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u/anonymous17402

▲ 8 r/SwissPersonalFinance

Girlfriend stops working can she contribute 3rd pillar ?

hello everyone.

if my girlfriend stops working (to take care of kids) but we still contribute for her AHV, as far as I understand she won't be able to contribute her 3rd pillar (having an LPP/2nd pillar Is a requirement to open a 3rd pillar).

is this correct ?

we are not married (we both earn around 110k each and being married would rise a lot our taxes, except during the time she won't work (we expect a couple of years).

thanks for your help !

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u/anonymous17402 — 15 hours ago
▲ 4 r/Switzerland

Moving to AG: support understanding rental contract 🙏🏾

Hello everyone.

I am currently moving to AG, after living in VS and BL.

As far as I understand, AG has fixed dates to move in and move out from flats.

Do I understand well the following:

if I accept this contract, and will want to move out in the future, my understanding is that I will not be able to do it before 30.06.2027.

I also understand that I will only be able to move out on fixed dates: 30.06.2027, 30.09.2027, not possible in December and 31.03.2027 (and subsequently the following years). is this correct ?

I am surprised about the mention of the family : no. we currently do not have kids but plan to have at one point, is this family : no something that could be problematic?

the contract says that the charges of the flat (heating, water etc) are fixed (Pauschal) but at the same time the following sentence is making things unclear in my head: "Über die Heiz- und Betriebskosten wird einmal jährlich eine Abrechnung erstellt. Nachforderungen sind innert 30 Tagen nach Empfang der Abrechnung zu begleichen."

how do you understand the charges are billed ?

I added pictures of the contract so maybe someone has another interpretation and also further advice.

thank you very much for your help and support 🙏🏾

u/anonymous17402 — 3 days ago