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Hey! I’m Mr. IH. I write about money and investing in Switzerland, in English, for people starting from zero. Every platform on this site is one I’ve opened an account with and funded myself.
Who is behind this site
I write under a pen name. I’m a British expat, I’ve lived in Switzerland for over ten years, and I work in digital marketing by day. The site runs through a Swiss GmbH, and the company details are in the disclaimer.
The pen name isn’t there to hide anything. I write publicly about my own money, mistakes included, and I’d rather that didn’t follow me around at work. What you can check is whether the numbers here are right, and whether I tell you when I’m being paid. Both of those are on the page.
Why this site exists
I arrived in Switzerland and couldn’t find a straight answer to a single money question in English. So I did what most people do and handed the problem to an advisor.
My introduction to the Swiss pension system was an advisor who quietly wrapped a death and disability policy into my pillar 3a. It cost 20% of every contribution, on a contract with 35 years to run.
I found it. I cancelled it. Then I started writing this site so it doesn’t happen to you.
That’s still the job. The boring decisions that quietly cost or save people tens of thousands of francs over a working life. Nothing here is a stock tip.
How I test things
Most comparison tables are assembled from provider press releases. Mine aren’t.
I open a real account and fund it
Every platform I review is one I’ve signed up to with my own money and used. The screenshots in the reviews come from those accounts, not from a media kit.
Fees come from the provider, dated
Every figure comes from the provider’s own pricing page or fee schedule, never from another comparison site, and the page says when I checked it. For funds I use the key information document, because it’s legally required to total the costs.
If a provider doesn’t publish something, I say so
Several Swiss banks don’t disclose enough for anyone to work out what their pillar 3a really costs. Those entries say “not published” instead of carrying an estimate that looks authoritative.
I re-check before the date changes
I check the figures twice a year, and after any provider announcement. A date on this site only moves when the numbers underneath it have been verified again.
My rules
These are the rules I run the site by. If I ever break one, hold it against everything else here.
- Readers before commissions. If the best answer earns me nothing, it still goes first.
- I tell you when you don’t need the product. Most people don’t need an advisor, a structured product, or a fifth account.
- Every affiliate relationship is disclosed on the page itself, not buried in the footer, and a link that earns nothing is never dressed up as one that does.
- No CFDs. I don’t recommend them and I don’t earn a franc from them. Where I cover them, it’s to explain why they’re the wrong tool for almost everyone.
- No commission-paying products sold as advice. Insurance-linked pensions are the clearest example, and they’re why this site exists.
- Figures are sourced and dated, and corrected in public when I get them wrong.
- No manufactured urgency. No countdowns, no fake scarcity, no “limited spots”.
How this site makes money
Affiliate commissions. That’s the thing most likely to bias a site like this one, so here’s exactly how it works.
You read a review here and click through to the provider using a tracked link.
You open an account, decide for yourself whether you like it, and fund it if you do.
The provider confirms the account and pays me a commission. I never see your data, and it costs you nothing. In several cases you get a better deal than going direct, because the reader offer comes with it.
Not every provider pays me, and I link to plenty that don’t. Where there’s no arrangement, the page says so. The commission never decides the ranking, which is why the cheapest option on my pillar 3a comparison is one of the ones that pays me least.
I’m not a financial advisor
I hold no financial qualification and I’m not licensed to give advice. Everything here is education and my own experience, written for a general audience. It isn’t personal financial advice and it can’t account for your situation.
Your circumstances, your canton and your tax position all change the right answer. For anything complex, especially tax, pensions and inheritance, pay a qualified professional. It’s usually cheap next to the mistake.
Looking for a personal finance course?
There’s a lot on this site for free, and for most people that’s enough. But if you want it in order, with the workings shown and the decisions made step by step instead of article by article, I’m building a course.
It’s everything I wish someone had handed me when I arrived in Switzerland. It lands in 2027, and you can put your name down here to hear first and get a discount on the launch price.
Where to start
If you’re new here, these are the pages worth your time first:
Start here if you want the whole picture in order.
Pillar 3a compared if you want the single highest-value decision available to most people in Switzerland.
Online brokers compared if you’re ready to invest outside your pension.
Swiss taxes explained if the tax return is the thing keeping you up.
Stay ahead with Swiss financial insights
Swiss finance tips, fee changes and the latest provider comparisons, straight to your inbox. About one email a month, and you can leave with one click.
Got a question?
I read everything, and reader questions decide a lot of what gets written next. You can reach me through the contact page. I can’t answer questions about your personal situation, for the reasons above, but if something here is unclear or wrong I want to know.
Last reviewed: August 2026. I update this page when how I work changes, not on a schedule.
Corrections. If you find an error, tell me and I’ll fix it and say what changed. In August 2026 I corrected a tax figure on eight pages after a reader sent me an official calculation showing a third-party source had it at roughly double the real amount. That’s the standard I want to be held to.
