“Career Relaunch 2021” - digital

Info-Kit-Afternoon
Mastering job interviews confidently

Career Relaunch, 26. January 2021

Dr. Mike J. Widmer, MBA, mike.widmer@aalto.ch

Founder & Managing Partner, Aalto AG
Preparing for an interview takes time and a structured
approach.
Customers, history, trends, what affects growth, who are the leaders, products,
• Industry services, regulation, disruption…
products, services, competitors, business model, culture, revenue, news … (annual
• Company reports, google alerts)
what is it really about, how do you meet key criteria, challenges, relevance for org.,
• Position reporting lines …(job boards)
who will be at the interview, their role/cv, anything you have in common, people in
• People the company you can reference (google, LinkedIn)
dress code, be prepared for unexpected delays, contact number of your
• Logistics interviewer …

• Ice Breaker prepare couple of ice breaker stories …

• Pitch know your pitch by heart, ready to adapt

know your CV, summarize, prepare stories, identify the essence of your job fit, what
• Story Telling (CV) should they remember, practice, practice your stories (e.g., Skype with colleagues)

prepare for common questions & expected CV related questions

• Q&A
5-10 key questions (culture, job), audience
• Your questions
what are the next steps, summarize the key take aways (fit)
• Ending
Aalto - fostering organizational and professional happiness 6
An authentic story about you that addresses the employers’
interest greatly improves chances of a successful interview.

Me
Audience

Content - Structure - Delivery

Aalto - fostering organizational and professional happiness 7

Your story is much more than your CV: It is a holistic and
integrated look at who you are and how you fit.

Aalto - fostering organizational and professional happiness 8

Answering interview questions is not just about talking:
Think, synthesize and structure your thoughts.

Just do it
1. • Brain works in
2. patterns
me, myself
3. and I
• Three smallest number The three
to define a pattern Musketeers
Mind,
body, • Patterns are more I came, I
spirit convincing and saw, I
memorable A conquered
.
Stop, Look, and Listen B.
Aalto - fostering organizational and professional happiness
C. 9
Zoom Chat Survey 2
3
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40
5
9
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29
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87
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What does your 1. High paced

ideal working
environment look 2. International
like?
3. Team focus

Aalto - fostering organizational and professional happiness 10

Most one hour interviews follow a similar structure.

prepared story, be calm, positive, firm hand shake, high

• Ice Breaker / Small Talk energy level, eye contact, confident, authentic, try to
connect on personal level (vacation, hobbies etc.)

clear, calm, top line (not all details), make sure it comes
• Walk through CV across why you fit the job, max. 5-10 minutes

traditional vs. behavioral interview, use prepared answers,

• Fit Questions stories, clear & concise, max. 1-2 minutes per answer, if
suitable ask questions

be attentive, show interest, let them talk, ask if something

• Company presentation unclear

use prepared questions on your piece of paper, check

• Your questions them off when answered, selectively write down key
answers (culture, job)

next steps, keep energy high, be dynamic, ask if you can

• End follow up if questions

Aalto - fostering organizational and professional happiness 11

Common questions in a traditional job interview.
Personality:
• Tell me about yourself?
• What is your great passion?
• How do you motivate yourself?
• What would colleagues / co-workers tell me about you?
• How do you succeed in establishing work life balance?
• How would you describe yourself?
•What are 2 things your former manager would like you to
improve on?
• What motivates you?
• What gets you up in the morning?
• What are your hobbies?
• What was the last book you’ve read for fun?
Future:
• Where do you see yourself in 3 - 5 years?
• How would you describe your ideal boss?
• In what kind of environment do you work best?
• Are you geographically flexible (relocate/travel)?
• What are you looking for in terms of career development?
Job:
• What did you like most / least in your past job?
• What challenges/tasks do you see in this job?
• Why have you applied for this job?
• Describe your way of working?
• Why do you want to leave your current job?
• What is your dream job?
• Why are you looking for a new job?
• What is your ideal company?
Application:
• Why do you have a gap in your resume?
• Why do you want to work only part time?
• Why have you taken such a long break?
• Do you have other job interviews?
• Why have you changes jobs so frequently?
• Why should we hire you?
• What can you offer us that someone else can not?
• How much would you like to earn?
• Why have you applied for this position?
Strengths / Weaknesses:
• What was your biggest challenges thus far?
• What accomplishment are you most proud of?
• How do you deal with setbacks?
• What are your strengths/weaknesses?
•Where do you see potential for personal growth?
• How do you handle critique?
• How do you perform under stress?
• What was your biggest mistake?
• What was your biggest failure?
Team player:
• Which person didn't you get along with, why?
• How would you describe your leadership style?
•Which role do you typically play within a team?
• What is your opinion on virtual teams?
• Can you say no?
• Are you a leader or a follower?
• How would you fire someone?
Aalto - fostering organizational and professional happiness
Education:
• Why have you studied XYZ?
• Why haven't you studied?
• What have you learned during your studies?
• Why have you studies so long?
• Why haven't you finished your studies?
• How do you educate yourself further?
Company:
• What do you know about our company?
• What do you know about this industry?
• Why do you want to work for us?
• What do you bring to the table?
• Where do you see the industry we are in heading?
• What surprises you about our company?
Brain Teaser
• What would you like to earn?
• Please take this pen and sell it to me.
• How many gas stations are there in Switzerland?
• How many ping pong balls could fit in a SBB train?
12
Technology plays an ever increasing role in the recruiting
process: Interviews are no exception.

