1. Check your Pillar 3a contribution status
You have until December 31 to contribute CHF 7,056 to Pillar 3a for 2026. If you have not yet contributed this year, you have five months. If you are contributing monthly via standing order, confirm the contributions are landing in your account and the annual total will reach the maximum. If you are contributing annually, set a reminder for November to make the transfer before December bank processing delays can cause issues.
2. Verify your withholding tax code is correct
For B permit holders, the withholding tax code on your payslip must correctly reflect your civil status and family situation. If you married, had a child, or experienced any change in family circumstances this year and have not notified your employer, your tax code may be wrong. Request a payslip review now and correct any errors before year end. Your employer contacts the cantonal tax authority to update the code.
3. Review your investment allocation
Mid-year is a reasonable time to review whether your investment portfolio still reflects your intended allocation. Markets move and drift the actual allocation away from the target over time. If you set out with 80 percent equities and 20 percent bonds and equities have performed strongly, you may now be significantly above your target equity allocation. Rebalancing once or twice per year is sufficient for most long-term investors.
4. Start your health insurance comparison early
The health insurance switching deadline is November 30 for changes effective January 1. Most people wait until October or November. Starting in July means you have time to compare properly at Priminfo.ch, check the financial stability ratings of lower-cost insurers, and make the switch without deadline pressure. Premium savings of CHF 500 to CHF 2,000 per year are common for people who switch annually to the lowest-cost provider in their canton.
5. Do your mid-year net worth calculation
Pull together your Pillar 2 value from your last statement, your Pillar 3a current value by logging in to check, your investment account current balance, your savings balance, and any liabilities. Calculate the total and compare it to the same calculation at the start of the year. If your net worth has grown by 5 percent or more in six months, you are on track for a strong year. If it has not moved or declined despite positive income, identify where the money is going and whether a reallocation is warranted.