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Old 07.10.2009, 13:23
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Job offer - Your Feedback Please

Hi there, we are family of 4 (hubby, myself, 4y.o. and a newborn). Husband has been offered perm job in Zurich.

Offer is CHF 130,000 plus lump sum for relocation. I wonder if someone can tell me if this is descent money for the 1st year while I am not working? we will need to pay rent accomodation, prob car, food etc, kindergarten..

also how much money we would expect to get for relocation from the UK?

thank you very much.

Last edited by jrspet; 07.10.2009 at 13:26. Reason: Fixed typo - substituted period with a comma in the salary amount
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Old 07.10.2009, 13:27
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Re: Job offer - Your Feedback Please

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Hi there, we are family of 4 (hubby, myself, 4y.o. and a newborn). Husband has been offered perm job in Zurich.

Offer is CHF 130.000 plus lump sum for relocation. I wonder if someone can tell me if this is descent money for the 1st year while I am not working? we will need to pay rent accomodation, prob car, food etc, kindergarten..

also how much money we would expect to get for relocation from the UK?

thank you very much.
there have been many many many threads of the same nature on here - maybe have a little look around these other threads to get a comparison of wages versus cost of living, it's a hard one to answer really as it's a kind of how long is a piece of string kind of question

It depends on how much you survive on now and what type of life you lead

Many people would love to have a salary of 130k a year and many families of 4 survive on a LOT less

Regards relocation we had ours paid for and i think we were given a budget of up to 10kCHF and it cost us around 8kCHF and that was for a family of 2 with not much stuff
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Old 07.10.2009, 13:31
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Re: Job offer - Your Feedback Please

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there have been many many many threads of the same nature on here - maybe have a little look around these other threads to get a comparison of wages versus cost of living, it's a hard one to answer really as it's a kind of how long is a piece of string kind of question snipped...........
This is about double the average Swiss salary (for one person)
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Old 07.10.2009, 13:31
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Re: Job offer - Your Feedback Please

hi Nicky and thanks! I will search forum it is just time an isssue for me ;-( with kids etc

I'd say our main expenses would be flat in nice area so i can walk everywhere with kids (parks, playgrounds, tots groups), med insurance, foodclothes, and bills. not much of dinning out because of little ones.
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Old 07.10.2009, 14:14
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Re: Job offer - Your Feedback Please

Loads of people survive on less, with bigger families.
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Old 07.10.2009, 14:35
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Re: Job offer - Your Feedback Please

https://calculators.credit-suisse.co...tax.do?lang=en

My finger in the air calculation says,

On a 130000, you pay 21,241 tax

130000 - 21,241 = 108759
108759 / 12 = 9063 a month

Rent = 3000
Bills = 500
Food = 800
Insurance = 800
Travel = 400 (kids under 6 travel free and 400 a months gets a you a GA - free travel anywhere in Switzerland)

Anyway you look at it there is a lot of money left over...even if my calculations are really low.
Also 130000.-chf is about 60,000 quid if that makes it any easier.
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Old 07.10.2009, 14:40
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Re: Job offer - Your Feedback Please

don't forget to check out childcare options right away. it's very expensive and a lot of places also have long waiting lists
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Old 07.10.2009, 15:10
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Re: Job offer - Your Feedback Please

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Also 130000.-chf is about 60,000 quid if that makes it any easier.

Erm, hardly. Have you seen the Sterling-CHF exchange rate recently? Sfr.130k is closer to £80k.
It doesn't change your calculation, which is very helpful, but it is misleading if you're trying to compare UK and CH salaries.
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Old 07.10.2009, 20:51
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Re: Job offer - Your Feedback Please

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Hi there, we are family of 4 (hubby, myself, 4y.o. and a newborn). Husband has been offered perm job in Zurich.

Offer is CHF 130,000 plus lump sum for relocation. I wonder if someone can tell me if this is descent money for the 1st year while I am not working? we will need to pay rent accomodation, prob car, food etc, kindergarten..

also how much money we would expect to get for relocation from the UK?

thank you very much.
My family profile is similar to yours (2 kids and a wife who wants to work but will probably have to do voluntary work for a while) and I get around the same pay. I lost the car and don't plan to get a new one in the foreseeable future. I also ruled out International School because I felt the kids would get a "richer" experience by learning the local languages for free and quite frankly I would rather have 30K a year more in my pocket if I can help it

I think it's manageable as long as you invest time in discovering the right options to save (like bulk shopping in France or Germany). Relocation, let your company cover all the removal costs and arrangements as it's much easier and will help you settle in much quicker. German lessons as part of the relocation can also be very useful. A nice lump sum to cover subtle moving costs such as selling (or renting) your house, car and spending more than you should in the first few months as well as paying up to 3 times the rental as a deposit would also be helpful but I guess it also depends on your company policy. Good luck!!
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Old 07.10.2009, 22:23
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Re: Job offer - Your Feedback Please

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... I also ruled out International School because I felt the kids would get a "richer" experience by learning the local languages for free and quite frankly I would rather have 30K a year more in my pocket if I can help it
I really admire your honesty.

