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SwissPensionAdvisors and NewOak have formed a partnership for the active management of occupational pension assets: 1st pillar plans, vested benefits structures, and other 2nd pillar provisions. The division of roles is clear: SwissPensionAdvisors structures, PENSEXPERT hosts, and NewOak manages. The core principle of this collaboration is to treat pension planning as an integral part of one's assets, rather than as a separate, managed compartment. For most senior executives,

1972: a report was drawn up by the private insurance companies, which remained ignored for fifty years. This document served as the basis for the three-pillar doctrine. The Swiss legislature adopted it verbatim. Pietro Boschetti, a journalist, tells this story in a book published in 2023. The Case of the Century, the 2nd Pillar and the Insurers (Alphil Publishing). This story raises a question that remains relevant today: Who decides how the returns of a pension fund are allo

A Lombard loan is an advance secured against your securities portfolio: it provides liquidity without selling the assets or interrupting their return. Its appeal rests on two conditions: a borrowing cost below the portfolio's expected return, and the tax-deductibility of the interest. Yet interest on private debt is deductible only up to the taxable yield of one's assets, plus 50,000 francs (art. 33 LIFD). When rates rise and that deduction narrows, the advantage fades. The b