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The purpose of new beginnings is basically to lay solid foundations. However, there are many challenges awaiting those who have moved and are new to Switzerland: Where will I live? Where will my children go to school? How do I organise the move? Which insurances will I need? With which bank will I open my accounts? How shall I organise the financial side?
Monetary policy and interest rates are constantly changing, influenced by economic developments, currency movements, and decisions by leading central banks. In Switzerland, monetary policy is also shaped by global factors and the development of the Swiss franc. Especially in a volatile interest rate environment, it is crucial to choose a long-term financing solution that fits your needs. In addition to selecting the term and financing model, tax considerations play a central role, particularly the relationship between imputed rental value and mortgage interest burden. The choice of amortization method – direct or indirect via the third pillar – can also provide both financial and tax advantages. A well-thought-out mortgage strategy helps to avoid unnecessary risks and make the most of individual potential.
To optimally finance your home, we provide comprehensive and independent advice in the following areas:
Residence and settlement permits
We guide you through all matters related to residence rights and provide support in your interactions with authorities.
Housing (Rental or Purchase)
We help you determine which type of housing best suits your financial situation and personal needs.
Medical Care
We help you find the right access to the healthcare system and ensure you receive optimal medical care.
Schools for Children
We assist you in choosing a suitable educational institution, whether public or private.
Choice of Legal Form for Legal Entities
We advise you on selecting the optimal legal form for your company or asset structure.
Budget and Liquidity Planning
We provide transparency regarding your financial situation and optimize your ongoing liquidity.
Wealth Accumulation and Wealth Expansion
We develop an individual investment strategy for sustainable growth and security.
Independent Portfolio and Securities Analysis of Existing Investments
We provide an objective analysis of your existing investments and identify opportunities for improvement.
Protective Coverage for Disability, Incapacity and Death
We review your coverage and ensure that you are fully protected.
Tax Matters and Optimization
We identify potential savings and assist you in achieving tax-efficient planning.
Training and Continuing Education Opportunities
We advise you on strategic continuing education and assist you in selecting suitable programs.
Inheritance and Estate Planning
We provide guidance on strategic professional development and assist you in selecting the most suitable programs.
As holistic yet fully independent advisors, we accompany you from the very beginning. VPZ offers you straightforward, tailor-made support designed to meet your individual needs.
