In many Swiss SMEs and family-owned businesses, the entire operation depends on a single person—the owner or managing director. They know the customers, sign contracts, negotiate deals, approve payments, and make all key business decisions. But what happens if that central figure is suddenly unable to work due to illness, is hospitalised, or even passes away unexpectedly?

The new system for taxing owner-occupied residential property—without the imputed rental value and without the current tax deductions—is not expected to come into force before 2028. Many details have yet to be finalised. Here are five key questions to consider.

Thinking about buying a holiday home abroad? It's an exciting prospect—but not one to approach on impulse. Before purchasing a holiday property in another country, it is essential to carefully assess the tax implications.

If you work part-time, it is important to review your social insurance coverage. Lower contributions can lead to gaps in your pension, and employees with very small workloads are not fully covered for all risks by their employer.

If the owner and managing director suddenly becomes unable to work due to illness or death, a business can come to a standstill almost overnight. Careful contingency planning helps ensure that this does not happen.

On 28 September, Swiss voters approved the abolition of the imputed rental value for owner-occupied homes. As a result, the current tax deductions for maintenance and renovation work on owner-occupied residential property will eventually be abolished as well.

A well-designed employee handbook promotes transparency, legal certainty, and efficiency in the workplace. But what are the benefits of having one, and what should it include?

The tightened Swiss bankruptcy legislation, in force since 1 January 2025, introduces several important changes that are not yet widely known. Below are two practical pitfalls that businesses should be aware of.

More and more employees are voluntarily reducing their working hours. While the benefits of part-time work are often immediate, the long-term financial consequences tend to receive far less attention—especially at a younger age. In short: the less you contribute today, the less you will receive in retirement.

A cyberattack can have devastating consequences for any business. A well-prepared incident response plan helps your organisation react quickly and effectively when an attack occurs. This checklist outlines the most important steps to take.

Since 1 January 2025, insured persons in Switzerland have been able to make retroactive contributions to Pillar 3a to close contribution gaps. This new regulation provides an additional opportunity to strengthen personal retirement savings.

Demand is increasing, your products or services are selling well, and the business is growing. So far, so good. However, there is one common weak point: during periods of rapid growth, companies often lack either the awareness or the time to ensure that their organisation and business processes grow alongside the business.

The partially revised Swiss VAT Act (VATA), the revised VAT Ordinance (VATO), and several other important amendments came into force on 1 January 2025.

Artificial intelligence (AI) is widely regarded as one of the defining technologies of our time. Large companies are already making extensive use of it—but how can small and medium-sized enterprises (SMEs) leverage AI to their advantage?

Cybercrime is on the rise, affecting businesses of every size. Small and medium-sized enterprises (SMEs) are often particularly vulnerable, making stronger cybersecurity measures more important than ever.

Employee participation schemes can significantly increase motivation—but that's not their only benefit. Involving employees in the success and responsibility of the business can also support long-term growth, regardless of the company's size or legal structure.

The first phase of the AHV reform (AHV 21) came into effect on 1 January 2024. Among other things, it facilitates a more flexible transition from working life into retirement. Below is a summary of the resulting changes, along with a selection of other important updates.

The legislative revision and implementing provisions of the AHV 21 reform came into effect on 1 January 2024. One of the changes concerns the withdrawal of vested benefits (second pillar pension assets). Now is a good time to review your retirement planning.

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