personal finance in switzerland

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...

Hello Everybody, Im currently freshing up on my financial knowledge, and as always have been browsing the justETF webpage. Ive seen that there is an option on the MSCI World to ex USA now i would like to have your opinion on it ? what are the risk etc ? Here is the video for it : Cheers

In the near future, I need a new car. (let's assume, for the sake of the argument, I actually need it). I have no perspective, since I've always bought cars with cash. I'm now reconsidering this for various reasons. Those of you who do or did lease a car: How much do/did you spend per month...

As the pension fund of my employer has given me an interest of 1% for 2023 on my money invested there (and the years before were not much better - mostly just the BVG minimum), I have been looking into other pension funds. I found this comparison by some organisation. It seems to me that most...

My company offers 2 levels of pension contributions: normal (x CHF/month from my salary) or plus (1.5x CHF/month), contributing with equal amounts. Should I go for the plus option, or the normal option and put that extra 0.5x in VT and VOO?

Anyone already filed a DA-1 for the dividends in an *accumulating* ETF whilst still holding the ETF shares? Question 1: Do you file the DA-1 right in the year when dividends are received in the ETF, even though the swiss state does not tax them yet? Or do you file it just when selling the...

Hi guys, I tried to find an answer in this subreddit and also on the pages of the Swiss banks that offer mortgages but I can’t seem to comprehend yet the aspects of the second mortgage. In which situation a second mortgage can help? Can I for example reduce my monthly payment or is it just for...

Hey all, I'm a newbie in this channel, so I hope you bear with my first question. :) I recently received a bigger lump sum and now I'm at the crossroads of how to invest it. I do already own a Schwab International broker account in the US with a W-8BEN and I bought some stocks with decent wins...

Hi all, This topic is widely discussed on other threads but I would like to gather more, ideally up to date, opinions. I have most of my savings in VOO + V T with InteractiveBrokers. My tax accountant recommended energetically to move some of that (if not all) to pillar 3b claiming that: - If...

Hi all, I need a support to sort it out the following case. I have some EUR in a saving account in my bank. As of today it is giving a 0.8% interest. This money is intended to be part of the emergency fund and I'm not planning to touch it unless it is strictly necessary. I would like to find...

Edit* thanks for all the feedback. I will go for VT :) Hi SwissPersonalFinance Community, I have tried to search around in this group to find a solution, but could not really find, what I was looking for, so I seek your expertise. I would like to invest in a ETF, with following criteria: -...

May I ask your help on some questions? 1) Is it better to purchase complete VT ETF shares or also fractions? (i.e. if I have 1000 USD I may buy 9 shares and have some USD left over, or I can force it to buy fractional shares with the remaining USD, I think). Any implications? 2) What fee...

So I've been following this thread However, I can't replicate the answers provided in the thread. For example someone links this blog post: https://investinghero.ch/how-to-buy-bitcoin-switzerland/ which states: Coinbase Trading: 0.50% Withdrawl: 2.49% Kraken Trading: 0% to 0.26% based on...

So I posted on the ask Switzerland subreddit about a month ago about the ending of my relationship and whether to stay in the apartment when she leaves. Nothing has happened yet and I’m still in a position where I could find a new place or stay where I am. But I still can’t shake the feeling...

Hey guys, My GF just started a 3-year education study, I try to compensate her lost income in the following 3 years. But I'm not sure how much I can work until I pay way more taxed that I do currently. She can't work part-time since the study is full-time. Her income drops from around 5800 CHF...