We are pleased to present the first FinanzBlick of the year, dated January 2026. As we enter a new chapter, we reflect on the successes of 2025 and lay out a clear, stable roadmap for the coming months. We hope you enjoy this comprehensive outlook.
Key topics of today
Taxes & Financial Planning: Pension 2026 - Know and understand the new figures.
Capital Markets:
Review 2025: A strong year with broad recovery across all asset classes.
Outlook 2026: Stability under pressure - aligning the excitement of AI with geopolitical reality.
Pension 2026: Understanding the new figures
The new year has arrived, and as in every January, the new figures for the AHV (OASI) and pension funds for 2026 have come into effect. You will soon receive your new pension fund benefit statement, which may contain updated parameters. Staying informed is the first step to a secure retirement.
The key figures at a glance:
AHV/IV pensions: Adjustment of maximum and minimum pension rates.
Occupational pension (LPP/BVG): Updated deduction for coordination and entry thresholds.
Pillar 3a limits: New maximum tax-deductible contribution amounts for 2026.
"Your pension statement is more than just a document; it is a compass for your future. Understanding these changes now allows us to optimize your tax and retirement strategy early in the year."
Capital markets 2026: Stability under pressure
We look back on an extremely successful year 2025. Our model portfolios achieved returns between 5.37% and 18.1%, eachdepending on the strategy - a result that underscores the value of a disciplined investment process.
For 2026, we expect moderate global economic growth, coupled with increased volatility. Our strategy "Stability under Pressure" focuses on Quality & Resilience:
Core focus: High-quality dividend stocks, healthcare, and infrastructure.
Diversification: We are consciously expanding our geographic reach to reduce "cluster risks."
Currency hedging: Systematic expansion of bonds and alternative investments with a focus on minimizing currency risks.
Region/Asset | Weight |
Switzerland (Blue Chips) | 35% |
USA | 25% |
Europe | 20% |
Emerging markets | 10% |
Commodities & Special Topics | 10% |
In addition to selected Swiss stocks, we are expanding our universe withover 15 new highly rated ETFs. These top performers allow you to participate in global structural trends while maintaining the character of a solid, stable portfolio.
"Between the excitement of AI and the reality of geopolitics, the key to 2026 is broad diversification. Staying invested with a clear plan pays off."
Our suggestions: Start the year strong
Update your 3a standing order: Adjust your monthly contributions to the new maximum amounts for 2026 to maximize tax benefits.
Review your benefit statement: Once your pension fund statement arrives, let’s review it together to check for coverage gaps.
Embrace quality: In a year of "stability under pressure," ensure that your portfolio is not overly invested in speculative technology without a base of solid dividend payers.
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