Independent, practical guidance with transparent assumptions. No sponsored recommendations, no sales pressure - just the reasoning behind each decision.
The mathematical threshold for franchise selection and the model-switch strategy.
How retail banking fees and TER quietly compound away half your investing returns.
Bank vs. insurance 3a, the equity ratio, and the five-account split for tax-staggered withdrawal.
The full-cost calculator: when paying more rent saves you money, and when it doesn't.
Cut mobile and home internet costs in one evening - without changing how you use them.
Liability, household, legal: the three policies most Swiss residents mis-buy or duplicate.
The deductions checklist by life situation - what to claim, when, and what to skip.
Stop paying hidden FX markups and pick the right card for CHF spending vs. travel.
All-in monthly cost: when a car is financially rational in Switzerland, and when it isn't.
A 30-minute monthly system that keeps important financial decisions from drifting.
* Fees & Passive Investing uses portfolio compounding: CHF 200,000 starting balance, CHF 15,000 annual contributions, and fees of 1.5% versus 0.3%. It responds to the horizon, return, and realization assumptions above. See the article for details.
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