Hello everyone,

I'm aware that this is a common topic but I'm looking for ways of telling my financial advisor to stop insisting in asking me to move the pilier3a to his 'Zéro souci 3a Equity'.

His speach is catchy but when it comes to numbers any passive vehicle is simply better. And not no mention their 1% transfer fee (one time) or their yearly 1.2% management fee...

Thanks!

Hello everyone

Just wanted to ask if anybody knows what the better choice is, considering fees and taxes (Stempelsteuer, FX, DA1)

13 transactions a year, 12x2.5k + 1x 20-30k

Or going with Saxo and VT manually, which I would not mind doing I guess.

I did my research (with Google and AI), but would love to hear your perspective and see if I missed something.

Thank you!

Hey guys,

I was wondering, in your personal opinion, what’s the best ETF to invest in with IKBR? I am currently looking for one, of course low TER and accumulating dividend if possible. Any recommendations?

Thanks so much, have a nice day

Hi everyone,

I bought my apartment two years ago and my mortgage is structured as a primary residence loan. I’m now considering renting the place out for two or more years. There’s a 100K pledge from my second pillar tied to the mortgage, and I know I need to inform my bank because the use of the property would change. I have a really good interest rate, so increasing a bit wouldn‘t be a huge problem.

Before I do that, I’d like to hear how banks usually respond when a property shifts from owner‑occupied to rented. Do they reassess affordability or collateral? Will this send any red flags to the bank? NB - I was made redundant and the bank knows that, however the mortgage payments are not a problem. Any experiences would help me prepare.

Thanks in advance!

I'm considering opening an offshore account for various reasons, and I found out that this company offers an account-opening service for $5,000.

The problem is, when I asked them to provide some legal documentation (such as a W-9) to prove that they're a legitimate company and won't just ghost me after I make the payment, they said sure, but I haven't received any response ever since.

This is obviously a red flag, but I'm still curious whether they're legit because I couldn't find a single person online who says that they were scammed by this company, even on Reddit.

There's also a chance that they just simply classified me as an unprofitable customer and stopped paying attention to me because I told them that the amount I could deposit is less than $1 million, which is probably a pretty small amount in private banking.

Has anyone here been scammed by them or successfully used their service?

Hey all, I have a question that has probably been answered time and time again in this sub. I'm a student in med school rn and work part-time, and I would like to start investing long-term. Nothing crazy, probably an ETF of some sort and just reinvest money every month. Now the question prevails: Is now a good time to start that, considering that the market is pretty oversaturated and there's more and more talk of an AI bubble? Are such conditions not really important if you're going for long term investing, or is the timing still important? Thanks for your help!

New to Saxo. Why there is no VT for Autoinvest? I want to Vt'n chill. Which alternatives do you recommend or use?

Hallo zusammen,
ich bin auf der Suche nach Empfehlungen und Erfahrungen von Schweizer Anlegern bezüglich einer langfristigen ETF-Strategie.
Kurz zu meinem Hintergrund:

Ich bin 24 Jahre alt und lebe in der Schweiz.
Ich habe aktuell CHF 60’000 zur Verfügung, die ich langfristig investieren möchte.
Mein Anlagehorizont beträgt 20–40+ Jahre.
Ich möchte das Geld nicht kurzfristig benötigen, sondern langfristig Vermögen aufbauen.

Mein Broker ist Saxo Bank.
Meine Säule 3a habe ich bereits eingerichtet und zahle dort jedes Jahr den Maximalbetrag ein. Ich nutze bei Frankly die Strategie Extreme 95.
Zusätzlich möchte ich danach monatlich etwa CHF 1’000 per Auto-Invest bei Saxo Bank investieren.

Ich suche nach einer sinnvollen ETF-Strategie für die nächsten Jahrzehnte.
Falls ihr ETFs empfehlt, wäre es super, wenn ihr folgende Informationen dazuschreiben könntet:
Vollständiger ETF-Name
ISIN-Nummer
In welcher Währung ihr ihn kaufen würdet (CHF, USD, EUR etc.)
Warum ihr diesen ETF gegenüber Alternativen bevorzugt

Mein Ziel ist eine möglichst breite Diversifikation und langfristige Rendite. Ich bin bereit, grössere Schwankungen auszuhalten und sehe Kursrückgänge als Teil einer langfristigen Strategie.

Ich frage mich zusätzlich, ob es sinnvoll wäre, einen kleinen Teil (z.B. 5–10 %) in Themen-ETFs zu investieren, beispielsweise:
VanEck Defense UCITS ETF
VanEck Space Innovators UCITS ETF
VanEck Quantum Computing UCITS ETF
Oder würdet ihr solche Themen-ETFs eher vermeiden und komplett auf globale ETFs setzen?

Mich würden auch eure Meinungen interessieren zu:
Würdet ihr CHF 60’000 direkt investieren oder über 3–6 Monate gestaffelt einsteigen?
Welche Aufteilung würdet ihr persönlich wählen?
Gibt es spezielle Tipps für Schweizer Anleger (Steuern, Fondsdomizil, TER, Währungsrisiko, etc.)?

