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Why Entrusting Your Tax Return to a Professional Pays Off – The Caveo Approach

Why Entrusting Your Tax Return to a Professional Pays Off – The Caveo Approach

It's that time of the year again – tax season. For many, it's a dreaded task that's often procrastinated. But did you know that getting your tax return professionally prepared can save you not just time but also money? At Caveo, we go a step further than typical service providers. Discover why it's worth having a pro from Caveo handle your tax return.

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How to Optimize Your Vesting Benefits for a Brighter Future

How to Optimize Your Vesting Benefits for a Brighter Future

In today's world, taking charge of your financial future has never been more critical. Especially for women who have chosen to pause their careers to dedicate time to their families, understanding retirement planning options is crucial. One often overlooked opportunity is the optimal utilization of vesting benefits. But how can you ensure that your hard-earned money continues to work for you, even when you're not actively in the workforce?

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Does your insurance advisor want to advise you? Or sell you something?

Does your insurance advisor want to advise you? Or sell you something?

Imagine you are sick and go to the doctor. He has an exclusive contract with a single pharmaceutical manufacturer and sells you only their products. Regardless of whether they are the best on the market or not. Strange idea? Well, in the insurance market, this is exactly the standard.

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Here's a completely unromantic blog post about getting married.

Here's a completely unromantic blog post about getting married.

Bravo, Switzerland! We are truly proud of our progressive country, which introduced marriage for all on July 1, 2022. As with women's suffrage, we are a truly progressive pioneering nation

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Pension Fund Purchases in Zurich: Your Guide to Smart Provision and Tax Savings

Pension Fund Purchases in Zurich: Your Guide to Smart Provision and Tax Savings

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Managing Rent Increases in Switzerland Effectively

Managing Rent Increases in Switzerland Effectively

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Take your chance for pillar 3a in 2023

Take your chance for pillar 3a in 2023

Time flies and 2023 is already drawing to a close. Have you already paid into your pillar 3a?

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Excel for Influencers: A few business thoughts

Excel for Influencers: A few business thoughts

Do you want to live off your Reach and think TikTok is cooler than Excel? Understandable. If you want to know how your videos go viral and whether you should get your grandparents to give you followers for your birthday, we can't help you.

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Motion Ettlin and the 3rd Pillar: A Juggling Act in Financial Politics

Motion Ettlin and the 3rd Pillar: A Juggling Act in Financial Politics

So, the Swiss Council of States has activated its "Pillar of Surprises" – the Ettlin Motion, which dives into the topic of contributions to the 3rd pillar, seems to be orchestrating quite the acrobatic legal spectacle. Back in the autumn of 2019, this idea took the stage, aiming to offer a chance for those who were somewhat reserved with their deposits into the third pillar in previous years to catch up.

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Will you visit us at the Zuger Messe?

Will you visit us at the Zuger Messe?

Few days to go: the Zug Fair opens its doors and we would like to invite you.

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Vesting of Occupational Benefit Plan: Key Legal Change in 2024

Vesting of Occupational Benefit Plan: Key Legal Change in 2024

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Navigating through Pillar 3a and Inheritance Law: Complex Mandatory Shares and Innovations in the Swiss Legal System

Navigating through Pillar 3a and Inheritance Law: Complex Mandatory Shares and Innovations in the Swiss Legal System

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The Need for a Fourth Pillar in Retirement Planning: The Role of Financial Literacy

The Need for a Fourth Pillar in Retirement Planning: The Role of Financial Literacy

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What does an ancient Roman have to do with your insurance advice?

What does an ancient Roman have to do with your insurance advice?

If you paid attention in school, you can skip this section. All others may still remember Cicero. There was that one time... Latin class? No, not the one who set fire to Rome (that was Nero) and not the one with Cleopatra (Caesar). Cicero was a writer, philosopher, politician and lawyer, famous for his treatises on rhetoric, the art of speech.

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Maximize Your Savings: Book Your Personal Consultation Video Call with Caveo Now!

Maximize Your Savings: Book Your Personal Consultation Video Call with Caveo Now!

The health insurance season is in full swing, and making intelligent financial decisions has never been easier. Did you know that you can switch both your mandatory basic insurance and supplementary insurance plans until the end of November? This is an opportunity you don't want to miss, as it can lead to significant savings. In this blog post, we'll show you how you can benefit from switching both types of insurance and provide you with the chance to book a personal consultation video call with our experts at Caveo.

