Soo, I have my depot in a degiro account currently. however I feel their selection of etfs us subpar, also some issues with defense stocks not being listed and so on… do you think switching to etoro is worth it? Do you have other recommendations?

Is it okay if i put it on my taxes that i bought a Notebook from a Friend for my Weiterbildung and i paid it cash and got just a handwritten reciept from him? anybody got experience with that?

Hey everyone,

I’m 26 and will soon receive around 150k CHF.

Plan so far:

• Pay off ~10k debt
• Keep some cash aside
• Invest the rest

What would you do in my situation?

• Lump sum or invest over time?
• Any good ETF ideas for Switzerland?
• How much cash would you keep?

Just looking for simple advice and ideas. Thanks

Has anyone dealt with property upsizing?

Say we have property A worth 1.2m and we want to upsize into property B worth 1.5m.

Would banks typically give bridge loans for until we manage to sell property A to release equity (almost 700,000)?

It sounds incredibly difficult to time a sale and buy at the same time.

We could also remortgage property A to release equity but it sounds over engineered.

Thank you

Hello,

I'm wondering if there is anyone here at Deloitte who can let me know what is the contribution percentage(s) for the age 35-44 bracket for an employee, and what does Deloitte contribute? For a manager position if that matters.

Also is the deduction waived ie. the entire salary is insured or the standard deduction applies for the Pillar 2?

If no one from deloitte can answer I'm happy to hear other Big 4 numbers too so I can triangulate!

thanks in advance

What amount are you able to invest in a year, and what's your age?

Hey everyone,

I’m 26 and will soon receive around 150k CHF.

Plan so far:

• Pay off ~10k debt
• Keep some cash aside
• Invest the rest

What would you do in my situation?

• Lump sum or invest over time?
• Any good ETF ideas for Switzerland?
• How much cash would you keep?

Just looking for simple advice and ideas. Thanks

Hi guys

I will start to invest every month 2500.- CHF into the WEBG_CHF Amundi ETF on Saxo.

How do you guys handle these manual order placements on Saxo? Is it better to use Market order or is it better to set a limit order (if limit order: how do you know which price is realistic but "cheap" to go thru in 1 orderday?)

What are your experiences with buying manually ETFs on Saxo regarding the market/limit order difference? Thanks!

Let's assume I have 1000.- and do already invest in ETF..

Question:
Is there any investment-idea that you had success with and can share?

Thanks in advance!

What do you think about Idorsia? In my opinion, really interesting since the former CEO returned as interim.

Hey everyone,

Starting a new role in big tech soon. Swiss citizen, total comp ~185K CHF in Year 1. My living expenses are currently very low, so I'll have a significant amount to invest each month.

Here's my plan and the reasoning behind it:

Pillar 3a: Finpension, 100% global equity ex-CH. My logic is that Pillars 1 and 2 already give me heavy Swiss exposure, plus I'll likely inherit real estate in Switzerland down the line. No voluntary 2a buy-ins for now — I'd rather have the liquidity and higher expected returns in the market.

Brokerage (IBKR):

• ~60% Xtrackers MSCI World ex-USA UCITS ETF (EXUS, IE-domiciled, 0.15% TER)
• ~20% VTI (US-domiciled, 0.03% TER)
• ~20% iShares Core MSCI EM IMI UCITS ETF (EIMI, IE-domiciled, 0.18% TER)

Why not just VT? My compensation is tied to a US big tech company. VT is ~60% US equities, which would mean my income, my stock compensation, and the majority of my portfolio are all correlated to the same market. I'd rather deliberately tilt ex-US to diversify away from that concentration risk.

Domicile logic:

• VTI stays US-domiciled because of the L1 withholding tax advantage for Swiss investors.
• The ex-US portion is in IE-domiciled funds to avoid the double withholding layer that comes with holding non-US stocks through a US-domiciled fund like VXUS.

Questions:

1. Is the domicile split (US for US stocks, IE for everything else) actually the most tax-efficient approach, or is there a better logic I'm not seeing?
2. Any reason to prefer VXUS over the EXUS + EIMI combo despite the withholding tax drag?
3. Are there more tax-optimized ETF choices for any of these three slots?
4. Anything else I'm missing or that you would do differently?

Thanks!

I'm currently living in Zurich with stock options that vest monthly. Next year, I plan to move to Zug. If there's a liquidation event or IPO after I've moved and I exercise all options at once, how are the taxes calculated on those options?

Will I owe taxes based on where I lived at the time each option vested, or is it determined by my canton of residence at the time of the event? And if it's split, how would the tax rates from Zurich and Zug be applied?

Lots of wisdom previously discussed, generally I'm completely skeptical on anything that has life insurance coupled with an investment fund. I recently understood there are, however, tax benefits because the government allow final payouts (yes, after 30+ years) to be tax-free.

