L’essentiel à retenir : Conseilia allie expertise financière (fiscalité, retraite, investissements) et accompagnement personnalisé pour résidents et frontaliers, notamment dans la région lémanique. Cette synergie assure une optimisation précise et une sérénité durable, garantissant transparence et éthique. Son approche 100% sur mesure, avec suivi long terme et régulier, répond aux
L’essentiel à retenir : Le partage du 3ème pilier dépend du régime matrimonial et du type de pilier (3a/3b). Sous le régime légal, le 3a acquis durant le mariage est partagé à 50 %, sauf s’il provient de biens propres. Contrairement au 3b, le 3a préserve sa fonction retraite après
L’essentiel à retenir : La gestion d’un compte-titres ordinaire (CTO) exige expertise fiscale (12,8 % d’impôt + 17,2 % prélèvements sociaux) et stratégies de diversification. Un partenaire expert comme Parfinance permet d’éviter les pièges, optimiser le rendement et sécuriser les investissements, tout en économisant du temps grâce à une approche
L’essentiel à retenir : Contrairement à un courtier comme Premonia qui propose des solutions standardisées, ConseillerFinancierGeneve offre une analyse patrimoniale globale. Cette approche 360°, spécialisée dans les spécificités suisses, permet une optimisation fiscale et une protection sur mesure pour résidents, frontaliers et entreprises, avec un suivi personnalisé sur le long
Key takeaway: The technical rate, set at 0.25% since 2017, guarantees a minimum return for pillar 3a insurance policies, ensuring capital security. Although it does not represent the final return thanks to surpluses, it remains crucial for savers seeking both stability and protection against risk.
To the point: the 2nd Pillar Central Office allows you to recover your forgotten LPP assets free of charge after job changes or leaving Switzerland. More than 3.5 billion francs are lying dormant in inactive accounts. This official platform centralizes the data of all institutions.
Key takeaway: Swiss cross-border workers in the 8 signatory cantons (Vaud, Neuchâtel, etc.) declare their income in France using form 2041-AS. In Geneva, tax is withheld at source, but a declaration is still required. The 40% remote work threshold changes the tax distribution. A clear understanding is essential.
In summary: successful future-oriented investing is based on your risk profile, targeted diversification, and active monitoring. Winvest-SC, with 1,300 clients, offers tailored ESG strategies (conservative, balanced, dynamic). The essentials: expertise, transparency, and flexibility to manage risks through independent advice and simulations.
The choice between Swiss LAMal and French CMU is crucial for cross-border workers. LAMal offers fixed premiums (annual deductible of 300 CHF and 10% co-payment) but covers each household member individually. CMU, based on taxable income, covers spouse and children at no additional cost.
ETFs offer instant diversification at low fees, ideal for global indices like the S&P 500. For French-resident cross-border workers, the PEA optimizes taxation through capital gains exemptions after 5 years with synthetic ETFs, bypassing geographic restrictions. A securities account (CTO) and life insurance complement this with tax advantages.
Is it possible to invest in real estate without the constraints of rental management or hidden fees? The Iroko Zen SCPI offers an innovative solution to diversify wealth in Europe with transparency and simplicity. Discover how this 100% digital investment with no subscription fees combines attractive returns with ease of access.
Feeling overwhelmed by the complexity of wealth management solutions in French-speaking Switzerland? Between private banks in Geneva, independent advisory firms, and digital innovations, choosing a reliable partner to safeguard your assets can often be a headache. This article breaks down the key challenges, players, and strategies.
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