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With foresight into the future: Everything important about child insurance

With foresight into the future: Everything important about child insurance

Children cannot take care of themselves yet.

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Why should you learn financial education?

Why should you learn financial education?

Nowadays, financial education is of crucial importance in gaining control over your wealth development and risk protection, as well as achieving your financial goals and desires. In a world where money plays a significant role and economic uncertainty is prevalent, possessing financial competence is essential for success.

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Swiss National Bank and Inflation: Effects on Mortgage Interest Rates and Real Estate Valuation

Swiss National Bank and Inflation: Effects on Mortgage Interest Rates and Real Estate Valuation

The Swiss National Bank (SNB) has stepped up the fight against inflation. By raising the SNB key interest rate by 25 basis points to 1.75 percent, the SNB aims to ensure long-term price stability. In this blog article, we look at current developments and discuss the importance of reviewing the mortgage rate and real estate valuation.

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Self-employment or limited liability company (GmbH)? It depends!

Self-employment or limited liability company (GmbH)? It depends!

Self-employment and taxes: a tedious topic explained in 3 minutes.

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Which apps you don't need on vacation - and which ones you do.

Which apps you don't need on vacation - and which ones you do.

With this app your vacations will be really relaxing.

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Our office dog will tell you more about pet insurance.

Our office dog will tell you more about pet insurance.

We insure everything. Also woofs and kitties.

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Digital insurance brokers: The future of individual advice - anytime, anywhere.

Digital insurance brokers: The future of individual advice - anytime, anywhere.

In an increasingly digitized world, the way we use services and receive information is changing rapidly. The insurance industry is not unaffected by this change. The traditional method of visiting an insurance broker in person for advice is still possible, but the future undoubtedly belongs to digital insurance brokers. In this blog post, we will look at why digital insurance brokers are the future of advice for individuals.

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Deine Vorsorge: 100 % digital, 100 % transparent, 100 % Caveo.

Deine Vorsorge: 100 % digital, 100 % transparent, 100 % Caveo.

In den vergangenen Monaten haben wir uns intensiv mit dem Thema «Financial Literacy» im Bereich der Vorsorge (Alter, Tod, Invalidität) auseinandergesetzt

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Talk about boring things.

Talk about boring things.

What the most successful series has to do with boring preventive care.

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Fight old-age poverty!

Fight old-age poverty!

Two ways to reduce retirement poverty on May 1. :-)

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Many women look old when they retire.

Many women look old when they retire.

This is how you can narrow the gender gap.

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Crédit Suisse debacle - What does this mean for my pension provision?

Crédit Suisse debacle - What does this mean for my pension provision?

UBS takes over Crédit Suisse for around 3 billion francs. The federal government is helping with a de facto bailout with a whole arsenal of tools and guarantees worth billions. However, Finance Minister Karin Keller-Sutter refuses to talk about a state bailout. But many people are currently concerned with the question: What will happen to my assets in my private/savings account, my retirement savings account 3a and my vested benefits account?

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Insurance for women: Why they are important

Insurance for women: Why they are important

Women often have specific needs when it comes to insurance. There are a variety of types of insurance that can help women protect themselves against unforeseen events. In this blog post, we will take a closer look at the most important insurance policies for women and why they are important.

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These tax tricks won't put you in jail.

These tax tricks won't put you in jail.

You know that envelope with the cantonal emblem on it that reliably flutters into your mailbox at the beginning of the year? A few payment slips are inside, and in officialese it says that you can use it to pay your tax bill.

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Invite friends and receive a CHF 100.- tax voucher 😊

Invite friends and receive a CHF 100.- tax voucher 😊

As a thank you for your loyalty, we would like to give you "something" in return. Therefore: It pays to recommend us! Tell your friends and acquaintances about Caveo and we'll give you a Caveo tax return voucher worth CHF 100 for every successful referral*.

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Stay cool. And stay invested.

Stay cool. And stay invested.

Stay cool. And stay invested.

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Talking about money is as romantic as plastic flowers.

Talking about money is as romantic as plastic flowers.

How was your Valentine's Day? If you're a florist, congratulations on your sales. If you're not: It's also worthwhile for you to talk about money. Even though it might be as romantic as plastic flowers.

