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Fifty shades of green: the reality of impact investing

Fifty shades of green: the reality of impact investing

We know that investment decisions can have an impact on our society and the environment, but it’s not always easy to know whether we are investing in companies that are recognised as having a high negative social and/or environmental impact. So, how do we make socially responsible investment decisions? How do we make a positive …

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Keeping a level head – coronavirus and stock markets

Keeping a level head – coronavirus and stock markets

Stock markets have reacted sharply to the spread of coronavirus to countries outside of mainland China. Given the current crisis looks set to continue for the foreseeable future, investors should brace for more volatility in the stock markets. However, we urge you to remain calm and not to allow fear to govern your investment decisions. …

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Swiss P3 Pension FAQs

Swiss P3 Pension FAQs

Choosing the right Pillar 3 pension, or indeed getting to grips with the complexities of the Swiss Pillar pension system, can seem daunting. To help, we’ve pulled together questions we are asked about Pillar 3. We hope this helps you understand the key elements and considerations within the system but if your question isn’t answered, …

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Interesting Christmas traditions around the World

Interesting Christmas traditions around the World

As an expat you’re probably relatively familiar with the need to embrace new cultures and traditions when you move to a different country, but do you keep with your own traditions at Christmas, adopt the customs of your host culture, or merge the two?  What comes to mind when you think of Christmas? Is it …

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No changes to Pillar 3a allowance for 2020

No changes to Pillar 3a allowance for 2020

The maximum contribution you will be able to make into your Swiss Pillar 3a pension in 2020 is CHF 6,826. The allowance, for next year, remains unchanged from the 2019 value. There are two maximum fund amount limits applicable for the Pillar 3a: Employees can fund their Pillar 3a to a capped amount of CHF …

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Banking options for expats in Switzerland

Banking options for expats in Switzerland

If you’ve recently moved to Switzerland, you’ll probably want to open a Swiss bank account.  Initially, the Swiss banking system can feel confusing and overwhelming. However, there are also commonalities with day-to-day global banking practices. We will help you navigate your way through a banking system that is historically synonymous with protecting customer identity, assets …

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Living in Switzerland with a 401k

Living in Switzerland with a 401k

The 401k is an incredible investment vehicle when you are living and working in the USA. However, it can be complicated to convert or re-invest when you live in Switzerland. Many expats chose to leave their 401k as it is and are often unaware that there are other investment options available to them. There can …

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Are you an accidental American?

Are you an accidental American?

The American government is stepping up their game when it comes to finding Americans with undeclared foreign assets. In 2014 Boris Johnson learnt that he was a US citizen after being chased for taxes after selling his home. This situation is far more common than you might think. How you could be one of the …

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Market Summary – October 2019

Market Summary – October 2019

Global equity markets rallied in September with modest overall gains following a somewhat subdued August. Emerging markets occupied the extreme ends of the range, with Venezuela losing over 12% while Argentina gained over 18%. Steady US data underpinned markets with a sharp rise in consumer spending and unemployment remaining steady at 3.7%. The hope that …

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Navigating the Swiss Pillar 3a and a Pillar 3b system

Navigating the Swiss Pillar 3a and a Pillar 3b system

The OECD called Switzerland’s multi-pillar pension system a “Triumph of Common Sense”, and we can certainly see why. With diversification at its heart, the Swiss pension scheme embraces best practices deriving from the oft-quoted concept of ‘not putting all your eggs in one basket‘. What is the Swiss pension scheme? In a nutshell, the Swiss …

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