OWNERSHIP
life in our society often takes place as follows: A
twenty years, we earn little and spend a lot. We want to enjoy life, travel, etc.. A
thirty years, we started a family, children are born and we need space. We must move. At this point it would be ideal to buy an apartment or a house ... But the means are lacking. Either because they did not think to save as a youngster, either because they could not afford to do so. In addition, women (sometimes men) is dedicated to the education of children and decreases or stops work, hence less income. Towards
forty-five years, the children are grown and want to be independent. The wife wishes to resume a professional activity. A promotion was able to increase revenues. It is therefore realistic to be able to buy an apartment or house. But we wanted to enjoy it before ...
twenty years, we earn little and spend a lot. We want to enjoy life, travel, etc.. A
thirty years, we started a family, children are born and we need space. We must move. At this point it would be ideal to buy an apartment or a house ... But the means are lacking. Either because they did not think to save as a youngster, either because they could not afford to do so. In addition, women (sometimes men) is dedicated to the education of children and decreases or stops work, hence less income. Towards
forty-five years, the children are grown and want to be independent. The wife wishes to resume a professional activity. A promotion was able to increase revenues. It is therefore realistic to be able to buy an apartment or house. But we wanted to enjoy it before ...
It is therefore very important to identify its objectives as soon as possible and ask the following questions:
is what I want to own?
when?
with what means?
what should I do to afford it?
is what I want to own?
when?
with what means?
what should I do to afford it?
Once these objectives, we must study how to achieve them. Most new owners do not have enough money to buy an apartment or a villa by paying the entire purchase. We can borrow from a bank, insurance or his pension fund (second pillar). It should nevertheless be generally 20% equity to a minimum. We can build capital through money in a bank account in the medium term which unfortunately hardly compensates for the increased cost of living (int. 1.00 to 1.50%-withholding tax) or by purchasing a life insurance or other a third pillar fund-linked investments.
All life insurance companies guarantee a minimum interest (2%) by cons, few have put your money into stocks and bonds, let alone you restore all of your shares through the capital guarantee at maturity. The products I offer and meet the above conditions are products have in shares, the average yield from the last eight years is more than 5% (3 years - 4%), while most other products have shares in the Swiss market offer a product surpluses whose average yield is equal to 3.25%.
The purpose of savings is:
Establish a capital with a free life insurance (3) or bound (3b). During a period agreed by contract.
For life insurance free, we can available at all times of its capital.
For insurance linked life, we can dispose of his capital from five years before the age of the AVS. However, we can have at any time:
to buy a house or apartment as a primary residence to pay off a mortgage
in other cases provided by law.
to buy a house or apartment as a primary residence to pay off a mortgage
in other cases provided by law.
Deadline
capital guaranteed termination, plus any surplus (profit sharing).
capital guaranteed termination, plus any surplus (profit sharing).
Taxes
'bonuses linked life insurance (called third pillar) are deductible from earned income:
with pension fund deduction limit 6,365 .-
francs a year without a pension fund, 20% of account balance "write off", but maximum deductible 31'824 .- francs per year.
The payment of principal of a third pillar is taxable in accordance with cantonal and federal authorities.
free For life insurance (3rd pillar B) premiums are not deductible unless the income package (eg, Canton FR, GE) and the payment of principal at maturity is not taxed.
with pension fund deduction limit 6,365 .-
francs a year without a pension fund, 20% of account balance "write off", but maximum deductible 31'824 .- francs per year.
The payment of principal of a third pillar is taxable in accordance with cantonal and federal authorities.
free For life insurance (3rd pillar B) premiums are not deductible unless the income package (eg, Canton FR, GE) and the payment of principal at maturity is not taxed.
By cons, it will, sometimes heavily, in case of death, except to call me at 079,279 in February 1941 so I can show you the best solution to help prevent this from happening!
Protection
Protection
In case of death of the person insured, a death benefit is paid. There are different possible yields and blankets. Ask before doing anything , you'll be glad. I am available from 1:00 p.m. to 9:00 p.m. Monday and Tuesday to Friday from 9:00 a.m. to 9:00 p.m. at 079 957 0664 for additional information FREE and without obligation.