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Pillar 3a - what you should know this year

Pillar 3a - what you should know this year

Every year the sparrows whistle the same song from the rooftops: your private pension is important. The reason: AHV and pension funds are in trouble.

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Tax return: Profit together!

Tax return: Profit together!

As a thank you for your loyalty, we would likIt pays to recommend us! Tell your friends and acquaintances about Caveo and we'll give you & your friends a Caveo tax return voucher worth CHF 100 for every successful referral*.

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Expertise

Expertise

You want to become a tramp pilot? Then you have to pass a driving aptitude test and must not have a criminal record - otherwise you can't carry passengers.

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Good New Year's Resolutions

Good New Year's Resolutions

So, what resolutions have you made this year? Here are a few ideas:

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Yes, I do - part of your pension fund balance.

Yes, I do - part of your pension fund balance.

"Yes, I do - part of your pension fund assets." To our knowledge, no one has ever said this sentence at the altar, but you should know it.

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Secure the big future for the "little ones

Secure the big future for the "little ones

The topic of "private pension provision" is widely discussed in the media. But have you ever asked yourself how your children are insured in case of an accident or illness? This uncomfortable and emotional topic is often not given enough "attention" or is very rarely addressed by customer advisors in pension consulting. We see it differently - let's talk about it.

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Have you already paid in your 2022 pension contributions?

Have you already paid in your 2022 pension contributions?

The maximum permitted "2023 tax deduction" under pillar 3a is now 7056 francs (2022: 6883) for people who already have a 2nd pillar (pension fund), or 35 280 francs (2022: 34 416) for people without a 2nd pillar.

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Be a pension rebel - The Caveo pension analysis: rebelliously simple, independent and efficient.

Be a pension rebel - The Caveo pension analysis: rebelliously simple, independent and efficient.

At Caveo, we are convinced that pension consulting services need to become much better and simpler. We want to offer you pension advice that is fit for the future - because you deserve more freedom of choice, transparency and simplicity when it comes to your retirement planning.

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AHV reform: What you should know

AHV reform: What you should know

It's official. The women's pension age of 65 is coming. In addition, the reform also has extensive consequences for all women and men who want to retire early or continue working in old age. On September 25, 2022, Switzerland narrowly said YES to the AHV reform. It is therefore expected that important parameters in the AHV will change from 2024. If you want to prepare properly for your retirement, you should already know these consequences of the reform today:

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Money! How do I explain the topic to my child?

Money! How do I explain the topic to my child?

We Swiss are taught from an early age not to talk about money. The more important lesson, however, would be the right way to handle money. We give you five tips on how to explain money to your children.

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Do you already know your 2022 tax optimization potential?

Do you already know your 2022 tax optimization potential?

In Switzerland, there are many different types of taxes - but also plenty of opportunities to save taxes. There are two ways to do this: by buying into the pension fund or paying into the 3rd pillar. Read here which tricks you can use to save taxes through pension provision.

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Multiple employers - disadvantageous from a pension perspective?

Multiple employers - disadvantageous from a pension perspective?

Part-time relationships for several employers It can be interesting and also exciting to work for several employers. There is a wide range of part-time jobs on offer, which means that many employees in Switzerland can take advantage of this opportunity. However, the consequences for the personal pension situation should not be forgotten, as these can be disadvantageous compared to an employment relationship with a single employer.

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Self-employment and occupational benefits - what do I need to pay attention to?

Self-employment and occupational benefits - what do I need to pay attention to?

Self-employed people enjoy a lot of freedom and personal responsibility. This also applies to the topic of pension provision. We explain here what you need to pay attention to as a self-employed person so that you can look forward to a comfortable life in old age.

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Wie lange ist man über seine Eltern versichert?

Wie lange ist man über seine Eltern versichert?

Jedenfalls nicht so lange wie man im Hotel Mama wohnt. Ab 18 Jahren solltest du deine Versicherungsthemen selbst in die Hand nehmen, auch wenn Papi noch deine Rechnungen zahlt. 😂

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Wann zahlt die Krankenkasse dein Fitnessabo?

Wann zahlt die Krankenkasse dein Fitnessabo?

Je nach Zusatzversicherung sind die Beiträge an dein Fitnessabo unterschiedlich. Egal wie viel Sport dass du machst :-) Wie viel es tatsächlich ist, zeigt dir unsere App.

