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@truebeliever344 I make less than 120k for the moment, and if I would declare my own taxes I would need to pay 3-4k more in taxes considering every deductions I can make. Thank you for your answer, I think I will stick with IBKR for the moment

Thank you guys for your responses, you have confirmed that I made a mistake. Can I somehow take the money out of my 3a and still stay in Switzerland without buying a house or anything like that? Just plain cash and close my account?

@satrebor I think I will never buy a house in Switzerland since it is a bad investment decision, only a lifestyle choice, I would like to retire abroad, maybe in Greece or Italy. Thank you for your comment :)

@smta276603 Okay, that is nice to know, so I don't pay capital gain tax, only wealth tax, nice

Hello, I'm a newbie here in Switzerland and I think I already made a mistake. I'm on a B permit and after calculating my tax (Zürich), I'm saving 4000 on taxes by remaining on B permit and not declaring my 3a holdings. Unfortunately, I invested 7k last year into it, so I don't have access to...