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Impôts

Déclaration d’impôt Vaud Taxation ordinaire ultérieure Vaud Déclaration d’impôt Genève Taxation ordinaire ultérieure Genève Déclaration d’impôt Valais

Retraite

Retrait du 2ème pilier

Investissement

Immobilier

Étude et création du dossier hypothécaire Simulation de l’impact économique et fiscal d’un achat Investissement immobilier

Assurance maladie

Assurances choses

Frontaliers

Statut Quasi-résident à Genève

Documents utiles

Simulateurs

Calculer votre solvabilité

Calculer vos impôts

Documents utiles

OFFRES

3ème pilier

Assurance ménage

RC privée

RC Ménage

Protection juridique

Assurance Véhicule

Assurance obligatoire et complémentaire

Documents

À propos

Blog

Documents

Freelancer

Taxes

Tax return in Vaud Subsequent ordinary taxation in Vaud Tax return in Geneva Subsequent ordinary taxation in Geneva Tax return in Valais

Retirement

Withdrawal of the 2nd pillar

Investments

Real Estate

Analyse, build and support your mortgage file Simulate the impact of a real estate acquisition Invest in real estate

Health insurance

Property insurance

Frontalier

Quasi-resident status in Geneva

Documents

Simulators

Calculate your real estate solvency

Calculate your taxes

Documents

OFFERS

3ème pilier

Assurance ménage

RC privée

RC Ménage

Protection juridique

Assurance Véhicule

Assurance obligatoire et complémentaire

Documents

About us

Blog

Documents


FBKConseils
  • Services
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  • About us
  • Blog
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  • Services
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  • About us
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  • Fill your tax return
  • Make an appointment
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  • EN
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    • EN

Blog

 
  • Freelancer
  • Investment
  • Pension planning
  • Real Estate
  • Taxation
  • Health insurance
  • Property insurance
  • Frontalier

Freelancer

Steps to becoming freelancer
  • Becoming a freelancer: Procedures, operation and taxation
  • Entrepreneurship: Becoming freelancer or Starting your own company?
Retirement for freelancer
  • How does retirement work for the self-employed? AVS, LPP and 3rd pillar
  • Withdrawing your 2nd Pillar to become self-employed: The complete guide
Accounting and taxation
  • How does accounting and taxation work for the self-employed?
  • Self-Employed and Businesses: How does VAT work in Switzerland?

Investment

Overview of the Swiss banking industry
  • What are the different banks in Switzerland and how to choose one?
  • How to choose your bank account?
Direct investment: shares, bonds and real estate
  • What is a share? And why should I buy some?
  • What is a bond and why buy some?
  • What are the arguments for investing in real estate?
  • What is direct investment?
Indirect investment: Investment funds and ETFs
  • What is an investment fund?
  • What is an ETF? And how many exist?
  • What is a real estate fund?
  • What is an equity fund?
  • What is a mixed investment fund?
  • What is a bond fund?
  • What are returns? How to measure them?
  • Our guide to better understand fund factsheets
Your investor profile
  • What kind of investor are you?

Pension planning

The 1st pillar (AHV/OASI)
AVS pension
  • How much will my AVS (AHV) pension be?
  • From which age will AVS pensions be paid in 2025?
  • How to secure a full AVS (AHV) pension for your retirement?
  • How to secure a maximal retirement pension?
  • How does the first pillar work and who finances it?
AHV/AVS contributions
  • AVS(AHV) contributions for employed persons
  • How much will you contribute to AVS (AHV) as a person without gainful activity?
The story of AVS and its mechanics
  • History time: Introduction to the Swiss first pillar
The 2nd pillar : BVG
A couple of definitions related to the 2nd pillar
  • Pension Scheme – How does the 2nd pilar (LPP) work in Switzerland ?
  • What is a pension fund?
  • A vested benefits account, what is that?
Contributions and LPP certificate
  • What will be your second pillar contribution (LPP/BVG)?
  • How to read your LPP certificate?
2nd pillar withdrawal
  • Withdrawing the LPP: as a pension or as capital?
  • What tax will you pay when withdrawing your 2nd pillar in Switzerland?
Risk coverage from the 2nd pillar
  • In case of disability, what will happen to my second pillar?
  • In the event of a divorce, what will happen to my second pillar (LPP)?
  • In case of death, what will happen to my second pillar (LPP)?
2nd pillar repurchases
  • Repurchasing the second pillar: less taxes, more assets (the full guide)
The 3rd pillar
The 3rd pillar and its solutions
  • Pillar 3A at the bank or with an insurance, what is the best choice?
  • Why is it advantageous to have several pillar 3A accounts?
  • What is the pillar 3B and how to choose it?
  • What is a third pillar and how to choose between a 3A or a 3B?
  • How can I make the most of my retirement in Switzerland?
Reclaiming your 3rd pillar
  • When and how to withdraw the pillar 3A?
  • How much taxes will you have to pay if you withdraw your pillar 3A?
Taxation of the 3rd pillar
  • How much can we save in taxes thanks to the pillar 3?
  • Buybacks in the Swiss 3rd Pillar A from 2025: How does it work?
3rd pillar contributions
  • Up to how much can I save to my pillar 3A?

