End of Summer, Time for a Pension Check-Up As summer draws to a close and routines return to normal, it’s a natural moment to pause and take stock — not just of the diary, but of your longer-term financial plans too. For many of our clients based here in Switzerland, that means keeping an eye…
Download the Full Q2 2026 Review (PDF) The second quarter of 2026 delivered one of the sharpest reversals investors have seen in some time. Where Q1 was defined by shock and drawdown, Q2 was defined by recovery — and in places, outright exuberance. Equity markets staged a powerful rally as earnings comfortably beat expectations and…
The new financial year brings meaningful changes. Driven by the Triple Lock guarantee, the full New State Pension has risen to £12,547.60 per year. However, with the Personal Allowance frozen at £12,570 until at least 2028, the State Pension now sits just £22 below the income threshold. For highly successful professionals residing in Switzerland, this…
With geopolitical tensions and market volatility shaping the first quarter of 2026, relying on standard, fragmented investment strategies is no longer safe for high-net-worth expats in Switzerland. In our newly released Q1 2026 Quarterly Investment Review, Synergi analyses the recent shifts in global markets and how they directly impact your wealth. Key insights for Q2…
Right now, many people iare feeling unsure about the future of the UK State Pension. To help, we’re laying out the facts and outlining some practical steps you can take to plan for the retirement you want. The State Pension is an amount paid to you on a regular basis by the government once you…
The ‘K-Shaped’ Recovery Over recent years, we’ve seen what is often described as a ‘K-shaped’ recovery. Households with assets such as shares, property and pensions have generally benefited from rising asset prices, while those without assets have faced a very different experience. Higher inflation has driven up the cost of living, eroding purchasing power…
One Christmas, as a child I unwrapped a classic game: Battleships. Two grids. Hidden ships. And the slow, methodical process of probing the board, square after square, trying to work out where your targets are and what’s just empty ocean. It turns out that’s a surprisingly useful way to think about today’s oil market. Recent…
The triple lock was introduced in 2010. In a nutshell, its purpose is to make sure that the State Pension doesn’t lose value over time. It guarantees that, each year, the State Pension will rise by the highest of three measures: Average earnings, Inflation, as measured by the Consumer Prices Index (CPI), Or 2.5% So,…
With the UK Autumn Budget set for 26 November 2025, there’s already plenty of chatter about what might change – especially when it comes to pensions. But before you start making any big decisions, let’s look at what you really need to do right now. What are some of the rumoured changes? There’s speculation that…
We are fast approaching a significant UK Budget Day, 2025 and UK pensions may well be affected by the need of the Labour government to plug the £20-30 billion deficit to comply with their own fiscal rules. it is perhaps worth remembering 4 Key Facts about UK State Pension. Before we start, keep in mind…