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...spending more than you should in the first few months as well as paying up to 3 times the rental as a deposit would also be helpful but I guess it also depends on your company policy. Good luck!!
These are really useful points, often overlooked.
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Old 08.10.2009, 00:09
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Re: Job offer - Your Feedback Please

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Hi there, we are family of 4 (hubby, myself, 4y.o. and a newborn). Husband has been offered perm job in Zurich.

Offer is CHF 130,000 plus lump sum for relocation. I wonder if someone can tell me if this is descent money for the 1st year while I am not working? we will need to pay rent accomodation, prob car, food etc, kindergarten..

also how much money we would expect to get for relocation from the UK?

thank you very much.
I think the salary is not an issue, BUT if you want to live close to Zürich, you are going to pay for this by paying more rent for less space. If your hubby doesn't mind a commute, if you see yourself living outside of Zürich, this could make a big difference in the amount of rent you pay and what kind of place you live in. Rent is going to be your biggest monthly expense. I have found housing families with 4.5 room apartments with rents of 1,600 per month...but a family can also found a house for 2,800 per month (these examples are the Baden area). So the first thing is to decide how and where you want to live. It's a lifestyle question.

The job market is tough and daycare is costly and limited. Not sure what kind of job you are looking for but it could be a long search. So I would budget on the salary on offer...don't push the rent budget by counting on a second salary.

Relocation packages vary greatly. This has been discussed in other threads. Many employers have a standard package based on the country you are moving from. Few employers are willing to negotiate the package but it doesn't hurt to try. But you have to do this before you accept the position, not after. If you are bringing all your furniture, try to get a moving quote, even a ballpark figure for starters.

Some companies set a budget and you use the money as you see fit so it may have to cover your travel here, shipping personal effects, housing search assistance, etc etc. Keep in mind there are tax implications on this money. Also, logic doesn't always prevail. For example, some employers offer one month's accommodation in a furnished apartment or hotel. This costs a small fortune. With most of the families I work with, they move into permanent housing right away so we negotiate this money for temp housing to be applied to something else. This can really help a lot.

Salary and lifestyle are connected. Two families can have the same salary and at the end of the month, they have vary different amounts left over. It is nice to have something left over for having some fun, like travel.

Good luck with your plans.
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Old 08.10.2009, 00:30
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Re: Job offer - Your Feedback Please

rent should be around 25-30% of your monthly salary. ask your employer to assist in finding accomadations ( the HR dep't usually has good contacts for this sort of thing) as far as removals are concerned, check out Luker Bros in oxford. they have a weekly schedule to switzerland. i've used them twice. best offer and excellent service.
if you want to get a feel for food pricing, go to the online shop ( le-shop.com)
you can select english and see what it would cost for a shopping basket. you can even order on line and they will deliver to your door the next morning. this could be handy in the early days, if you don't have a car.
i've lived here 40 yrs :-) so, just ask if you have any questions, i most likely know the ropes etc.
cheers,
roger
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Old 08.10.2009, 13:50
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Re: Job offer - Your Feedback Please

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Offer is CHF 130,000 plus lump sum for relocation. I wonder if someone can tell me if this is descent money for the 1st year while I am not working? we will need to pay rent accomodation, prob car, food etc, kindergarten..
My 2 cents worth:

Yes, you can survive on 130K.

As some-else put it: compare to the average income

You'll be getting about 2.17x the avg income in Switzerland (CH avg income = 60K CHF pa)
What do you get in th UK at the moment?

Avg income in the UK is 30,000 GBP, which is 49,500 CHF at todays rates
(http://www.statistics.gov.uk/cci/nugget.asp?id=334)

Work backwards: 30K GBP x 2.17 = 65K GBP

So if you are on around 65K GBP at the mo, then the 130K CHF is a very approx comparison

PS: looking at the Swiss stats office, it shows UK and CH as having near identical average gross annual wages!


Try also using the famous Big Mac Index to compare cost of living:
Big Mac UK = 1,99 GBP = 3.28 CHF
Big Mac CH = 6.30 CHF

Therefore CH cost of living is 6.30/3.28 = 1.92 or darn near 2x that of the UK


DISCLAIMER: I'm not an expert and the above comparision is done using my own method of comparing worldwide incomes.
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Old 08.10.2009, 14:10
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Re: Job offer - Your Feedback Please

As you can see from the pseudonym, we live just over the border from St. Gingles [11 kms actually] in France. The car park of our local supermarket is full every single day [Sunday mornings included] with cars of the VD, GE, FR, ilk and even sometimes those from ZH, SG, obviously en route back home.
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