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We provide insight and advice on business-related topics such as accounting practices and tax optimization. Our specialists share their experiences and solutions to financial and business challenges.

Taxes
The fire department replacement levy
In Switzerland, citizens who do not perform firefighting service must pay a firefighting replacement levy, which varies in amount by canton. Individuals aged 20-50 are generally obligated to perform firefighting service or, instead, pay a financial levy along with their taxes.
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Insurance
Health insurance premiums: Saving tips for a healthy wallet
Switzerland is struggling with rising health insurance premiums due to increased healthcare costs. Saving tips such as comparing rates, reviewing insurance models, and adjusting the deductible can help reduce costs.
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Taxes
Home office and taxes: What you need to know
Home office compensation is taxable if the employer provides a workplace; without a provided workplace, it is considered tax-free expense reimbursement. Business expenses such as room costs and travel expenses for the home office are tax-deductible under certain conditions.
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Finance
Direct vs. Indirect Amortization of Mortgages
In Switzerland, the acquisition of residential property is usually financed through a mortgage, with both direct and indirect amortization options available. These repayment methods differ in financial impacts and pension scheme integration.
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Pension
Early Retirement vs. Regular Retirement: What You Should Know
Early retirement in Switzerland means pension cuts, which vary depending on the pillar of provision and the duration of the advance withdrawal. With early retirement, you must carry out careful pension planning in order to minimize financial losses.
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Accounting
Utilizable and transferable non-cash contributions
In Switzerland, corporations can be financed through cash contributions or contributions in kind, with the latter needing to meet certain requirements such as balance sheet eligibility. Contributions in kind require additional founding documents and checks, but can bring valuable assets into the company.
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Finance
Here's what you should pay attention to when lending money to an acquaintance.
Before lending money, clear written agreements regarding the amount, interest, and repayment terms should be made to avoid misunderstandings. A detailed loan agreement secures the financial transaction and the tax obligations.
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Taxes
The taxation of employee participation in Switzerland
Companies offer participation models such as stock packages and options to promote employee retention and loyalty. These participations are subject to specific tax regulations, which depend on the type and availability of the shares.
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Legal
Hiring household help in Switzerland: What you need to know
As an employer in Switzerland, you must insure your domestic help and register them with the compensation office. In addition, monthly payroll statements and annual salary certificates are required.
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