Aalto - fostering organizational and professional happiness 13

Zoom Chat Survey 3
2
4
1
5
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46
3
1
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5
9
8
7
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What are your key 1. Structured

strength? approach
2. Stress
resistant
3. Multicultural
environment

Aalto - fostering organizational and professional happiness 14

How to answer behavioral based interview questions using the
STAR-Method.

Question Preparation Situation Task Action Result

S T A R
„Can you provide an • Listen well Provide background and Describe the challenges, Explain exactly what you Articulate the benefits,
example of an • Ask clarifying context information problems did to solve the challenge rewards, successes
innovative solution questions
that you initiated“ • Take 5-10 seconds „In 2016 working at Squid „We had just spent „I contacted our clients „Despite being the most
• Think of a past as sales manager we several millions in R&D and developed innovative expensive product in the
event that fits noticed that the products and had no funds to payment terms (OPEX market we were able to
• Structure your we sold were way too redesign the products to rather than CAPEX) that increase the number of
answer (STAR) expensive and demand be cheaper“ solved the problem“ products sold“
decreased.“

Aalto - fostering organizational and professional happiness 15

 Public

Creating long term financial security

Jackie Bauer, CFA

Pension expert & economist, UBS Chief Investment Office

January 2021
It's demography, stupid – pensioners are growing faster
Growth of Swiss population per age brackets, indexed 2020

1.90

1.80

1.70

1.60

1.50

1.40

1.30

1.20

1.10

1.00

0.90
2019 2021 2023 2025 2027 2029 2031 2033 2035 2037 2039 2041 2043 2045 2047 2049 2051 2053 2055 2057 2059 2061 2063 2065 2067 2069

0-19 20-64 65+

Source: BFS, UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 2
Interest rates: lower for longer or for ever?
Low interest rates make it harder to find stable and secure income

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 3
 Source: UBS CIO G W M
Please pay attention to the disclaimer at the end of the document 4
Labor markets: shifts visible – skills have to adapt

Employment Status of Swiss citizens The Hays Global Skills Index 2019/20

Source: BFS SAKE, Hays, UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 5
Pension system: three pillars – cracking under pressure?
Three pillars –one goal

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 6
Financial markets: return and risk relationship changes

16%

14%

12%
Higher returns
10%
Retur

8%
n

6%
Lower returns
4%

2%

0%
0% 5% 10% 15% 20% 25%
Risk

Past 15 years Next 15 years

Note: Asset classes include USD cash, USD high grade bonds, USD high yield, E M sovereign
bonds, US equities, E M equities (USD), Eurozone equities, Swiss equities, Hedge funds (USD)

Source: Bloomberg, UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 7
 Source: UBS CIO G W M
Please pay attention to the disclaimer at the end of the document 8
 1st pillar: Baby-Boomers finance the AHV – for now
Population number by age, AHV contributions and pension receipts of average Swiss residents, base year 2016

160 30

140

Contribution /Pension per

25

person, per year, in 1000

120
Population in 1000

20
100 Uncovered
pension promises
80 15
135% CH GDP
60 (= implicit
10 government debt)
40
5
20

0 0
0 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 100
Age
Contributions per person Pension per person Population 2018