Real Estate

Why buying a real estate property?
  • How did becoming an owner make you save money?
  • Real estate: Fiscal value, rental value and maintenance costs
  • Swiss mortgage rates of 2024-2025
  • Investing in real estate, still a good idea in 2025?
  • Tax and foreign real estate
The skeleton of a mortgage
  • Financing my real estate purchase in 2025 : individual funds
  • Financing my real estate purchase: what is my mortgage loan made up of?
  • What is a real estate amortisation?
How does solvency work?
  • Real Estate: How much can I borrow in 2025?
  • Financing your mortgage thanks to your pillar 3A
Financing your property with your 2nd pillar
  • The EPL withdrawal – Or withdraw your 2nd pillar to buy your home in 2025
  • The pledge of your 2nd pillar assets

Taxation

Taxation in the canton of Vaud
  • Understanding the calculation of the taxable income in Switzerland
  • Understanding wealth tax in the canton of Vaud
  • Understanding your income taxes in the canton of Vaud
  • The main 15 tax deductions in the canton of Vaud for 2024
  • How to declare your foreign real estate?
  • How will marriage affect your taxes in the canton of Vaud?
  • How can I maximise my tax savings in the canton of Vaud?
Taxation in the canton of Geneva
  • Understanding income tax in the canton of Geneva
  • How to calculate wealth taxes in Geneva?
  • The 10 tax deductions to claim in 2024 in Geneva
  • How to declare your foreign real estate?
  • How will marriage affect your taxes in Geneva?
  • How can I maximise my tax savings in Geneva?
Taxes in the canton of Valais
  • Understanding cantonal income taxes in Valais
  • Communal income taxes in Valais
  • Understanding wealth tax in Valais
  • 13 tax deductions in the canton of Valais for 2024
  • How to declare your foreign real estate?
Taxation for foreigners
  • Withholding tax in Switzerland
  • Subsequent Ordinary Taxation (TOU) in Switzerland for individuals subject to withholding tax
  • Cross-border worker: The quasi-resident status in Geneva
  • How to declare your foreign real estate?
Direct federal tax and cantonal specificities
  • Swiss Tax – Everything you need to know about the federal direct tax (FDT)
  • Taxes in Switzerland – How your canton of residence affects your tax burden?
Taxes on investments
  • Taxes and investment funds : How will your investments in funds/ETFs be taxed?
  • Taxes and real estate: How are rents, value and gains taxed when you sell your property?
  • Taxes on investments: How are your shares and their returns taxed?
Tax returns and instalments (acomptes)
  • Tax return: the key steps from withholding tax to tax assessment
  • The complete guide to Swiss tax returns
  • Tax and advance payments (acomptes): When and how do you define your instalments?
  • How to understand your salary certificate perfectly?
  • Understand your payslips perfectly

Health insurance

Compulsory Health Insurance (LAMal)
  • Can an insurance refuse us as a client?
  • What is this LAMal, the mandatory health insurance?
  • Who is obliged to subscribe to the basic health insurance (LAMal)
  • How much does the LAMal cost and how to choose one’s health insurance?
  • How does the LAMal work and who pays for what?
  • The gaps in mandatory healthcare insurance
  • What does the mandatory healthcare insurance cover?
  • Termination and change of health insurance
Supplementary health insurance
  • What are supplementary insurances?

Property insurance

Civil liability insurance
  • The private CL: the insurance that will save you some trouble!
The household insurance
  • What is household insurance?
  • Household insurance: Understanding the risk of over- and under-insurance
Vehicle insurance
  • Vehicle insurance in Switzerland: Civil liability, partial or full cover?
Private and traffic legal protection
  • Legal expenses insurance: Private, road traffic or both?

