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Do you have your finances under control? Our guide takes you step by step toward greater financial independence. The recommendations were developed in collaboration with finance expert Olga Miler from SmartPurse.
1. Get a clear overview of your financial situation: List your income, expenses, assets, and debts in detail, and create a budget and financial plan.
2. Set clear financial goals: Divide your money into four categories: emergency fund, short-term, medium-term, and long-term goals. Determine your investment potential and define a monthly amount to invest.
4. Organize your finances as a couple through regular money dates: Create financial transparency and security, discuss goals and responsibilities, and finalize necessary contracts or insurance if needed, such as those covering shared caregiving responsibilities.
5. Take charge of your retirement planning: Review your AHV account and pension fund statement, and close any potential gaps in your coverage. Contribute to your 3rd pillar account if possible and take advantage of the tax benefits.
6. Build your wealth through strategic investing: Create an ETF portfolio tailored to your risk profile. Invest surplus funds and your monthly investment amount regularly, and establish passive income streams, such as dividend stocks.
7. Protect yourself against worst-case scenarios: Check how well you’re covered in case of death or disability. Review your pension fund statement to understand the benefits available in case of incapacity. Consider taking out income protection or term life insurance, especially if you have dependents.
Discover valuable resources from Advance member companies and partner organizations that will help you stay financially independent. This is much easier than you might think! Take a look and click your way through! All educational assets are currently available in German. If you have any questions or feedback, please contact us by email.
Olga Miler and her team have made smart financial training accessible to everyone! With the FREE SmartPurse app, you can learn to invest, negotiate salaries, and plan for the future – without any subscription, advertising or obligations.
Your decisions shape your life – today, tomorrow, and beyond! That is why it is important to plan wisely and deliberately. Cash or Crash is here to support you with a new smart tool!
Investing is a great idea, but do you have enough funds to start? Find out with the interactive and smart budget tool on the ellexx app. The basic version is free! You will also find numerous informative articles on women and finance. By the way, it is worthwhile to start investing with small amounts. The compound interest effect always pays off.
Sandra-Stella Triebl from Ladies Drive teams up with four financial experts to stroll along Zurich’s Bahnhofstrasse and discuss advanced financial topics. Watch the videos and gain valuable insights into stocks, bonds, risk and return, and much more.
The occupational pension system in Switzerland is based on three pillars. Carmen and Jonas from the Swiss Pension Fund Association (ASIP) explain it briefly and crisply in three videos. Especially interesting for Gen Z and young people just starting their careers. Get fit for the Swiss pension system!
Generation Z – The 1st pillar of retirement provision
The gender income gap in Switzerland is alarmingly high, with women earning 43% less than men during their working lives. In the event of a career break, the earnings gap can amount to one million francs. In this whitepaper, which we developed in collaboration with KPMG, we get to the bottom of this inequality and highlight concrete solutions to close the income gap.
Click here to download: Whitepaper (DE)
Childcare in Switzerland is expensive. However, it makes it possible to achieve professional and personal goals - without the long-term financial disadvantages that come with working part-time at less than 80%.
At Advance, we focus on the crucial topic of “financial skills for women” in 2025. Of course, men are also very welcome! All online events are open to everyone. Take the opportunity to join live, ask your questions, and connect with experts and our community. Financial knowledge is make-or-break, not only for your career but also for your standard of living and the well-being of your loved ones - at every stage of life!
Fintech entrepreneur and finance expert Olga Miler, founder of SmartPurse and former top banker, shares insights on the hottest topics being discussed on finance blogs and trend radars – explained in a clear, accessible way with practical tips and advice for you.
6 February 2025, 18:00-19:00 in German, online
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