Source: EFD, BFS, BSV, eigene Berechnungen, UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 9
2nd pillar: pay as you go coming your way
Model calculation

700'000

600'000

500'000
400'000

300'000

200'000

100'000
0

(100'000)

(200'000)
22 24 26 28 30 32 34 36 38 40 42 44 46 48 50 52 54 56 58 60 62 64 66 68 70 72 74 76 78 80 82 84
Age

Pension savings Cumulative interest Pension annuity Pension capital Interest credit

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 10
2nd pillar: lower pensions are inevitable
Interest and conversion rate drive change

- insured income CHF 180000

- pension savings at age 50: CHF 500000

A g e 50 → 65 1990 → 2005 2000 → 2015 2017 → 2032

BVG-interest 4%-2.5% 4%-1.75% 1%

Conversion rate 7.2% /5.8% 6.8 % /5.0% 5.6 % /4.8%

Pension capital 1 550 000.- 1 300 000.- 1 100 000.-

Annual pension 105 000.- 84 000.- 60 000.-

Monthly pension 8750.- 7000.- 5000.-

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 11
3rd pillar: the opportunity for you to take matters in your own hands
Taking advantage of financial market returns is important over the long term

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 12
Every path in life is different
And we need to be prepared for expected and unexpected things

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 13
Young adulthood and partnership
And we need to be prepared for expected and unexpected things

• What are your goals?

• What is your financial strategy?
• Do you own real estate?
• Who takes financial decisions?
• Are you covered against risk?
• Do you have a prenup?
• Do you have a will?

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 14
Family and kids
And we need to be prepared for expected and unexpected things

• How much do your kids cost?

• What kind of education do you want to provide them
with?
• Does your investment strategy need to change with
kids?
• How is your family covered?
• Do you have an advance directive?

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 15
Career and retirement
And we need to be prepared for expected and unexpected things

• When do you plan to retire?

• Do you dream of early retirement?
• Can you afford to retire?
• Do you know how much your lifestyle costs?
• Can you fulfil your dreams?
• Are you prepared for rising old-age care costs?
• Annuity or lump sum pension?
• How do you plan to invest your pension assets?

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 16
Giving and inheritance
And we need to be prepared for expected and unexpected things

• When is it time to sell your house?

• Do you want to engage in philanthropic projects?
• Who shall inherit your wealth and your values?
• How should you invest for the next generation?

Source: UBS CIO G W M

Please pay attention to the disclaimer at the end of the document 17
UBS Wealth Way
Athree-step approach to combine your personal and financial goals

Beyond
0– 3
> 3 Years your
Years
lifetime

Liquidity Longevity Legacy

To secure To secure To support the

your current lifestyle your retirement life of others
Source: UBS CIO G W M
Please pay attention to the disclaimer at the end of the document 18
 Source: UBS CIO G W M
Please pay attention to the disclaimer at the end of the document
Long term financial planning check-list
It starts earlier than you might think

A g e 18–40
– Monthly standing order of 10-15% of your income
– Be aware of your lifestyle costs
– Fill your pillar 3a first and pay into your pension fund but consider exist strategy
– Expand your skills and your network
– Stay healthy physically and mentally
A g e 40–50
– Family situation: marriage contract, lasting power of attorney (LPA), testament, life insurance
– Stay healthy
– Keep your skills up to date
– Regularly review your financial strategy holistically
A g e 50–65
– Start planning your retirement
– Prepare an annual budget
– Adjust your asset allocation
– Buy into your pension fund
– Stay fit to work beyond official retirement age
A g e 65+
– Do your pension fund a favor: smoke, drink, eat and don't do any sports :)
Source: UBS CIO G W M
Please pay attention to the disclaimer at the end of the document 20
Disclaimer
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The investment views have been prepared in accordance with legal requirements designed to promote the independence of investment research.