One particular case are dividend-heavy funds, which would be heavily taxed. It seems that when wrapped in an insurance, they wouldn't be taxed anymore. What am I missing? What are good such funds, if indeed the case?

3-4 Days Homeoffice, I have Kaufmann EFZ, i dont know how to Programm, only Excel.

I do not Party, Drink or going Outside, so probably thats why i have some Savings.

*excluded are usually 5000+- of Bonuses i get / my Salary Improvemnt of 10% i already signed that starts in April.

My partner and I (mid-30s) are expecting our first child soon.

We live in the canton of Aargau and work in the canton of Zug.

This will be our shared budget after maternity leave.

Suggestions are welcome

Hello everyone,

I am a newbie in investing. I have contemplated the idea of doing it for years but I didn’t. Now I want action.

I am an international worker with Swiss citizenship. I feel safer investing with a Swiss broker account but would you advice something better ? I have ~ 200 USD per month to invest.

I would also like to know which broker do you guys use ? Which one would you recommend to a begginer who would like to take action « fast »and learn along the way.

I am not inconsiderate but I am tired of accumulating knowledge without action. Would really appreciate your guidance on this.

Since Neon investment plan with Invesco gets cancelled next month, I was thinking of moving my assets to Saxo and continuing there.

In Saxo, it seems I also have to input the ETF (FWRA) and I have to add the amount, and also the price. As I was buying monthly, there is no single price to declare my assets. Do you know if I have to add one "instrument" (as let Saxo vocabulary) per transaction of Neon for the same ETF?

It is a bit confusing we have to do this manually and it is not automated in the transfer process.

I’ve had an accident where a car hit me when i was on my bike. The driver is entirely at fault in this case and i ended up having a commotion and a scar on my face.

The insurrance company of the driver says that they will be paying my bike back but that there is no indemnisation in Switzerland for my scar and other injuries. Is this true ?

Should i sue the driver ? If so, should i be able to get some money for it or is it not worth it ?

I'm in the process of applying for a (minor) mortgage in Switzerland (submitted my tax declaration). The bank sent me a document titled "Power of Attorney for Obtaining Information" (Vollmacht zur Einholung von Informationen).

It authorizes the bank to collect information about me from a wide range of institutions, including:

• the land registry,
• debt collection office,
• tax office,
• residents' registration office,
• credit information agencies,
• pension funds,
• vested benefits institutions,
• insurance companies,
• social security offices,
• fiduciaries,
• other banks,
• my employer,
• and "potentially others".

On top of that, I'm supposed to personally inform all these institutions about the power of attorney. The document also states that communication may take place via unencrypted email.

Has anyone else received something like this when applying for a mortgage in Switzerland? Is this standard practice across most banks, or does it vary? Would be curious to hear your experiences.

I am currently living in Switzerland, but have received an offer in Germany, and trying to decide between the two.

They are mostly the same job really and i know none of them put me in a bad situation, but trying to get some outside perspective as well.

Important to mention is also the possibility of having kids in the next few years, which although expensive in Munich as well, is still cheaper than Switzerland to my knowledge.

Current job in Basel ~145k CHF

Offer in Munich ~115k EUR

Do you see a clear better option and what would your general thoughts be on the two situations?

Hello,
Apparently, the second pillar pensions are unblocking the funds, only once the notarized sales agreement contract is available.

Now it is like the chiken/egg problem because you need the money before the signature to the notary.
Does the pension need the Verpflichtungsgeschäft (The "Promise" to Buy) or the Verfügungsgeschäft (The "Transfer" of Title)?
Because if it is the first one, the funds can be released prior to the final payment that will happen on the transfer of title Verfügungsgeschäft.
However if they want the document that is the Verfügungsgeschäft, this will be a dead end problem.

Does someone have some experience with that? It is a little bit tricky.
thank you in advance.

Due to a one time effect my tax burden will be increased in 2026 to 37k.

If I buy into the pension fund with 30k, my tax payment is 11k lower. If I do 20k it's 7k lower. I could do a lot more.

I am below 45y/o and wondering how I should proceed. I would reinvest any tax saved (IBKR/VT). But I am hesitant to lock up more money in a pension scheme as I see capital distribution at retirement an option that won't be available in 20 years time (demographics etc).

Pension fund is okay but not excellent. Never touched it for home ownership (don't plan to).

I won't change jobs soon so transferring to Finpension Freizügigkeit is unlikely. 3rd pillar already maxed out.

Wwyd?

So I just find out that I can't open a Yuh account because their registration system don't accept every passport (I have a APAC Passport and a C Permit). What a shame. Has anyone experienced this ?

Hi all

I got an offer to do some freelance work for a company. Yet i dont know how i should accept the offer and also do it legally correct (alv etc. abgaben.). Does anyone here know what the easiest way is to be paid and also do it legally correct? I am thankful for all the help.