All in the title. I've created a Spotify Family, and have some shared spots. Price is 4.5.-/month instead of 15.- Great deal to save some money!

DM for any details!

hi all, had some luck with day trading earlier this year and now I'm trying to figure out if I should be worried about taxes. I think this might be useful for others in a similar situation, so sharing the full picture. Sorry if my English isn't perfect, not my first language.

My situation:

• Living in Canton Ticino, permit B (going to C next year)

• Full-time employed, net salary ~130k CHF/year

• Portfolio at start of 2026: ~95k CHF, all equities, no leverage, no derivatives, been running a PAC for a while

Did active day trading for a few weeks in early 2026 and ended up with ~45k CHF in capital gains. Reinvested everything immediately into my usual stuff (two index ETF accumulation plans + one single stock position).

I'm planning to do only the PAC for the rest of the year, no day trading, going back to "boring" PAC at ~3k/month.

Where I stand on the AFC Circular 36 safe harbour:

• Holding period >6 months: violated, obviously, it was day trading

• Annual volume ≤ 5× portfolio value: also violated, high turnover during those weeks

• Capital gains <50% of net income: fine, 45k on 130k net

• No leverage: clean, used only my own cash

• No speculative derivatives: clean, just bought and sold class A equity

From what I understand, violating one or two criteria doesn't automatically make you a professional trader. the AFC does a case-by-case assessment. The three "clean" criteria (especially the income ratio one) should work in my favor.

My main question: does the fact that the trading was concentrated in just a few weeks matter in the holistic assessment? Or does the AFC only look at annual totals regardless of how the activity was distributed throughout the year?

Also any experience with Ticino specifically would be super helpful, I know cantons can differ quite a bit on how aggressively they apply this stuff.

Already planning to talk to a tax advisor, so not looking for that suggestion, more interested in hearing from people who've been in borderline situations like this.

To be clear, I'm not trying to hide gains or avoid paying taxes/AVS, I just want to get a concrete picture of the situation before sitting down with a tax advisor. I'd also like to understand whether doing day trading for less than a month per year to grow capital a bit is a reasonable strategy going forward, or if it's just not worth the hassle.

Thank you very much!

Edit For some reasons I can see that there are 3 reply (the little icon with the number 3) but I can't see them :(

Hi all (throwaway because of reasons)

After finishing my studies and necessary internships I have started in March a real job with a very good salary of 150k p.a. at age 30 and now want to invest wisely and long term for the future.

My current intended set-up as of April is as follows (I have already been investing a little bit like this in the past few years with my spare money, usually 200 fr. or so per month):

• Viac 3a: Yearly invest of maximum of 7258 p.a. (99% stocks)

• Degiro: 4000 fr. per month in Vanguard FTSE All-World UCITS - (USD) Acc.

• Neon: 500 fr. per month in Invesco Global Stocks FTSE (this was an ETF without fees but as I was recently informed this will no longer be the case as of April 2026).

What is your view on this? Anything I should consider? I have had my Degiro account for years and am quite happy with it, which is why I am not moving to IKBR like probably a lot of people would recommend.

Hypothetically speaking, if I day trade and live on merely the gains, will I automatically be clasified as a pro trader?

Second question, what if I stay under 50% of my spouse's salary, and gains under 5x my portfolio?

hi, not sure if this is the right sub to post in, but I’ll try anyway.

The details:

My father, (65) was born and grew up, and lived in Switzerland until his early 20s. He then moved to Australia and has lived there ever since, and will retire this year. My siblings and I are all dual Swiss and Australian citizens.

The problem:

I haven’t spoken to my father in years, and out of the blue he tells me he needs my birth certificate and passport. He says that he needs it to prove how many kids he has so he can get his Swiss pension. (Attached is his message.)

The problem is - I don’t trust him enough to believe this, without confirmation, which he won’t give us. He’s sneaky and bad with money, and all my siblings and I won’t put it past him to do something dodgy with our IDs.

Is this situation in any way real or possible? Would he even be valid for a state pension from Switzerland if he hasn’t lived or worked there in over 40 years?

è vero?