La réforme des prestations complémentaires (PC) entre en vigueur au 1er janvier 2021. Avec l’introduction du maintien facultatif de l’assurance selon l’art. 47a LPP, elle a également une influence sur la prévoyance professionnelle. Mais que signifie cette réforme pour les assurés ?

Mortgage debt owed by Swiss homeowners is high in comparison with other countries, and in many cases, they don't fully pay it off.

Current OASI (old age and survivors' insurance) legislation stipulates that bonus points for educational activities can be taken into account when calculating benefits. These bonus points are not given in the form of cash payments, but in the form of "fictitious" revenue that is only taken into account at the time when the benefits are calculated. The result is that persons with dependents under the age of 16 can potentially receive higher benefits.

Cautionnement - Qui crée une nouvelle entreprise doit souvent chercher avant d'obtenir le financement approprié. A l'avenir, les PME bénéficieront d'un encouragement plus appuyé. En effet, depuis le 1er juillet 2019, des cautionnements d''un montant maximal atteignant un million de francs peuvent être octroyés pour les créations, développements et transmissions d'entreprises.

On August 20, the Economic Committee of the Council of States defined the following key points:

Rental value will be eliminated for primary residences. Secondary residences will not be affected by this policy change out of consideration for the mountain cantons who fear a significant loss in tax receipts.

What will the social impact be of the rise of a new technological era, of which we are only feeling the very first tremors? How do we keep whole sectors of society from falling down economically?