Financial knowledge
Learn how money works - and how to make it work for you.
The financial pyramid - why you shouldn't skip a step
A stable financial future is not built overnight. It is built step by step - like a house that first needs a solid foundation before you think about the roof.
Our financial planning follows the hierarchy of financial needs, based on Maslow's pyramid. Each level builds on the previous one - and fulfills a key element for your financial health.
Cash flow & basic requirements
Your basis: living expenses, rent, budget, mobility. You can only plan at all if you generate regular income and have your expenses under control. 47% of Swiss people still don't have enough savings for three months.
Financial security
Insurance & protection against existential risks: illness, disability, death. Without this protection, any planning can falter. Protect yourself before you build.
Accumulate assets
Now it's time to save, invest, build up equity or reserves. However, without a clear pension and hedging strategy, any portfolio can become a ticking time bomb.
Financial freedom
You use tax leverage, plan your retirement or your children's education. The question is not just: How much? - but: When and in what order? More freedom through structure.
Estate & handover
The last step is about long-term organization: estate, inheritance, transfer of assets. This is where it becomes clear who has planned systematically - and who is improvising.
️Why you shouldn't skip a step
If you start investing straight away but have no reserves, you risk your financial stability. If you manage but don't hedge, you put yourself at risk. And if you only optimize but never plan, you are wasting potential.
Because clarity is the first step towards sovereignty
Financial education means understanding the mechanisms behind income, expenditure, assets and risks - not just superficially, but in their structural depth.
It is the prerequisite for making informed decisions, setting priorities correctly and maintaining control over your financial development.
We see this in our day-to-day advice: Many people live in a financial reaction mode - they pay bills, save occasionally, follow recommendations from banks or insurance companies. But they navigate without a strategic map.
Why learn financial literacy?
We want to give customers back control over their asset development and risk protection in order to realize their financial goals and wishes.
Income statement (ACTUAL)
Assets
- Private account
- Savings account
Expenditure
- Tax
- Rent
- Food
- Mobility (leasing)
- Credit cards
- Vacation
Balance sheet (ACTUAL)
Revenue
- Salary
Commitments
- Mortgages
- Leasing
- Credit card debt
Income statement (target)
Assets
- Private account
- Shares
- Bonds
- Real estate
- Promissory bills
Expenditure
- Tax
- Mortgage interest
Balance sheet (TARGET)
Revenue
- Salary
- Rental income
- Dividends
- Interest
- etc.
Commitments
- Mortgages
- Loans (invest.)
Reality - between ACTUAL and TARGET
The diagram on the left shows a typical actual financial situation:
- one-sided sources of income
- Consumption-oriented expenditure
- Lack of structure in the balance sheet
- Debt management without planning
However, the goal is a clearly aligned target structure:
- Differentiated, resilient sources of income
- Plannable, optimized expenditure
- Strategic asset accumulation
- Cleverly managed obligations in terms of tax and liquidity
Caveo helps you to understand this difference - and to bridge it step by step.
Financial education requires courage - and a willingness to change
Why you need to leave your comfort zone if you want real control
The visualization clearly shows that the path to financial independence does not start with calculation models - but with a change of mindset.
Especially in Switzerland - characterized by stability, security and risk avoidance - many people tend to outsource responsibility for their finances. But this is precisely where the risk lies: A supposed sense of security often prevents real development.
Get smart - on our blog
We see it as our task to make finance, pensions and insurance more accessible. That's why we write about important topics here in simple or understandable language. Find out for yourself and contact us at any time if you have any questions.
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