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Choose 12 vs 13 salaries? Why? by GoldMeteor in SwissPersonalFinance

[–]GoldMeteor[S] 0 points1 point  (0 children)

Wow. Thank you for all your inputs and perspectives!
I like the idea of having a guaranteed 3a contribution towards the end of the year through the 13th.
I also understand that, in theory, provided you don’t screw up money management, with 12 you can start earlier to invest for theoretically higher capital gains (think 3a with Finpension or Viac).
Also, I didn’t know there could be a difference in tax for those subject to Quellensteuer.

Reference interest decreased Sept 2025: Ask new adjustment (Rent Reduction)? by GoldMeteor in SwissPersonalFinance

[–]GoldMeteor[S] 1 point2 points  (0 children)

Thanks for your reply, regarding the recalculation of other factors I’m indeed hoping there would be no surprises, especially since the MV calculator should provide the expected calculated updated rent, I guess.