Frontalier

Health Insurance: The CMU
  • Frontalier CMU: functioning, cover and cost
  • Frontalier CMU: calculate your premium precisely
Heath Insurance: The LAMal
  • How much exactly does the Health Insurance Act of Switzerland (LAMal) cost?
  • LAMal for frontaliers : functionning, cover and costs
Retirement for frontier workers
  • LPP withdraw and taxes when moving abroad
  • The pillar 3A as a frontalier : is it a good or bad thing?
  • The tax on 2nd and 3rd pillars withdrawals to move to France

Steps to becoming freelancer
  • Becoming a freelancer: Procedures, operation and taxation
  • Entrepreneurship: Becoming freelancer or Starting your own company?
Retirement for the freelancer
  • How does retirement work for the self-employed? AVS, LPP and 3rd pillar
  • Withdrawing your 2nd Pillar to become self-employed: The complete guide
Accounting and taxation
  • How does accounting and taxation work for the self-employed?
  • Self-Employed and Businesses: How does VAT work in Switzerland?

Overview of the Swiss banking industry
  • What are the different banks in Switzerland and how to choose one?
  • How to choose your bank account?
Direct investment: shares, bonds and real estate
  • What is a share? And why should I buy some?
  • What is a bond and why buy some?
  • What are the arguments for investing in real estate?
  • What is direct investment?
Indirect investment: Investment funds and ETFs
  • What is an investment fund?
  • What is an ETF? And how many exist?
  • What is a real estate fund?
  • What is an equity fund?
  • What is a mixed investment fund?
  • What is a bond fund?
  • What are returns? How to measure them?
  • Our guide to better understand fund factsheets
Your investor profile
  • What kind of investor are you?

The 1st pillar (AHV/OASI)
AVS pension
  • How much will my AVS (AHV) pension be?
  • From which age will AVS pensions be paid in 2025?
  • How to secure a full AVS (AHV) pension for your retirement?
  • How to secure a maximal retirement pension?
  • How does the first pillar work and who finances it?
AHV/AVS contributions
  • AVS(AHV) contributions for employed persons
  • How much will you contribute to AVS (AHV) as a person without gainful activity?
The story of AVS and its mechanics
  • History time: Introduction to the Swiss first pillar
The 2nd pillar : BVG
A couple of definitions related to the 2nd pillar
  • Pension Scheme – How does the 2nd pilar (LPP) work in Switzerland ?
  • What is a pension fund?
  • A vested benefits account, what is that?
Contributions and LPP certificate
  • What will be your second pillar contribution (LPP/BVG)?
  • How to read your LPP certificate?
2nd pillar withdrawal
  • Withdrawing the LPP: as a pension or as capital?
  • What tax will you pay when withdrawing your 2nd pillar in Switzerland?
Risk coverage from the 2nd pillar
  • In case of disability, what will happen to my second pillar?
  • In the event of a divorce, what will happen to my second pillar (LPP)?
  • In case of death, what will happen to my second pillar (LPP)?
2nd pillar repurchases
  • Repurchasing the second pillar: less taxes, more assets (the full guide)
The 3rd pillar
The 3rd pillar and its solutions
  • Pillar 3A at the bank or with an insurance, what is the best choice?
  • Why is it advantageous to have several pillar 3A accounts?
  • What is the pillar 3B and how to choose it?
  • What is a third pillar and how to choose between a 3A or a 3B?
  • How can I make the most of my retirement in Switzerland?
Reclaiming your 3rd pillar
  • When and how to withdraw the pillar 3A?
  • How much taxes will you have to pay if you withdraw your pillar 3A?
Taxation of the 3rd pillar
  • How much can we save in taxes thanks to the pillar 3?
  • Buybacks in the Swiss 3rd Pillar A from 2025: How does it work?
3rd pillar contributions
  • Up to how much can I save to my pillar 3A?

