirect amortization options available. These repayment methods differ in financial impacts and pension scheme integration.
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Early Retirement vs. Regular Retirement: What You Should Know

Early retirement in Switzerland means pension cuts, which vary depending on the pillar of provision and the duration of the advance withdrawal. With early retirement, you must carry out careful pension planning in order to minimize financial losses.
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Utilizable and transferable non-cash contributions

In Switzerland, corporations can be financed through cash contributions or contributions in kind, with the latter needing to meet certain requirements such as balance sheet eligibility. Contributions in kind require additional founding documents and checks, but can bring valuable assets into the company.
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Here's what you should pay attention to when lending money to an acquaintance.

Before lending money, clear written agreements regarding the amount, interest, and repayment terms should be made to avoid misunderstandings. A detailed loan agreement secures the financial transaction and the tax obligations.
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The taxation of employee participation in Switzerland

Companies offer participation models such as stock packages and options to promote employee retention and loyalty. These participations are subject to specific tax regulations, which depend on the type and availability of the shares.
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Hiring household help in Switzerland: What you need to know

As an employer in Switzerland, you must insure your domestic help and register them with the compensation office. In addition, monthly payroll statements and annual salary certificates are required.
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The compound interest effect à la Oppenheimer

The film "Oppenheimer" links the story of the atomic bomb with financial knowledge by explaining the compound interest effect, which allows wealth to grow exponentially. "Invest early and use high, constant interest rates to optimally leverage this effect for faster wealth growth."
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How can I start a company in Switzerland if I live abroad?

Switzerland offers a favorable environment for company formation, even without residence in the country, with requirements such as local managing director and company headquarters. Thorough planning and expert advice are essential to overcome legal and administrative hurdles.
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Which medical expenses can I deduct on my tax return?

In Switzerland, taxpayers can deduct self-paid medical expenses if they exceed the reasonable deductible limit and all costs are verifiable. This includes costs for medical treatments, medications, therapies, and medical aids.
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