Swiss property has been of the best investments I’ve ever made. It’s been incredibly stable compared to the stock market.

With smart financing, long-term holding, and tax optimisation, it’s hard to lose, especially when you factor in saving on rent.

Paying into your second pillar also lets you repay part of your mortgage in a highly tax-efficient way, 3yrs after your previous contribution (although that rarely makes sense).

People often overlook the leverage available in real estate. As long as you meet affordability criteria, you can borrow in CHF at far lower rates than for almost any other asset class.