{"id":5427,"date":"2025-08-28T11:07:06","date_gmt":"2025-08-28T09:07:06","guid":{"rendered":"https:\/\/pointcapital.ch\/saving-for-old-age-lay-the-foundations-now\/"},"modified":"2025-11-19T10:35:40","modified_gmt":"2025-11-19T09:35:40","slug":"saving-for-old-age-lay-the-foundations-now","status":"publish","type":"post","link":"https:\/\/pointcapital.ch\/en\/saving-for-old-age-lay-the-foundations-now\/","title":{"rendered":"Saving for old age: lay the foundations now"},"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']Retirement should be a time of peace and freedom \u2013 not uncertainty. But many people ask themselves: How much money should I save for old age? Are my reserves really enough to fulfill my wishes after my working life?  <\/p>\n<p>The answer: if you start thinking about saving for old age at an early stage, you will gain more than just interest in the long term \u2013 namely security, self-determination and scope for planning. After all, stable assets in old age don't just fall from the sky, but are the result of smart, forward-looking decisions.[\/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 saving for old age more important today than ever?<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']The statutory pension scheme in Switzerland \u2013 i.e. AHV and pension fund \u2013 provides basic security. However, it often only covers part of the standard of living to which people are accustomed. People with higher incomes, part-time jobs or longer career breaks in particular feel a noticeable pension gap in old age.  <\/p>\n<p>An overview of some of the key challenges:<\/p>\n<ul>\n<li>Demographic change increases pressure on state systems<\/li>\n<li>Falling interest income makes it difficult to build up capital using traditional savings models<\/li>\n<li>Longer retirement phases require higher reserves<\/li>\n<li>Inflation reduces the purchasing power of retirement capital<\/li>\n<\/ul>\n<p>Saving for old age is therefore not a nice-to-have, but a strategic necessity. Starting early gives you more stability and freedom \u2013 regardless of political developments.[\/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 much money should you save for old age?<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']It is advisable to plan for around <strong>80% to 90% of your usual net income<\/strong> as monthly retirement income. If you want to maintain your standard of living and remain financially independent, you should start early with a structured pension strategy. <\/p>\n<p><strong>Sample calculation:<\/strong><br \/>\nWith a monthly income of <strong>CHF 15,000 net<\/strong>, this results in a target value of <strong>CHF 12,000 to 13,500 per month<\/strong> for the retirement period. Assuming a retirement of 20 years, this results in a capital requirement of around <strong>CHF 3 to 3.2 million<\/strong> \u2013 minus the expected benefits from the AHV and pension fund. <\/p>\n<p>The remaining gap should be closed by <strong>private pension instruments<\/strong> \u2013 structured, controlled and tailored to your individual life planning.[\/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>When should you start saving for old age?<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']The earlier, the better. Because if you save early, you have to put less aside each month and benefit from the compound interest effect over the years. <\/p>\n<p>Example:<\/p>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">Start of savings<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">Monthly savings installment<br \/>\n(for CHF 500\u2032000 over 30 years)<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">At the age of 30<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">approx. 800 CHF<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">At the age of 40<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">approx. 1\u2032500 CHF<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">At the age of 50<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">approx. 3\u2032000 CHF<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u00a0<\/p>\n<p>An early start means more peace of mind and a lower monthly burden. If you start late, you have to plan more consistently and invest more.[\/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>Why is traditional saving often not enough?<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Traditional savings accounts hardly offer any interest these days. What's more, inflation is causing purchasing power to be lost. A capital of CHF 100,000 today may only be worth around CHF 70,000 in real terms in 20 years' time \u2013 depending on the inflation rate.  <\/p>\n<p>Today, saving safely means structuring in a targeted manner.<\/p>\n<p>At Point Capital, we deliberately avoid standard solutions. Instead, we rely on individually tailored portfolio strategies that are geared to your personal time horizon and security requirements.[\/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 private pension provision' url='https:\/\/pointcapital.ch\/private-altersvorsorge\/'][\/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>Targeted wealth accumulation in old age \u2013 this is how <strong>it works<\/strong><br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Well-thought-out retirement capital is not based on chance or hope, but on structured planning.<\/p>\n<p>Key success factors:<\/p>\n<ul>\n<li>Clear target definition: How high should your retirement income be?<\/li>\n<li>Realistic calculation: consideration of inflation, life expectancy, expenses<\/li>\n<li>Structured capital accumulation: Steadily building up a portfolio of high-quality securities<\/li>\n<li>Flexibility in the payout phase: maximum customizable capital availability in retirement<\/li>\n<\/ul>\n<p>Those who save securely and individually today will benefit from more room for maneuver later on \u2013 whether for travel, support for relatives or long-term care insurance.