Why buying a real estate property?
  • How did becoming an owner make you save money?
  • Real estate: Fiscal value, rental value and maintenance costs
  • Swiss mortgage rates of 2024-2025
  • Investing in real estate, still a good idea in 2025?
  • Tax and foreign real estate
The skeleton of a mortgage
  • Financing my real estate purchase in 2025 : individual funds
  • Financing my real estate purchase: what is my mortgage loan made up of?
  • What is a real estate amortisation?
How does solvency work?
  • Real Estate: How much can I borrow in 2025?
  • Financing your mortgage thanks to your pillar 3A
Financing your property with your 2nd pillar
  • The EPL withdrawal – Or withdraw your 2nd pillar to buy your home in 2025
  • The pledge of your 2nd pillar assets

Taxation in the canton of Vaud
  • Understanding the calculation of the taxable income in Switzerland
  • Understanding wealth tax in the canton of Vaud
  • Understanding your income taxes in the canton of Vaud
  • The main 15 tax deductions in the canton of Vaud for 2024
  • How to declare your foreign real estate?
  • How will marriage affect your taxes in the canton of Vaud?
  • How can I maximise my tax savings in the canton of Vaud?
Taxation in the canton of Geneva
  • Understanding income tax in the canton of Geneva
  • How to calculate wealth taxes in Geneva?
  • The 10 tax deductions to claim in 2024 in Geneva
  • How to declare your foreign real estate?
  • How will marriage affect your taxes in Geneva?
  • How can I maximise my tax savings in Geneva?
Taxes in the canton of Valais
  • Understanding cantonal income taxes in Valais
  • Communal income taxes in Valais
  • Understanding wealth tax in Valais
  • 13 tax deductions in the canton of Valais for 2024
  • How to declare your foreign real estate?
Taxation for foreigners
  • Withholding tax in Switzerland
  • Subsequent Ordinary Taxation (TOU) in Switzerland for individuals subject to withholding tax
  • Cross-border worker: The quasi-resident status in Geneva
  • How to declare your foreign real estate?
Direct federal tax and cantonal specificities
  • Swiss Tax – Everything you need to know about the federal direct tax (FDT)
  • Taxes in Switzerland – How your canton of residence affects your tax burden?
Taxes on investments
  • Taxes and investment funds : How will your investments in funds/ETFs be taxed?
  • Taxes and real estate: How are rents, value and gains taxed when you sell your property?
  • Taxes on investments: How are your shares and their returns taxed?
Tax returns and instalments (acomptes)
  • Tax return: the key steps from withholding tax to tax assessment
  • The complete guide to Swiss tax returns
  • Tax and advance payments (acomptes): When and how do you define your instalments?
  • How to understand your salary certificate perfectly?
  • Understand your payslips perfectly

Compulsory Health Insurance (LAMal)
  • Can an insurance refuse us as a client?
  • What is this LAMal, the mandatory health insurance?
  • Who is obliged to subscribe to the basic health insurance (LAMal)
  • How much does the LAMal cost and how to choose one’s health insurance?
  • How does the LAMal work and who pays for what?
  • The gaps in mandatory healthcare insurance
  • What does the mandatory healthcare insurance cover?
  • Termination and change of health insurance
Supplementary health insurance
  • What are supplementary insurances?

Civil liability insurance
  • The private CL: the insurance that will save you some trouble!
The household insurance
  • What is household insurance?
  • Household insurance: Understanding the risk of over- and under-insurance
Vehicle insurance
  • Vehicle insurance in Switzerland: Civil liability, partial or full cover?
Private and traffic legal protection
  • Legal expenses insurance: Private, road traffic or both?

Health Insurance: The CMU
  • Frontalier CMU: functioning, cover and cost
  • Frontalier CMU: calculate your premium precisely
Heath Insurance: The LAMal
  • How much exactly does the Health Insurance Act of Switzerland (LAMal) cost?
  • LAMal for frontaliers : functionning, cover and costs
Retirement for frontier workers
  • LPP withdraw and taxes when moving abroad
  • The pillar 3A as a frontalier : is it a good or bad thing?
  • The tax on 2nd and 3rd pillars withdrawals to move to France

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FBK Conseils is an insurance intermediary registered in the FINMA register under number: 35094

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©2025 FBKCONSEILS TOUS DROITS RÉSERVÉS.
  • Services
    • Freelancer
    • Taxes
    • Tax return in Vaud
    • Subsequent ordinary taxation in Vaud
    • Tax return in Geneva
    • Subsequent ordinary taxation in Geneva
    • Tax return in Valais
    • Retirement
    • Withdrawal of the 2nd pillar
    • Investments
    • Real Estate
    • Analyse, build and support your mortgage file
    • Simulate the impact of a real estate acquisition
    • Invest in real estate
    • Health insurance
    • Property insurance
    • Frontalier
    • Quasi-resident status in Geneva
    • Documents
  • Simulators
    • Calculate your solvency
    • Calculate your taxes
  • About us
  • Blog
  • Contact
  • Fill your tax return
  • Make an appointment
  • FR
  • EN