SFM INSIGHTS
SFM Blog
Short, actionable guides — taxes, insurance, investing, AI — written for Swiss reality.
TAXATION · 4 min
How to save CHF 3'420 in tax in 2025 with pillar 3a
Pillar 3a is the most powerful deduction in Swiss taxation. Many working people never use it in full. Here is how to stop leaving money on the table.
READ THE ARTICLEINVESTING · 3 min
ETFs vs investment funds: what your bank does not tell you
The fees on actively managed funds can cost tens of thousands of francs over 20 years. A factual comparison to help you choose.
INSURANCE · 3 min
5 health-insurance mistakes most Swiss residents still make
Deductible set too low, the wrong model, overlapping supplementary cover — mistakes that cost between CHF 800 and 2'400 a year.
AI & DIGITAL · 5 min
Automating 5 hours of work a week with ChatGPT in 2026
Which tasks to hand to AI, and which to keep. A practical guide for working professionals in Switzerland.
PENSION PLANNING · 4 min
LPP buy-in: the most powerful tax deduction after pillar 3a
Closing your LPP gaps is 100% deductible from taxable income — often several thousand francs less tax. Provided you avoid three traps.
BUDGET · 4 min
Budgeting in Switzerland: the simple method that actually lasts
Most budgets fail within three weeks. The SFM method fits the split to Swiss costs and automates the essentials on payday.
INVESTING · 4 min
Investing CHF 200 a month: what it really gives over 10, 20 and 30 years
You do not need a large capital to start. With CHF 200 a month and consistency, compound interest does the work — here are the figures.
REAL ESTATE · 5 min
Buying or renting in Switzerland: the calculation nobody does
Buying does not always win, and renting is not "throwing money away". The full calculation, banking rules included.
EBOOK GRATUIT
Va plus loin que cet article : reçois l'ebook SFM en PDF
La méthode complète — finances, carrière, habitudes — adaptée à la réalité suisse. Entre ton email, il arrive immédiatement.
These articles are extracts from the SFM method. For the complete, step-by-step version — discover the SFM Academy learning paths.