Personal Finance

Switzerland is a nation of tenants. Only around a third of households own their home, one of the lowest rates in Europe, and in cities such as Geneva and Basel the share is far smaller. Yet low mortgage rates mean that, on paper, owning can now cost less each month than renting a similar home. This guide compares the real costs of both options, explains what you need to buy and shows which questions decide the answer for your own situation.

Keeping your family safe starts with the right cover. Discover which insurance is compulsory in Switzerland, which is optional and where gaps can arise.

Starting a family is a wonderful step. See how to prepare your finances in Switzerland, from insurance and maternity pay to childcare and the first year.

Expecting or dreaming of a family? See what raising a child in Switzerland costs, around CHF 345'000 to age 18, and how to plan ahead with peace of mind.

Marriage, children and buying a home each change your taxes, pension and inheritance rights in Switzerland. Planning each step early keeps your finances on track.

In Switzerland, a valid will, a clear grasp of reserved shares and early tax planning help make sure your estate passes on exactly the way you intend. This article explains how Swiss inheritance law works, how much of your estate you can freely allocate, which documents you need and how pensions, property and tax fit into the picture.