personal finance in switzerland

I used the search enginge and have not found anyone talking about it. On the website they talk about filling out an W-8 and i dont understand what i need to do as a swiss resident, do i need to fill that form every 3 years out? What tax benefeits are there?

As a beginner using Interactive Brokers and wishing to invest in an accumulating ETF replicating the S&P 500, I'm wondering whether the gain made with an ETF like the iShares Core S&P 500 UCITS ETF (Acc) or the Vanguard S&P 500 UCITS ETF (USD) won't be outweighed by the devaluation of the USD...

Dear all, I am an immigrant with B permit. I used to be a UBS customer since that was the easiest account to open by the time I got to CH. Last year, after some reading online, I transitioned to Neon. However, I must say that I am not 100% satisfied. I absolutely love the fact that payments in...

Update: I called their support. Even they don’t know what they say. Supposedly I changed my address (I didn’t) and I had to wait “for the server to be reset between 5:45 to 6:45 CET before trying to trade again”. Probably on the call they confirmed my personal info and fixed the issue. A few...

Hello everyone! I'm at the point where I'd like to revisit my bond allocation. My portfolio is currently 50% VTI, 35% IXUS, and 15% cash, excluding Pillar 2. Pillar 2 accounts for ~15% of my net wealth. It's my understanding that the purpose of bonds is to provide "ballast" during market...

Hey everyone, curious if someone can help us here. I own multiple properties privately, which I rent out. The banks calculate the affordability against my salary with the hypothetical mortgage rate of 5%. I want to buy another property but one bank says that my income is not sufficient...

How do you guys invest in Gold? I want to update my portfolio with approx 5% Gold. There are 3 ways, I dont know which is the best. Buy real gold (50g -> 2% Spread / cost for storage + risk) Buy gold ETF (UBS ETF Gold / TER: 0.23% p.a.) Swissquote Currency Exchange (CHF -> XAU) Does someone...

I’m currently evaluating whether to stick with a traditional rental deposit at Lienhardt und Partner or switch to Swisscaution, and I could use your collective wisdom. Based on my calculations, opting for Swisscaution seems justifiable only if I can achieve an investment return of over 5%...

I have my Pillar 3a through my bank and it has gained zero value beyond my own contributions (i.e., it has lost value due to inflation). I always max out my Pillar 3a. Where do people house Pillar 3a accounts that actually grow? In an attempt to learn about alternatives, I asked for an...

Hi everyone, I have a doubt about how to increase my exposure to fixed income instruments. The boundary conditions: Current allocation: emergency fund in a HYSA, while my investments are fully in cheap stocks ETFs (80% world and 20% swiss for some local bias) Life situation: 35, employed...

I bought a house for 600k 8 years ago, with a loan of 450k. I managed to bring the mortgage down to 180k. I'm 45 and my partner and I earn, in total, ca. 300k chf/y. Should I try to extinguish my mortage, aiming at paying back ca. 30k/y, or should I stop throwing money at it? FYI I'm investing...

Hallo Bis Dezember 2023 habe ich den VWCE (IE00BK5BQT80) jeden Monat bei Degiro gekauft. Leider war es ab Dezember wegen KID nicht mehr möglich, diesen ETF weiter zu kaufen. Da ich weiterhin einen globalen ETF kaufen wollte, begann ich mit dem Kauf von EUNL (IE00B4L5Y983). Aber ich glaube, ich...

Scenario: Parents have 50/50 custody Parent A is mostly working Parent B is mostly "obhut", but also working somewhat. There are guidelines for how much parent A should pay parent B for "obhut", and for how long? I cannot seem to find this online... anyone know where to find it? When are...

Here is my problem: I have a Trezor Safe 3 Wallet and I want to regularly buy certain cryptocurrencies (weekly) while keeping them secure in my cold wallet. For your information, I’m somewhat of a beginner in this field, but I still have some basic knowledge. Since I have CHF in my account, the...

Hi Everyone, I'm a foreign student starting soon my PhD. Salary starts from CHF75K and increases by CHF5K annually. I'll be living in Zurich. All of my CHF money is currently managed at the Zurcherkantonalbank. I want to put some of the money aside as an investment so that it doesn't gathers...

I see many people like ETFs in this sub, but I am a little concerned about the dividends taxation, that from what I understood is going to get triggered even for accumulating ETFs that just reinvest dividends My question is whether there is a more efficient way to invest in stock that avoids...

Hello SwissPersonalFinance community, I'm looking to start investing in a S&P 500 ETF and would like to take your insights on the best approach in Switzerland. My main question is whether it's more advantageous to invest in an ETF denominated in USD or in CHF. For example, VOO is in USD but has...

Not sure if the q. is right here but.. what's the swiss answer to idealo.de? I only know toppreise.ch and it's... Thanks.

Hey everyone, I have been looking into the new Finpension Wealth management product. My investment strategy is "Buy and Hold". An initial large lump sum and then yearly smaller deposits. I am well aware after reading blogs and posts on the internet of the general consensus that the best...

Hey guys, I‘m 24 and pretty new to investing and recently started buying the Invesco FTSE All-World on Neon, because it can be bought without transaction fees and Neon has no custody fees. I also want to start putting money into my pillar 3a and created an account on finpension as it offers...