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Retirement planning for women: 7 tips for a secure future

Retirement planning for women: 7 tips for a secure future

Equal rights are advancing. Nevertheless, women in Switzerland receive on average one third less pension than men. Reasons for this include maternity leave or part-time work due to childcare. Here we give you 7 tips on how you can still make good provisions for your old age.

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Inherited money? We'll tell you how best to invest it.

Inherited money? We'll tell you how best to invest it.

From one day to the next a large sum of money, and perhaps various assets in your account. What to do with it? We will tell you in this article.

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Help. My flight was canceled. Will the travel insurance help?

Help. My flight was canceled. Will the travel insurance help?

And in the vacation season, of all times! The headlines about canceled flights are piling up. Can travel insurance help in such a case? We'll tell you here.

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Was ist der Unterschied zwischen einer Franchise und einem Selbstbehalt?

Was ist der Unterschied zwischen einer Franchise und einem Selbstbehalt?

Einige. Jedoch wollen wir dich nicht mit unserem Fach-Blabla langweilen. Hole jetzt die App und lass uns gemeinsam die für dich wichtigen Unterschiede herausfinden.

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8 Habits of Successful Young Entrepreneurs

8 Habits of Successful Young Entrepreneurs

At Caveo, we're convinced that if you want to be successful at work (or at home), you need to get into one or two good habits. In this article, we reveal the best eight from our team.

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10 Referrals until the end of the year = iPad or CHF 500.-

10 Referrals until the end of the year = iPad or CHF 500.-

Are you satisfied with Caveo? Awesome, that makes us happy! 💫 Then just spread the word and we will thank you with a nice gift.

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You get divorced - this happens to your pension fund assets.

You get divorced - this happens to your pension fund assets.

You don't wish it on anyone, but still 50% of couples are affected, at Caveo we bet on transparency. Calculate how your BVG account will be split at divorce.

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What insurance does my baby need?

What insurance does my baby need?

You are new parents or will be soon? Congratulations! We explain here which insurances you should adjust and which new ones your offspring will need.

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Maternity: What do I do as a woman if I lose my pension contributions?

Maternity: What do I do as a woman if I lose my pension contributions?

In Switzerland women are entitled to 14 weeks of maternity leave and maternity compensation. But what happens to the AHV contributions? Having children in Switzerland does have some financial implications. We will tell you more about it in this newsletter.

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Save taxes: Those who pay into the 3rd pillar immediately pay less tax.

Save taxes: Those who pay into the 3rd pillar immediately pay less tax.

The topic of pension provision is something for the elderly - many people think that, but it's not true. If you namely pay monthly contributions into your pillar 3a, you'll save taxes every year. We explain why this is the case.

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Should I finance the purchase of my own home with the pension fund?

Should I finance the purchase of my own home with the pension fund?

The dream of owning a flat or house: many people find it difficult to make this dream come true without drawing down money from the pension fund. But is this a good idea? And what do you have to bear in mind? We'll tell you here.

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Same-sex marriage: What does this mean for insurance and pension provision?

Same-sex marriage: What does this mean for insurance and pension provision?

From mid-2022, same-sex couples in Switzerland will be able to officially say yes to each other. But what changes will marriage bring in terms of insurance and pension? We'll tell you in this article.

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Was ist eine Hausratversicherung?

Was ist eine Hausratversicherung?

Deine Gucci Schlarpen, dein USM Haller Sideboard, deine Rolex aus Thailand. Alles versichert in der Hausrat. Tipp zur Rolex: Ist sie echt, dann lieber eine Wertsachenversicherung abschliessen. Wir helfen dir so oder so.

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Real estate value: How to determine the market value?

Real estate value: How to determine the market value?

The first step to real estate value and market value is a real estate appraisal. We tell you in a few minutes what your property is worth and then guide you through the sales process.

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If you want to eat well, buy stocks; if you want to sleep well, buy bonds

If you want to eat well, buy stocks; if you want to sleep well, buy bonds

The stock market crash came suddenly, triggered by a virus. In the spring of 2020, the Corona crisis sent the world's stock markets into a tailspin and caused one of the biggest financial crises ever. Currently, the world is preoccupied with events in Ukraine and the persistently low interest rate environment.

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Have you seen our "Bye-Bye Paperwork" feature?

Have you seen our "Bye-Bye Paperwork" feature?