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Why are we here?
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Source: BFS 2020
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 Koordinations
-abzug
CHF 25'095.-

Lohn:
CHF
75’000.- Koordinations
Versichert: -abzug
CHF Lohn: CHF 25'095.-
49’905.- CHF
37’500.-
Versichert:
CHF 12’405.-

100% 50%
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Source: Beitragsrechner
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Source: http://www.budgetberatung.ch/Budgetbeispiele.19.0.html
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 Teilzeit, Kinderbetreuung und wie ihr
die «Elternschaftsfalle» vermeidet
von Christiane Demgenski
Chief Product Officer bei Awina

Falle 1 - Sich auf die Altersvorsorge des

Partners verlassen
Bei einer Scheidungsrate in der Schweiz von 40 % muss sich jeder für die eigene
finanzielle Zukunft verantwortlich fühlen. Alleinerziehende Mütter haben ein
viermal höheres Risiko, von Armut betroffen zu sein, insbesondere im Alter.
Unverheiratete Paare haben es noch schlimmer, weil im Falle einer Trennung
das Vermögen nicht aufgeteilt wird.

Wie ihr sie vermeidet

Denkt sehr sorgfältig über eure persönliche finanzielle Zukunft nach, bevor
ihr eine lange Karrierepause einlegt oder lange in Niedrigpensen arbeitet.
Spart euer Geld und investiert es langfristig. Wendet euch an Jackie Bauer
von UBS um zu erfahren, wie ihr das am besten macht.
Wenn eine Karrierepause absolut notwendig ist: haltet euer berufliches
Netzwerk aktiv und verfolgt Veränderungen in eurem Fachgebiet. Bereitet
einen Plan vor, wann und wie ihr wieder einsteigen werdet.
Falls ihr nicht verheiratet seid: ihr solltet keine Karrierepause einlegen oder
weniger als 70-80% arbeiten.
Falls ihr eine Expat-Partnerin seid: die Gesetzgebung über Scheidung kann
von Land zu Land drastisch variieren. Schützt euch.

Falle 2 - Teilzeit
Fast 80% der Frauen haben im Alter nur die 1. Säule. Das geht nur gut, wenn der
Partner seine 2. und 3. Säule mit euch teilt. Ihr arbeitet vielleicht Teilzeit, aber
der Koordinationsabzug nicht: in der Regel werden CHF 25'000.- von eurem
Lohn abgezogen, und nur der Rest wird über die 2. Säule versichert.

Wie ihr sie vermeidet

Im Durchschnitt mindestens 60% arbeiten. Verwendet den Rechner unten um
herauszufinden, wie viel ihr arbeiten müsstet um dorthin zu kommen.
Füllt jedes Jahr die 3. Säule und investiert eure Ersparnisse.
Falls ihr Teilzeit arbeitet: bittet eure Pensionskasse, den Koordinationsabzugs
proportional zu eurem Pensum abzuziehen, sodass bei 70% Pensum nur 70%
des Koordinationsabzug abgezogen werden.
Falls ihr mehrere Teilzeitjobs habt: addiert alle Gehälter bei einer einzigen
Pensionskasse zusammen, dann wird der Koordinationsabzug nur einmal
abgezogen.

Falle 3 - Nicht in Kinderbetreuung

investieren
Die Ganztagsbetreuung in der Kita kostet pro Monat CHF 3'200.- für ein Baby
und CHF 2'500.- für ein Kleinkind. Bis zum Kindergarten sind das CHF 115'000.-
für ein Kind und CHF 230'000.- für zwei. Bei einem Durchschnittseinkommen
gibt es nicht viel Subventionen. Die Versuchung, die Karriere zu unterbrechen
oder in ein Niedrigpensum zu wechseln, ist gross.

Wie ihr sie vermeidet

Rechnet. Welche Beförderungen und Gehaltserhöhungen würdet ihr
Für weitere Hilfe:
in derselben Zeit bekommen? Was sind die Opportunitätskosten,
wenn ihr nicht arbeitet?
Kontaktiert mich bei
Wie schnell entwickelt sich euer Fachgebiet weiter? Könnt ihr einen
Awina. Awina unterstützt
Schritt zurück machen und trotzdem mithalten, oder werdet ihr
Familien bei der
weiter unten wieder anfangen?
Finanzierung der Kita-
Verhandelt euren Lohn. Wies Bratby z.B. bringt Frauen bei, wie man
Kosten.
verhandelt: womeninnegotiation.org
Verhandelt eure Arbeitsbedingungen. Könnt ihr mehr Home Office
Beispiel:
machen oder flexible Arbeitszeiten haben?
Statt CHF 2’000.- pro
Monat für 4 Jahre zahlt
ihr CHF 1’000.- pro Monat
für 8 Jahre (+ niedriger
Zins).

