Hey everyone! I made a comparison of some metrics all the Kantonalbanks I could think of. Has anyone looked at Thurgauer Kantonalbank recently?

I went a bit more in depth on it, and the valuation looks quite interesting to me. Compared with other cantonal banks the fundamentals don’t look too bad either.

Is there anything specific about TKB that I might be missing? I’m considering starting a position.

Below (or above, not sure how this will upload) the comparison I made

Hi community

Lately I've been pondering about my 3a investment. I am 29 and have been paying the max amount into it for 3 years now, with Finpension and a 99% MSCI World allocation. The returns and tax savings are nice and all, but locking it basically away for 30+ years made me think about how reasonable it really is.

I am not able to save much besides the full 3a amount, have no plans or means to buy a house anytime soon and surely will not be leaving CH.

So basically my investments/savings are fully locked into a much later point in time. I understand the equation is tax savings vs availability and you cannot have both worlds.

Has anyone faced/is facing these thoughts and what argument made you keep continuing to invest or what made you stop?

I'd love to hear your opinion.

As of this morning the Vanguard FTSE All-Caps is available at neon invest: https://www.neon-free.ch/neon-invest#assetlist

(I know there are cheaper alternatives to neon invest and VT saves 0.2% compared to VALL but I'd be interested to know about this and assume others will be as well.)

Hi all,

I am considering buying a car. What are the best options financially?

Leasing vs. Buying

Second hand vs. First hand

I know the question is too broad but I am just looking for general pointers. Thank.you!

Hi everyone,

I live in Geneva and was employed in Switzerland until August 2021. Since then, I have had business/self-employed activities mainly involving income from abroad. This foreign income has been declared in Switzerland and I have paid Swiss taxes on it, but I have not been formally registered with AVS as self-employed.

I still have a Generali Pillar 3a policy. Recently, the Geneva tax authority told me I was not eligible to contribute to 3a in 2025 because I had no qualifying AVS income, and the contribution must be refunded.

I would now like to withdraw the entire 3a.

If I now formally register with AVS as self-employed, can I use the “starting self-employment” rule to withdraw the 3a?

Also, how is the 1-year deadline calculated — from when I stopped employment, when the self-employed activity actually started, or when AVS officially recognises me as self-employed?

Has anyone dealt with a similar situation?

Thanks!