Swiss personal finance.
Rigorously analyzed.
In-depth analysis and interactive models on Pillar 3a, pension funds, mortgages, ETFs, and tax optimization in Switzerland. Delivered to your inbox every Sunday.
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What you'll find here
Data-driven analysis
No surface-level advice. Every recommendation is backed by transparent calculations, current data, and Swiss regulation.
Interactive models
Comparison tools and optimization calculators you can run yourself — for Pillar 3a providers, pension fund buy-ins, mortgages, and more.
Independent and transparent
No hidden commissions. Recommendations we'd give to family and close friends. Trust is built through consistency, not marketing claims.
Topics we cover in depth
— Pillar 3a providers compared
— Pension fund buy-ins (Pensionskasse-Einkauf)
— SARON vs. fixed-rate mortgages
— ETF investing for Swiss residents
— Tax optimization across federal, cantonal, and communal levels
— Indirect amortization strategies
— Early pension fund withdrawal
— Withholding tax (Quellensteuer) for foreign nationals
— Employee stock options and RSUs in Switzerland
— Wealth tax planning across cantons
— Mortgage refinancing in Switzerland
— US persons in Switzerland (FATCA, PFIC rules)
Who is behind this
Pillar Zero is written by a Swiss Finance Master’s student. The goal is to explain Swiss personal finance the way it actually works, without marketing simplifications and without sales pressure.
The content is written for people who want to understand and optimize their finances seriously. It is financial education, not investment or tax advice.
The Swiss finance newsletter
you'll actually read.
One thoroughly researched analysis on Swiss personal finance, every Sunday. Free. Straight to your inbox.
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Swiss personal finance.
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Pillar Zero does not provide individual investment, tax, or legal advice. All content is for general educational purposes only.