Background
Hey everyone,
I'm early in talks with a company in Geneva, we're really just at the first stage (one HR call so far, nothing signed) and before I go further into the process I want a more realistic read on things from people who've actually lived it, because on paper it looks fine but I don't fully trust my own back-of-envelope math.
I work in corporate finance IT, mostly planning/budgeting type projects with some project management on top, based in Paris at a tech company. Current package is around âŹ130k gross a year (100k base + 30k variable). We're expecting our first kid end of January, and my wife isn't working right now, she also lives in France on a French residence permit, being originally from North Africa (her French citizenship application is in progress).
The offer
The offer being discussed for Geneva is CHF 140k base (paid over 13 months) plus a 10% target bonus, plus some benefits (meal vouchers, contribution to health insurance, transport) that add up to something like CHF 3k a year. All in, that's roughly CHF 154-157k gross total.
Is it actually a better standard of living?
Is this genuinely a better standard of living once you factor in Geneva rent and especially health insurance premiums? I only just found out it's not an employer family plan like in France, everyone pays their own premium, including the baby. I've sketched out a rough budget and it looks workable but I'd like to check it against people actually living this, especially on a single income.
Cross-border or move straight away?
Has anyone here started out commuting from the French side (Annemasse, Saint-Julien, Pays de Gex area, that kind of thing) before fully relocating to Switzerland? Wondering if that's smarter while things settle down with the baby, or if it just adds more hassle than it's worth (taxes, admin, all that). Since my wife doesn't hold an EU passport, I'm also wondering if that changes the permit process on the Swiss side, whether we commute or move directly.
Timing with the baby
And honestly the thing stressing me out the most: the baby is due end of January, and if the process moves at a normal pace the start date would land right around then or just after. How would you handle the timing of all this â the move itself, a permit for my wife (and the baby too, given her situation), parental leave (Swiss vs French, I honestly don't even know how that works), house hunting remotely with a newborn in the mix? If anyone's moved to Switzerland with a very young baby or right around a birth, I'd take any war stories you've got.
Why Switzerland
For context, beyond the money Switzerland genuinely appeals to me for real reasons â healthcare, education, economic stability, how the country runs democratically. But I'd rather go in with clear eyes than just chase the idea of it.
Thanks in advance to anyone who takes the time to reply, especially if you've done a Switzerland move with a young child or newborn.