Rechner Frauen weltweit unterstützen

Mit diesem Rechner könnt ihr herausfinden, wie viele Jahre ihr
hochprozentig arbeiten müsstet, um niedrige Teilzeitpensen wieder
auszugleichen und um durchschnittlich mindestens 60% gearbeitet zu
haben.
Awina verlost drei $25 Gutscheine für Kiva, eine NGO die kleine
(inbesondere frauengeführte) Unternehmen mit Mikrokrediten
unterstützt.
Folgt Awina auf Instagram & Linkedin und schickt uns eine DM mit
dem Hinweis «Career Relaunch» vor Mitternacht am 29. Januar und
wir nehmen euch in die Verlosung auf!

Scannt den QR-Code, um zum Rechner zu gelangen!

KONTAKTIERT UNS
LINKEDIN I CHRISTIANE@AWINA.CH I AWINA.CH
Why are we here?
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Source: BFS 2020
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 Coordination
Deduction
CHF 25'095.-

Salary:
CHF
75’000.- Coordination
Insured: Deduction
CHF Salary: CHF 25'095.-
49’905.- CHF
37’500.-
Insured:
CHF 12’405.-

100% 50%
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Source: Beitragsrechner
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Source: http://www.budgetberatung.ch/Budgetbeispiele.19.0.html
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 Part-time, Childcare and How
to Avoid the Parenthood Trap
By Christiane Demgenski
Chief Product Officer at Awina

Trap 1 - Relying on a spouse’s

retirement plan
With Switzerland's divorce rate at 40%, everybody should feel responsible for
their own financial future. Single moms especially are four times more likely to
suffer from poverty, particularly when they retire. Unmarried couples have it
even worse, because there is no sharing of assets in case of separation.

How to avoid it
Carefully consider your personal financial future before taking a long career
breaking or working low part-time.
Put money aside and invest it long-term. Reach out to Jackie Bauer from
UBS for why and how.
If you have to take a break: keep your professional network active and stay
up-to-date with changes in your field. Have a plan in place for when and
how you’ll start again.
If you’re a trailing spouse: divorce laws can diverge drastically from country
to country. Protect yourself.

Trap 2 - Part-time work

Almost 80% of women only have their 1st pillar for retirement. That only works
out if you have a partner who shares their 2nd or 3rd pillar with you. You may
work part-time, but the Coordination Deduction doesn’t: by default, it takes out
CHF 25’000.- of your salary, and only the rest is insured with your 2nd pillar.

How to avoid it
Work at least 60% on average. Go to the calculator below to find out how
much you need to work to get there.
Fill out your 3rd pillar every year and invest your savings. If you work part-
time: ask your pension fund to reduce the Coordination Deduction
proportionally, so that if you work 70% they only deduct 70% of the
Coordination Deduction.
If you work several jobs: get both incomes added up for one pension fund
so that the Coordination Deduction only gets deducted once.

Trap 3 - Not investing in daycare

Full-time childcare costs CHF 3'200.- for a baby and CHF 2’500.- for a toddler
per month. That’s CHF 115’000.- until kindergarten for one child and CHF
230’000.- for two. With an average income, subsidies don’t help much. The
temptation to take a career break or reduce your workload is high.

How to avoid it Still need help?

Do the math. What promotions and salary increases could you
expect? What’s the opportunity cost of not working?
Contact me at Awina.
How fast does your field evolve? Can you step back and still keep up,
We help families finance
or will you start a few rungs below?
daycare by spreading
Negotiate your salary. Check out Wies Bratby at
out the cost.
womeninnegotiation.org to learn how.
Negotiate your work conditions. Can you do more home office or
Example:
work flexible hours?
instead of paying CHF
2’000.- every month for
four years, you pay CHF
1’000.- per month for
eight years (+ low
interest fee).

Calculator Empower women worldwide

With this calculator, you can find out how many years you would have
to work full-time to make up for low part-time work and to have
worked an average of at least 60%.
Want a chance to win one of three $25 Kiva vouchers to support a
woman’s entrepreneurial journey with a microloan?
Follow Awina on Instagram & Linkedin and send us a direct message
with the mention “Career Relaunch” before midnight on January 29th
and we’ll enter you into the raffle!

Scan the QR code to access the calculator!

GET IN TOUCH
LINKEDIN I CHRISTIANE@AWINA.CH I AWINA.CH
Save the date - “Career Relaunch 2022” in January 2022