Introduction + Anything Missing for RE?

I lived through similar anxiety and solved it by moving from working full time to now working part time and experiencing living partially off my savings with a safety net of still some steady income.

Regarding the AHV payments for Nichterwerbstätige see here: 2.03.d (

Regarding VIAC versus Finpension: I would check with them how they handle the bond portion of your Freizügigkeitskonto. At the time I moved my previous employer’s pillar 2 into both VIAC and Finpension, VIAC held the bond portion of my portfolio in pure cash (sic!) at the WIR Bank. This meant that if they were to go belly-up, my cash would be guaranteed only up to the 100k …
Maybe this is different now as CHF bonds pay interest again.

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