Indirect amortization
When we buy our own home, very few people in Switzerland can cover the costs out of our own savings - we need a mortgage. Mortgage creditors grant up to 80% of the purchase price as a mortgage, 20% must be borne from your own funds. Two-thirds of the purchase price is considered a so-called first mortgage, for which there is no obligation of repayment. The difference between this first mortgage and the equity is called the second mortgage, which must be repaid within 15 years, or by retirement at the latest. There are two alternatives to repay this part of the mortgage:
Beyond ESG!
In part four, our co-founder Lukas Stücklin explains what sustainability means beyond ESG.
Explained by an example
[Translate to English:] Unser Kundenberater Marco Rohrbach erklärt im dritten Teil am Beispiel der Firma Apple das Ratingsystem ESG.
convertible bonds - a combination of security & returns
Convertible bonds as an alternative to unprofitable bonds? Convertible bonds are an interesting combination of bond and equity investment, the best of both worlds, so to speak. We think they are unjustly neglected by some investors. Read why we come to that conclusion:
When and where do I buy gold?
There is no honest man! not one, that can resist the attraction of gold! (Aristophanes) - is this saying true. Let's differentiate:
Can I reclaim my mortgage interests?
On 26 April 2021 the "Neue Zürcher Zeitung" published an article with the title: "Thousands of mortgage borrowers affected: Ruling with explosive force on Libor mortgages". The article deals with the question of whether Libor mortgage interest can be reclaimed from the bank since the introduction of negative interest rates. Reclaiming the interest may not be that easy. We tell you which requirements have to be met in Switzerland.
Women and Pension Planning
There is often a large gap between the pensions of men and women in Switzerland. This happens, for example, when mothers maternity leave take a break in their employment to take care of their families. This is more often the case in the generation that is now thinking about retirement.
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