At its meeting held in Bern on 12 June 2026, the Swiss Federal Council approved a series of amendments to two ordinances governing the third pillar and mandatory occupational pensions: OPO 2 (Occupational Pension Ordinance) and OPO 3 (Ordinance on Tied Individual Pension Provision, commonly known as Pillar 3a)....
The Federal Social Insurance Office (FSIO) has recently published the official statistics for the AHV (Old-Age and Survivors’ Insurance) and the IV (Disability Insurance) for 2025. Behind the figures lie clear trends that warrant careful reflection: our social security system is evidently under pressure due to various factors, and...
Every year, goods and capital worth approximately 50 billion CHF travel between Switzerland and Italy—an average of over 130 million per day. Alongside these physical flows, digital transactions via SWIFT, SEPA, and blockchain infrastructures are growing, making data protection a vital necessity. In this landscape, cybersecurity is the new...
For years, it has been the “ghost at the table” in the tax returns of Swiss homeowners. We are talking about imputed rental value, a tax on a fictitious income that is now heading toward a historic abolition. This reform represents a true revolution for homeowners. However, every medal...
Over the last ten years,the landscape of sickness-related absences in Switzerland has undergone a significant evolution, with direct repercussions on the market for daily allowance insurance (IPGM). A marked increase in workplace absences According to the latest data, absences for health reasons have grown significantly. Particularly noteworthy is the...
What is a D&O (Directors and Officers) insurance policy and what is it for? In Switzerland, as in every country in the world, administrators and executives make strategic decisions every day that may expose them to legal actions brought by shareholders, employees, authorities, or third parties. The D&O (Directors...