[\/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 influences retirement income?<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']In addition to the amount saved and the investment period, there are other aspects that have a decisive influence on retirement income:<\/p>\n<table style=\"width: 100%; border-collapse: collapse;\">\n<tbody>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">Influencing factor<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px; font-weight: bold;\">Significance for retirement provision<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Employment history<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Gaps reduce AHV and pension fund benefits<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Investment horizon<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">The longer, the more stable capital can be developed<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Asset structure<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Qualitative securities bring long-term stability<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Tax structuring<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Early planning reduces later burdens<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">State of health<\/td>\n<td style=\"border: 1px solid #ccc; padding: 12px;\">Can strongly influence costs in old age<\/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>Individual provision instead of standard solutions<br \/>\n<!--EndFragment --><\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Many people fall back on ready-made models \u2013 but these <a href=\"https:\/\/pointcapital.ch\/so-gehen-wir-bei-der-geldanlage-vor\/\">investment solutions<\/a> take little account of their personal life situation. At Point Capital, we focus on individual investment strategies, not off-the-shelf products. <\/p>\n<p>Your advantages:<\/p>\n<ul>\n<li>Clear structure \u2013 from start to payout<\/li>\n<li>Personal support instead of an anonymous platform<\/li>\n<li>Transparent reports and comprehensible decisions<\/li>\n<li>Long-term development with strategic vision<\/li>\n<\/ul>\n[\/vc_column_text][vc_column_text css='' text_direction='default']\n<h2>Saving today means a self-determined life tomorrow<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Saving for old age is not an issue for later \u2013 but a decision for more freedom, security and quality of life. With the right strategy, you can build up solid assets in old age \u2013 step by step, but with foresight. <\/p>\n<p>Whether you are just starting out or want to structure your existing pension provision:<br \/>\nNow is the right time.[\/vc_column_text][nectar_btn size='small' button_style='regular' button_color_2='Extra-Color-2\u2033 icon_family='none' text='Contact us now' 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>FAQ on the topic of saving for old age<\/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 the best way to save for old age?'][vc_column_text css='' text_direction='default']The most effective way to save for old age is to build up capital early, regularly and in a structured manner. A clear savings plan, tailored to your life situation and goals, creates the basis for a financially carefree life. The earlier you start, the lower the monthly burden \u2013 and the greater the scope you will have later on.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='Where can I save money in everyday life?'][vc_column_text css='' text_direction='default']You can save money by consciously structuring and regularly reviewing your expenditure. Typical savings potential lies in recurring costs such as subscriptions, insurance or energy tariffs. If you set priorities and avoid unnecessary expenditure, you create scope for long-term savings.[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='Should you leave your money in the bank?'][vc_column_text css='' text_direction='default']Simply leaving money in your account does not protect you from losing purchasing power \u2013 on the contrary. Low interest rates and rising inflation mean that the real value of your assets decreases year on year. If you want to maintain or increase your assets, you should invest your capital in a structured way and with a clear strategy.<\/p>\n[\/vc_column_text][\/toggle][toggle color='Default' heading_tag='default' heading_tag_functionality='default' title='What is a good savings rate?'][vc_column_text css='' text_direction='default']A savings ratio of 10 to 20 % of monthly net income is generally regarded as a solid basis for long-term wealth accumulation. This figure can vary depending on the phase of life and your goal \u2013 the key is to save regularly and consistently. Even small, continuous amounts have a big impact over time.[\/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":5428,"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-5427","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\/5427","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=5427"}],"version-history":[{"count":3,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/5427\/revisions"}],"predecessor-version":[{"id":5443,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/5427\/revisions\/5443"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media\/5428"}],"wp:attachment":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media?parent=5427"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/categories?post=5427"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/tags?post=5427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}