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| Back in the day, when I worked freelance my break even rate was CHF125 per hour (this was before all in rates etc...) for a 120k permanent job plus perks. But in those days the perks were an awful lot better than today in the banking world and hourly rates were the standard. | |
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In banking when the perks can be half your salary or more, this somewhat skews the comparison. That's why it's important to know the details of the perks, not least the pension, from both sides before you can make an informed choice.
I always deal with clients directly, even when there's an agency involved but in the end you need a payroll company (not necessarily an agent, and agent is the wrong term anyway)
People think perm jobs are secure - they're not, not these days, but you might get better conditions when you're chucked out.
I've been a contractor since '96. The only contract I had that wasn't renewed was in 2009 and they paid me for my notice period on garden leave, much to the annoyance of the permies.
For perm vs contract you just need to google.
BTW, as a contractor through a payroll company you're still a permanent employee. Expenses for tax reduction are long gone. Conditions can vary but you would enjoy all the mandatory protections as a contractor as you would as a permanent.