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@tierras That’s the tax rate that you pay for your last CHF earned. For example, you earn 105k, the first 100k are taxed at 20% and the next 10k are taxed at 25%. Your marginal tax rate would be 25% which is the tax you pay or save if you add/remove 1 CHF of taxable income. Note that your...

@tierras Generally, if you are young, it's best to invest yourself as the returns are low, but there are a few considerations: - If the employer matches your 1.5x, that's more likely to be a good deal - If you are close to retirement (less time to compound and more volatility risk), that's...

@quant Correct, Finpension has a global small cap fund, I have similar: 10% small cap, 10% emerging markets, rest in global passive. Also no Swiss for similar reasons as you

@jamesf123 I just calculated fixed costs of owning a car (insurance, tax, depreciation, parking, wheels, budget for repairs) vs. Mobility (subscription). So the starting cost of owning a car is much higher. Once you start making Km, the cost per Km of owning a car is basically fuel, vs...

@jamesf123 I had a similar situation. The car broke down and had to decide. I ran my numbers and decided that as long as I would drive less than 5,000 Km per year, it was better to just use Mobility. Yes, it becomes expensive for longer trips, but still. It's also peace of mind that I don't have...

@blueshaz I can confirm I did this completely digitally this week.

@agedintheozarks You can only cash out your 2nd pillar under very specific conditions, which don’t seem to apply here. But you can move it to a vested benefit account with finpension or VIAC and have it invested and growing tax free. Most of the answers to your questions you can probably find...

@labryan This is valid advice if you are fixated with having a Swiss broker, and it's a questionable portfolio (why only US and Swiss Dividend payers?). Personally, 1% of a trade is not a price I am willing to pay IBKR trading fee is 0.35 USD for US ETFs and about 4 CHF for Swiss ones.

@jaylyn Swiss stocks: If you want to invest in for example CHSPI you will need to bite the bullet and pay the high transaction cost. You can just buy a larger amount less frequently to minimize the overall cost. Alternative: put your home bias in your 3rd Pillar and keep the allocation at an...

@twobraids There are plenty of REITs. I personally have a small allocation to AVRE. If you are concerned about P/E ratios of megacaps, you may want to factor-load small-cap value (like AVUV and AVDV), but this has not been a profitable bet in the past years. You may note all those funds are...