{"id":5322,"date":"2025-08-28T11:08:12","date_gmt":"2025-08-28T09:08:12","guid":{"rendered":"https:\/\/pointcapital.ch\/private-pension-provision-building-up-assets-in-a-targeted-manner\/"},"modified":"2025-11-20T14:18:30","modified_gmt":"2025-11-20T13:18:30","slug":"private-pension-provision-building-up-assets-in-a-targeted-manner","status":"publish","type":"post","link":"https:\/\/pointcapital.ch\/en\/private-pension-provision-building-up-assets-in-a-targeted-manner\/","title":{"rendered":"Private pension provision \u2013 building up assets in a targeted manner"},"content":{"rendered":"[vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' el_class='b-subheading' text_direction='default']Many people don't think about private pension provision and their financial security in old age until it's too late \u2013 often too late. However, if you act early, you will have a secure retirement provision and a financially carefree life in the long term. <\/p>\n<p>Especially in times of volatile markets, increasing life expectancy and declining statutory pension entitlements, private pension provision is becoming increasingly important. But what pension options are there? How can you build up long-term capital without getting lost in the maze of financial products?[\/vc_column_text][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Why is private provision so important today?<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']For many people, the statutory pension alone is no longer enough to maintain their accustomed standard of living in old age. In addition, interest rate policy, geopolitical uncertainties and economic upheaval make it difficult to plan reliably for the long term. <\/p>\n<p>What that means in concrete terms:<\/p>\n<ul>\n<li>Falling pension levels due to demographic change<\/li>\n<li>Longer phases of retirement that need to be covered financially<\/li>\n<li>Inflation, which reduces the real value of savings<\/li>\n<\/ul>\n<p>In short, anyone who relies exclusively on state benefits is taking a risk. A <a href=\"http:\/\/pointcapital.ch\/private-altersvorsorge\/\">private pension<\/a> offers the necessary supplement \u2013 individual, controlled and plannable.[\/vc_column_text][nectar_btn size='small' button_style='regular' button_color_2='Extra-Color-2\u2033 icon_family='none' text='Find out more about various investment solutions' url='https:\/\/pointcapital.ch\/en\/this-is-how-we-go-about-investing\/'][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Independent pension provision: consciously taking responsibility<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Whether you are self-employed, employed or in the family phase \u2013 your retirement provision should be as individual as your life.<\/p>\n<p>The self-employed in particular are often not integrated into the statutory pension system and must therefore take full responsibility for their own investments. However, even employees should not rely on statutory payments being sufficient. <\/p>\n<p>What sets independent pension provision apart:<\/p>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px; font-weight: bold;\">Advantage<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px; font-weight: bold;\">Description<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">High flexibility<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">You decide the timing, amount and form of investment yourself<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Individual strategy<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Your life planning determines the design of your pension provision<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">No dependence on the state<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Independence from political reforms and constraints<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Opportunities for attractive returns<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Capital can be used profitably in the long term<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>What is the best retirement provision?<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']There is no one-size-fits-all answer. Because what 'best' means always depends on your life situation, your goals and your willingness to take risks. <\/p>\n<p>The key is not to find a product \u2013 but a holistic solution that fits your asset structure and your time horizon to enable you to <a href=\"http:\/\/pointcapital.ch\/sparen-alter\/\">save for retirement<\/a>.<\/p>\n<p>Possible components of a private pension strategy:<\/p>\n<ul>\n<li>Long-term investment for retirement provision with a clear focus on stability<\/li>\n<li>Risk-conscious portfolio structuring<\/li>\n<li>Consideration of tax framework conditions<\/li>\n<li>Staggered capital planning for different phases of life<\/li>\n<\/ul>\n<p>Good to know: Point Capital focuses on individual, actively managed asset solutions such as <a href=\"http:\/\/pointcapital.ch\/qualitaetsaktien\/\">quality shares<\/a> \u2013 not standard products.<\/p>\n[\/vc_column_text][nectar_btn size='small' button_style='regular' button_color_2='Extra-Color-2\u2033 icon_family='none' text='Find out more about the multi-asset strategy' url='http:\/\/pointcapital.ch\/multi-asset-strategie\/'][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Private pension provision: options at a glance<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']In the following overview, we show you what you should look out for in your private pension provision \u2013 and which aspects are often underestimated:<\/p>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px; font-weight: bold;\">Criterion<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px; font-weight: bold;\">Why it is important<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Investment horizon<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">The longer the period, the more targeted the investment can be<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Liquidity<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">A balanced structure enables availability at all times<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Inflation protection<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Real preservation of capital value over decades<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Tax optimization<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Use of allowances and efficient forms of investment<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Flexibility in the payout<\/td>\n<td style=\"border: 1px solid #ccc; padding: 16px;\">Adaptability to changing life circumstances<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>How can you make secure retirement provisions?<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Security does not come from standing still \u2013 but from structured management. The aim is to create lasting value with your capital without being unsettled by short-term fluctuations. <\/p>\n<p>The basis for a secure pension plan is an individual concept based on experience, market knowledge and qualitative analysis. The important thing is: <\/p>\n<ul>\n<li>No promises of excess returns<\/li>\n<li>No product dependency<\/li>\n<li>No standardized strategies<\/li>\n<\/ul>\n<p>Point Capital focuses on personal asset management, transparent processes and co-investment: our interests are aligned with yours \u2013 because we believe in the strategies we develop and live them ourselves.