With our new "My Documents" function, you’ll finally be able to throw away your old paper folder: With just a few clicks, you can store your most important financial documents (e.g. tax returns or pension fund statements, etc.) in your app and can access them digitally, at the touch of a button, no matter where you are. And of course we’ve made sure all your data is stored on Swiss servers according to the highest security standards.

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Dive into 2022 with a standing order. Your future self will thank you.

Dive into 2022 with a standing order. Your future self will thank you.

Even investing just a small amount, such as a cup of coffee a coffee per day, will continuously build up wealth and make a significant financial difference in the long run. At Caveo, thanks to our independence, you have various options to invest your money in a simple and clever way, starting at just CHF 100.-. 😊

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Was ist eine Haftpflichtvericherung?

Was ist eine Haftpflichtvericherung?

Kennst du nicht? Solltest du aber. Wenn nicht, Notfalltermin bei Caveo buchen, denn hier kann es um Millionen gehen. 💵💵💵

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Bye Bye tax clutter 2021. Hello Caveo

Bye Bye tax clutter 2021. Hello Caveo

To file a tax return, you have to be a philosopher; it's too difficult for a mathematician (Albert Einstein)

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What you should know as a customer about the Financial Services Act (FIDLEG)

What you should know as a customer about the Financial Services Act (FIDLEG)

Do you still remember the Lehman Brothers case that triggered the financial crisis in 2008? Or the Madoff fraud case in 2009? In the wake of these cases, the Swiss Financial Market Supervisory Authority ("FINMA") published the so-called "FINMA Distribution Report 2010" in October 2010. This report identified "a significant information gap and imbalance of power between financial services providers and private clients" which the current law did not adequately address. FINMA concluded that adequate client protection was not guaranteed and proposed various measures to remedy the deficiencies identified, including the creation of a financial services law.

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The basics of investing

The basics of investing

Many investors have the desire to buy when prices are low, and to sell when they are high. For this reason, investments are often made on an emotional impulse, which unfortunately often turns out to be moderately successful. In corrective market phases, inexperienced investors sell their investments - for fear of losing even more - and do not profit from the subsequent recovery. Unfortunately, those who have been scolded only dare to re-enter the market relatively late, thus limiting their returns once again.

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More room for manoeuvre and more responsibility: The Swiss inheritance law revision as of 01.01.2023

More room for manoeuvre and more responsibility: The Swiss inheritance law revision as of 01.01.2023

The revision of inheritance law in Switzerland will come into force on 1 January 2023. The legislator's main focus in the revision of the law of succession was to increase the scope of action for the testator to regulate the estate.

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Wann zahlt meine Unfallversicherung?

Wann zahlt meine Unfallversicherung?

Bei Hals- und Beinbruch zahlt deine Unfallversicherung, no Problem. Wirst du aber durch einen Unfall Invalid wird's kompliziert. Wir finden für dich den besten Schutz. 🛡️

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Do I need legal expenses insurance?

Do I need legal expenses insurance?

There are many types of legal expenses insurance. Private, traffic, business, combined legal expenses insurance and so on. Legal expenses insurance is therefore a "book with seven seals" for many customers. The terminology doesn't help much either. For example, you can guess that you cannot defend yourself against your employer who simply dismisses you, but you also do not know whether this case is really covered by your private legal expenses insurance.

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Wann zahlt die Kankenkasse deine Zahnarztkosten?

Wann zahlt die Kankenkasse deine Zahnarztkosten?

Kosten rund um die Zähne sind teuer und kompliziert. Damit dein Lächeln nicht verschwindet, plane mit uns deine Zahnversicherung.

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Our money saving tip of the day: Check your supplementary insurance before the end of September!

Our money saving tip of the day: Check your supplementary insurance before the end of September!

The health insurance season is in full swing! You can still change your compulsory basic insurance until the end of November and save a lot of money. What many people do not know: however It also makes sense to review your supplementary insurances. But beware: the deadline for a switch is already at the end of September

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Was ist eine dritte Säule?

Was ist eine dritte Säule?

Damit sind nicht die antiken Säulen in Griechenland gemeint, sondern deine private Vorsorge. Wie du diese am besten aufbaust, verraten wir dir in unserer App.

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The days of insurance consultants are numbered - or need to be rethought.

The days of insurance consultants are numbered - or need to be rethought.

