Need a hand to spend your annual premium? We're here for you!
The variable part of the salary is a bonus awarded to almost a third of employees in Switzerland.
Statistics show that a bonus reaches an average of CHF 11,500.
However, the upward impact of this average due to the generous contribution of the financial sector and the tobacco industry to their employees must be considered.
For most beneficiaries, the average bonus received is barely CHF 1,800 for an employee working for the public administration and barely CHF 5,000 for an employee in the private sector who does not hold a managerial position.
For the minority of beneficiaries, the question is therefore how best to use these funds. Here are some original ideas.
Want a Ferrari?
Let's face it, even if you get a solid bonus, you'll have to accumulate many years of bonuses before you can afford this Italian car.
What to do in the meantime?
Use your reward to book a circuit tour of Imola in a Ferrari. It's still an expensive operation, but at least you'll have driven the car of your dreams; what's more, in Italy!
If your aspirations are more reasonable, buy your vehicle rather than a lease.
If you need additional cash to buy your car, contact us.
You become the full owner, you are free to resell your vehicle whenever you want, and you have the free choice of insurer.
A new kitchen?
Is your worktop worth replacing? A new dishwasher perhaps? Need to modernize your kitchen space?
Why not use your bonus for this purpose?
Too expensive?
A personal loan can make up for the shortfall so that you can carry out your project.
At worst, indulge in a gourmet restaurant and enjoy other people's cuisine.
Your dishwasher will always make a wearing noise but at least, as a good epicurean, you will have a wonderful evening dinner.
The wedding of your dreams?
Do you dream of celebrating your wedding with all your family, all your friends, in a magical place with the best caterer in the region?
No limit for the floral decoration, the band, your suit and the wedding dress?
A carriage to pick you up and drop you off in front of the church? Alliances worthy of a royal ceremony?
It's too much? No need for all this? Are you more interested in your honeymoon?
So, don't get married and plan your dream trip instead.
In addition, you will not be penalized in terms of tax taxation!
It's true that a round trip to Bali is not cheap and even if a hotel on site and a few restaurants won't blow your budget, the sum is still substantial.
Opt for a helping hand from Milenia.
You will have your file validated in 24 hours and your money paid out immediately.
You will only have to get married after the trip in a smaller group.
However, don't forget to invite us to share this moment of happiness with you!
Do you receive your bonus before Christmas?
It's perfect!
You can please those around you by giving them the most beautiful gifts possible on New Year's Eve!
A new watch for your brother, a beautiful piece of jewelry for your mother, the latest console for your nephew and Taylor Swift concert tickets for your little sister!
Or not...
Are you eyeing the latest timepiece presented at the Watches and Wonders show?
Are you also tempted by the console?
Why not go to the Taylor Swift concert yourself with your partner but in Las Vegas?
Tempting, isn't it?
So, you know what. You have earned this bonus. It's yours to use as you see fit!
Treat yourself and plan the concert around Christmas, so you won't have to be ashamed of the box of cookies offered to your loved ones!
For people with foresight
For those who care about their retirement provision, it is recommended to plan.
What will your pensions be?
How do you see the end of your career?
What is your investment strategy?
Where do you plan to live when you retire?
If you think you do not have a full career in Switzerland, purchases of the 2nd pillar are possible. Find out about the minimum brackets required.
Consider the positive effects on your tax brackets.
Estimate the return on these forward redemptions.
Perhaps it is more interesting to set up a 3rd pillar?
What are the tax advantages?
Is it too late to build up additional savings?
Are these contributions in fixed or flexible amounts?
As much as we can be a bit of humorous when it comes to Christmas gifts or honeymoons, your forethought should be taken seriously.
In this context, a plan has the merit of existing, but strangers are part of our lives. If you are thinking about your pension provision, you should also be prepared if you unfortunately lose your job.
What would be the financial consequences in the short and medium term?
This deserves your attention as well.
Solutions exist to compensate for a possible loss of income.
With Milenia, loss of earnings insurance coverage is within your reach.
Do not hesitate to ask one of our advisors for more information. We will be able to guide you in this direction.
With that in mind, perhaps your bonus will be more useful if it is not spent. Why not simply invest it to prepare for the post-career?
Whether you are a Ferrari fan, eager for Michelin-starred restaurants, a Taylor Swift geek, a frequent traveler or simply a foreseeable person, a helping hand is sometimes necessary to make your projects and dreams come true.
If this is the case for you, trust professionals who will be able to advise you in a human, personalized, simple and transparent way.
All this, in a confidential manner and with the benefit of the best tools and financial partners on the market.
All this is Milenia. We are at your side! With or without bonuses.