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Your path to private pension provision<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Do you want to plan your retirement provision strategically while retaining control? The first step is to be clear about your goals. An individual analysis of your financial situation and your future wishes is essential.  <\/p>\n<p>What you can expect from us:<\/p>\n<ul>\n<li>Personal support at eye level<\/li>\n<li>Long-term planning taking into account your life phases<\/li>\n<li>Transparent structuring of your pension provision<\/li>\n<li>No sales pressure, but cooperation based on partnership<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>Providing for the future is both a responsibility and an opportunity<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']A well-structured, private pension plan means more than just building up reserves. It creates the basis for a financially carefree life \u2013 plannable today, effective tomorrow. <\/p>\n<p>After all, those who make responsible provisions can also act independently and in a self-determined manner in later phases of life \u2013 without compromise.<\/p>\n<p>Let us design your private pension provision together \u2013 professionally, securely and with foresight.[\/vc_column_text][nectar_btn size='small' button_style='regular' button_color_2='Extra-Color-2\u2033 icon_family='none' text='Get in touch with us' url='https:\/\/pointcapital.ch\/en\/contact-us\/'][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text css='' text_direction='default']\n<h2>FAQs on the topic of private pension provision<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][toggles style='default' border_radius='none'][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='What is a pension gap?'][vc_column_text css='' text_direction='default']A pension gap arises when the benefits from the AHV and pension fund are not sufficient to cover the accustomed standard of living in old age. It mainly affects people in employment with higher incomes, the self-employed or people with interrupted employment histories. Anyone who does not close this gap in good time must expect financial restrictions in retirement.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='What options are there for retirement provision?'][vc_column_text css='' text_direction='default']Old-age provision includes state pension provision (AHV), occupational pension provision (pension fund) and private pension provision. The latter includes individual <a href=\"https:\/\/pointcapital.ch\/so-gehen-wir-bei-der-geldanlage-vor\/\">investment solutions<\/a> that are specifically geared towards long-term capital accumulation. The decisive factor is a coordinated strategy that takes into account personal goals, time frame and risk profile.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='What is the difference between AHV and pension fund?'][vc_column_text css='' text_direction='default']The AHV is the state's basic provision for old age, while the pension fund supplements this with an occupational pension. While the AHV is financed by all employees depending on their income, the pension fund is based on an individual savings account with contributions from employers and employees. Together they form the first two pillars of the Swiss pension system.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='Does asset management make sense?'][vc_column_text css='' text_direction='default']The AHV is the state's basic provision for old age, while the pension fund supplements this with an occupational pension. While the AHV is financed by all employees depending on their income, the pension fund is based on an individual savings account with contributions from employers and employees. Together they form the first two pillars of the Swiss pension system.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='When should you start saving for retirement?'][vc_column_text css='' text_direction='default']The earlier the better \u2013 ideally with your first regular income. Early retirement provision takes advantage of the compound interest effect and creates more scope for long-term capital growth. If you start early, you can build up solid pension assets even with moderate contributions.[\/vc_column_text][\/toggle][\/toggles][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][divider line_type='No Line'][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' bg_color='rgba(63,75,111,0.2)' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' class='border-box' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' shape_type=''][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid']<div class=\"vc_row-fluid box-element-row calculator-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\">Vorsorge-Rechner<\/p><h3 class=\"box-title\">Berechnen Sie Ihre pers\u00f6nliche Vorsorge<\/h3><div class=\"box-content\">K\u00f6nnen Sie auch im Alter Ihren Lebensstandard halten? Was w\u00fcrde Ihnen eine professionelle Verm\u00f6gensanlage einbringen? Berechnen Sie Ihre pers\u00f6nliche Vorsorge f\u00fcr den Ruhestand.<\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"custom-box-btn open-termin-popup\" href=\"https:\/\/pointcapital.ch\/vorsorgerechner\/\" title=\"Calculator\" ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Vorsorge-Rechner starten<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2021\/03\/PCG_renditerechner.svg\" width=\"100%\" alt=\"Vorsorge-Rechner\"><\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' bg_color='rgba(63,75,111,0.2)' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' gradient_type='default' shape_type=''][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid']<div class=\"vc_row-fluid box-element-row partner-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\">Beratungstermin<\/p><h3 class=\"box-title\">Erfahren Sie mehr und lassen Sie sich pers\u00f6nlich beraten \u2013 kostenlos und unverbindlich.<\/h3><div class=\"box-content\"><\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"open-termin custom-box-btn open-termin-popup\" href=\"#\"  ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Jetzt Termin vereinbaren<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2021\/03\/Bild_CTA_Beratungstermin.png\" width=\"100%\" alt=\"Beratungstermin\"><\/div><\/div><\/div>[\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>Is a savings account for retirement better than investing money? Definitely not. Because if you have shares, you protect your assets against inflation. Here's how it works.   <\/p>\n","protected":false},"author":6,"featured_media":5329,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"wds_primary_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[121],"tags":[],"class_list":{"0":"post-5322","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-uncategorized"},"acf":[],"_links":{"self":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/5322","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/comments?post=5322"}],"version-history":[{"count":5,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/5322\/revisions"}],"predecessor-version":[{"id":8514,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/5322\/revisions\/8514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media\/5329"}],"wp:attachment":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media?parent=5322"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/categories?post=5322"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/tags?post=5322"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}