The fat, but deliberately not too fat, car is parked in the driveway. The doorbell rings and there he is: the charming insurance advisor with a pleasant cloud of perfume, briefcase, tablet and the "perfect, customized solutions" up his sleeve. A cliché image like something out of a movie - and yet still an integral part of the world of financial, insurance and pension consulting. But for how much longer?

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Summer holidays during the coronavirus pandemic. Should I buy travel insurance?

Summer holidays during the coronavirus pandemic. Should I buy travel insurance?

For most of us, never before have we spent so much time within our own four walls. We are tempted by faraway places, and especially by warm, sandy beaches somewhere on an exotic island. But how "safe" are the summer holidays this year? Here we’ll be tackling these questions.

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The big Q&A on the third pillar

The big Q&A on the third pillar

"The third pillar is for when you’re old". Although that may be right, it’s only true if you take care of it now! Here we‘ll answer the most frequently asked questions about the pillar 3a.

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Welche Versicherungen kannst du von den Steuern abziehen?

Welche Versicherungen kannst du von den Steuern abziehen?

Den grössten Steuereffekt hast du mit der Einzahlung in eine Vorsorge 3a. Wieviel Steuern du sparen kannst, sagen wir dir auf unserer App.

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Let's face it: The 3rd pillar. Caveo’s simple guide.

Let's face it: The 3rd pillar. Caveo’s simple guide.

"Retirement planning - a topic for when you're old". Although that may be true, now is the time to start taking care of it. This is the exact reason a 3rd pillar is absolutely worth paying into.

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Soll ich bei einer Bank oder Versicherung meine Säule 3a einzahlen?

Soll ich bei einer Bank oder Versicherung meine Säule 3a einzahlen?

Ob Bank oder Versicherung das entscheidet deine aktuelle Lebenslage. Keine Lust dein Wochenende mit googlen zu verbringen, dann vereinbare jetzt einen Termin mit uns.

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Dream house found: But how should I finance it?

Dream house found: But how should I finance it?

For many people, owning a home is an integral part of life planning and in most cases, a mortgage is required to be able to finance it.

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Proper pension advice and why it’s so crucial!

Proper pension advice and why it’s so crucial!

Which private pension is right for you depends entirely on your individual life situation. Do you have a family? Are you a single parent? Are you a cohabiting couple? Are you a homeowner or are you self-employed? All these factors can influence and determine your ideal pension solution. Together with us, you will find the right pension solution for you - rebelliously simple.

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Capital withdrawal when emigrating - Where to return the withholding tax

Capital withdrawal when emigrating - Where to return the withholding tax

At the time of retirement, one is often faced with the decision between pension or capital. Anyone who leaves Switzerland definitively at the time of retirement often chooses the capital option.

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The most important changes in withholding tax

The most important changes in withholding tax

These changes are valid from the tax year 2021. For the tax year 2020, the old provisions still apply.

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Man or machine - will both still be needed for the consulting of the future?

Man or machine - will both still be needed for the consulting of the future?

One thing is clear: pension or insurance consulting is economically and strategically an important component in the business model of today's financial service providers. However, the current form of consulting will not exist for much longer because it will be destroyed by the interaction of new consulting technologies with technologically enabled product diversity.

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Life insurance: Should I or shouldn’t I?

Life insurance: Should I or shouldn’t I?

When it comes to life insurance, the question is usually asked: do I really need one, or can't I just overtake the risk myself? If only it were that simple. Life insurances can namely be a great alternative seeing as they offer a long-term savings protection and, if needed, additional insurance risks, to cover you or your loved ones. Thanks to these components, they provide more confidence in the long-run versus standard saving solutions.

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Goodbye complicated claims - 3 tips on how to easily claim with an insurance.

Goodbye complicated claims - 3 tips on how to easily claim with an insurance.

As diverse as we humans are, so are claims. Every claim is different - but one thing always remains the same: reporting the claim to your own insurance company. For many customers, this can be stressful, amount in tedious paperwork and a lot of effort. But it doesn’t need to be! Here are our "3 tips on how to handle a claim easily".

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Why Home ownership & risk protection go hand in hand

Why Home ownership & risk protection go hand in hand

Buying property is a striking event, both financially and emotionally. With the long-term commitment to a location, new dependencies and risks arise. To ensure that home ownership remains a positive experience, it is important to anticipate and plan for changing life situations in good time, not only at the time of purchase but also in the years thereafter.

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