We are pleased to present the last Financial Outlook of the year, dated December 2025. With the upcoming holiday season, it is the ideal time to finalize your tax planning and reflect on a resilient year for global markets. We wish you an insightful and enjoyable read.
Key Topics of Today
Tax & Financial Planning:Tax Year 2025 - Your Essential Checklist for the Final Weeks.
Capital Markets:Global markets remain stable - Confidence prevails ahead of the new year.
Tax Year 2025: Your Final Checklist
The year 2025 is coming to an end, and with it, the window for tax decisions is closing. Acting now can directly reduce your tax burden for the current period. We recommend using these final weeks for targeted, often simple actions that can yield significant results.
Our Top Recommendations:
Pillar 3a Contributions: Ensure that your payments are processed by your bank before the year-end deadline to secure full deductions.
Voluntary Pension Contributions: Check if a voluntary contribution to your pension fund (Pillar 2) is possible to reduce taxable income.
Interest on debt & maintenance: Check if outstanding maintenance work on owner-occupied property or adjustments to interest on debt should be completed before January 1.
"Some strategic steps in December can make a noticeable difference in your tax bill next spring. Don't let the deadline pass without conducting a final review."
Global markets: Confidence prevails
November was a month marked by major headlines that moved the markets in both directions. Nevertheless, there was a significant increase as a solution for the US government shutdown came into view.
The prospect of political de-escalation triggered global relief:
Sector growth: Technology and industrial stocks led the rally.
Global indices: Benefited significantly from the improved sentiment.
European strength: Robust corporate earnings, particularly in the financial and industrial sectors, increased risk appetite in European markets.
As we approach the end of the year, market sentiment remains decidedly positive, supported by stabilizing geopolitical conditions and strong corporate fundamentals.
"The resolution of political uncertainty in the US has acted as a catalyst and provides a welcome tailwind for global portfolios as we enter the new year."
Our suggestions: Final steps for December
- Execute tax payments: Execute tax payments:Complete all tax-privileged investments (3a/Pillar 2) promptly to avoid delays in bank processing.
Portfolio rebalancing: Utilize current market strength to rebalance your portfolio and ensure that your asset allocation aligns with your risk profile for 2026.
Charitable deductions: Remember that charitable donations made before December 31 are tax-deductible; keep your receipts handy.
Schedule a meeting with our advisors
The last weeks of the year are often the busiest for financial planning. Whether you need a quick tax review or a comprehensive portfolio review before 2026, our experts are here to help.
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