News and insights · Assidu
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Legal and regulatory developments, new products and changes in the Swiss insurance and financial markets can have tangible consequences for organisations and individuals. Our specialists share news, technical explanations and practical advice.
Insurance · risk management · pension provision · pension planning · mortgage financing. Clear, objective and practical information on developments that may impact you.
Second and third pillars: what the Federal Council’s new ordinances change
More freedom over pillar 3a beneficiaries, and a 13th OASI pension that will not reduce second-pillar pensions: what the decisions of 12 June 2026 mean for your pension provision.
Read the articleSecond and third pillars: what the Federal Council’s new ordinances change
More freedom over pillar 3a beneficiaries, and a 13th OASI pension that will not reduce second-pillar pensions: what the decisions of 12 June 2026 mean for your pension provision.
The importance of supplementary accident insurance (UVG/LAA): protecting workers’ well-being and financial stability
Maximum insured earnings, gross negligence, long-term care: where mandatory UVG/LAA cover stops, supplementary insurance protects your employees and the stability of your company.
Occupational pensions: supplementary plans for managers and executives
Pension gaps, extra-mandatory plans, 1e plans: how to give your managers and executives pension provision that matches their role.
The strategic value of occupational pension provision: retaining staff and attracting new talent
A quality BVG/LPP plan has become a recruitment argument. From full insurance to semi-autonomous foundations: how to offer your employees real advantages.
Optimising your mortgage: why our expertise matters in today’s market
Shifting rates, uncertain monetary policy: what to know about the mortgage market and how a broker helps you secure the best terms.
Occupational pensions: tax treatment and advantages
Contributions, voluntary purchases, employer contribution reserves, pension or lump sum: how the second pillar reduces the tax burden for companies and employees.
Machinery insurance and machinery casco insurance
Installed or mobile machines, accident or breakdown: how to protect your machinery and choose the right policy.
Your BVG/LPP pension certificate: how to protect your future
Illness, accident, death, retirement: how to read your BVG/LPP pension certificate and spot the gaps in your cover.
Business life insurance: a strategic risk management tool
Partner, financial backer, key employee: how business life insurance protects your company’s continuity if a key person dies.
D&O insurance: essential protection for corporate governance
Board of directors, executive management, de facto officers: how a D&O policy protects directors’ personal assets and the stability of the company.
Tax-deductible purchases into pillar 3a
Since 2025, missed pillar 3a contributions can be made up and deducted from tax. Conditions, maximum amount, limits and procedure.
The tax advantages of Swiss pension provision
Second-pillar purchases, pillar 3a payments, 2025 limits and cross-border commuters: how much tax pension provision can save you, with worked examples.
Key figures 2025
OASI pensions, BVG/LPP entry threshold, pillar 3a limits: social insurance figures rise on 1 January 2025. All the figures at a glance.
Payroll declarations: update your contracts before 31 December
Provisional premium, final premium: updating your payroll totals before the end of the year avoids an additional invoice and stabilises your cash flow.
Ways to reduce the cost of your health insurance premium
Alternative model, deductible, comparing insurers, accident cover: the levers for paying less for compulsory health insurance, and the precautions to take.
Using the second or third pillar to buy a home
Conditions, timing, risks and opportunities: Régis Dubied, CEO of Assidu, discussed them on «La Consulenza» on RSI Rete Uno.
Occupational pensions – the 2024 BVG/LPP reform
Conversion rate, entry threshold, coordination deduction, retirement credits: what the 2nd pillar reform provided for, rejected at the polls on 22 September 2024.
The growing vulnerability of Swiss SMEs to cyber risks
Cyber incidents are doubling in Switzerland and SMEs are on the front line: assess your vulnerabilities first, then insure the residual risks.
Making the most of the three pillars of Swiss pension provision
Tied pension provision 3a, flexible pension provision 3b: how to combine tax advantages and flexibility to prepare for retirement.
Pension changes as of 1 January 2024
OASI 21, flexible retirement, VAT, BVG/LPP interest rate, disability insurance, supplementary benefits and health insurance: what changed on 1 January 2024.
Underinsurance? Better to manage it than suffer it!
A sum insured below the replacement value reduces compensation proportionally, even for partial damage. How to avoid it.
Lower taxation of life annuities from 1 January 2025
Pension or lump sum? From 2025, lighter taxation of life annuities changes how to plan your retirement.
Teleworking by cross-border commuters: tax and social security
End of the coronavirus arrangement: 40% teleworking allowed for tax, 25% for social security. What changes for France-Switzerland cross-border commuters.
Key figures 2023
OASI pensions, BVG/LPP entry threshold, pillar 3a limits: social insurance figures rise by 2.5% on 1 January 2023.
Revision of the AHV/AVS on 01.01.2024
The retirement age for women is gradually rising to 65. Timetable and compensatory measures for the transitional generation.
Revision of inheritance law as of 1 January 2023
Smaller compulsory portions, a larger disposable portion: the new law gives you more freedom in passing on your estate.
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- Your BVG/LPP pension certificate: how to protect your futurePrivate clients
- Tax-deductible purchases into pillar 3aPrivate clients
- The tax advantages of Swiss pension provisionPrivate clients
- Second and third pillars: what the Federal Council’s new ordinances changePrivate clients
- Occupational pensions: supplementary plans for managers and executivesCompanies