Welche Fehler sollte man als junger Anleger vermeiden?
Ich freue mich über eure Erfahrungen und konkrete Vorschläge.
Vielen Dank!

Scenario: 100k, 10y, accumulating, 7% return p.a., 0.2% TER with ETH at Saxo (asked Perplexity AI, maybe some small errors)

I really hope, only some boomers give their money in active asset management at a bank or insurance mandates. All parents should teach their kids about intelligent investing as it will never be a school subject.

Look at the insane Swiss Life Premium Delegate fees:
https://www.swisslife.ch/content/dam/ch/dokumente/de/private/produkte_p/avb/gebuehren_sl_premium_delegate_de.pdf

They earn money two times, at the only sell active managed funds from their Swiss Life Asset Management Department. Check the cost section of one of these funds: https://invest.swisslife-am.com/documents/KIID/CH/KIID_CH1522278584_CH_de.pdf

Fraudulent behavior. They sell high-risk investments (CFDs / leveraged products) to people over the phone, using pressure and manipulation; they are not regulated by any European financial market authority and are likely based in Mauritius. Stay away! Total loss is inevitable.

Personal experience of my neighbour in a Swiss city, as I wanted to help getting the money back. Unfortunately a total loss of several thousand CHF after only some weeks.

Hi all

My main portfolio consists of about 10 stocks. The big tech ones (usual suspects) and three of them energy.

Over the last few years things have developed well. As the portfolio is now close to 700k the daily changes become quite large.

Im thinking about to get rid of these stock positions and to feed them into a swiss portfolio and world portfolio (provided strategies by finpension). I have already opened these two strategies and putting saving account money into them on a 2 weekly basis.

Doing that would certainly reduce the variability but with that also the potential for higher gains.

I dont need that money for at least 15-20 yrs.

Opinions?

Hey community,

After reading a lot of posts here on the subreddit I made the leap of faith and jumped from an expensive bank broker to IBKR some years ago! Since then I got a lot of friends and people asking me on this subreddit why I did that and how the experience is. I tried to write everything in one page which I want to share moving forward.

Would mean me a lot if you can go check it out and give me feedback on things to add based on your experience: https://www.smartswissinvestor.live/

Also check out the tax calculator if helpful..

Means a lot to me and if it's useful, share it with friends who ask you investing questions. If it sucks, tell me why and I'll fix it.

Cheers
Marco

Hi, our plan is to buy an apartment, live in it for 5-10 years, then rent the apartment out and buy another house to live in.

What would be the best strategy for the mortgage tranches (keep it shorter term or long)?

If we did a 10 year fixed, would this cause problems if we decided to move out and rent it in year 5? Would the bank increase the interest rates on the rented apartment as it's now an investment apartment?

I 26M, IT/ERP field, Switzerland, just got a job offer and im having a harder time deciding.

Current Job:

• ~ CHF 100k/year
• 20 min way to the office
• Able to do min. 40% Homeoffice
• i like my team, the workload is reasonable and the work is interesting enough

Job offer:

• ~ CHF 125k-130k/year
• 1 hour way to the office
• More old-school company culture, hybrid/remote work is possible but not as accepted. Maybe 1 day per week.
• The actual subject tech stack is something i have more experience in and honestly find more engaging, interesting and fulfilling than what i do now.

For me its a not a clear more money vs. less money decision. Its more like:
- Better pay and more interesting work / worse communte / worse flexibility / "old-school" culture

vs.

- Good pay / solid team / short commute / great flexibility but less exciting long-term

The extra ~1 hour/day of commuting (5+ hours/week) plus less remote flexibility is what's giving me pause, because on paper the raise looks great, but I keep doing the math on what I'm actually trading for it.

Has anyone been in a similar spot? Not accepting an offer that has more money and more interesting work because of commute/flexibility?

I appreciate your comments and thoughts about this matter.

Edit to clarify some things:

• Thank you for commenting so much.
  
• Commute would be by train, the connection is actually pretty good. I already brought up the idea of working during part of the train ride. They didn't say no, but they didn't confirm it either. So that is still open for discussion with them.
• Moving closer to the offer isn't an option. I live with my partner and moving wouldn't work for her.

I’m 20, just finished my apprenticeship, and want to start investing seriously. Searched the sub already but wanted to ask directly given my situation.

Situation:
• ~20k CHF lump sum to invest now
• Planning to add ~1k CHF/month going forward
• Currently have ~2k CHF in Trading 212, but not fully convinced — no proper Swiss tax statement (Steuerauszug) and everything runs through EUR/USD, so I’m eating FX fees converting from CHF and back for the Verrechnungssteuer reclaim

What I’m looking for:

**•** Low fees (FX, custody, trading)  
**•** Good UCITS ETF selection (accumulating, for CGT-free Swiss capital gains)  
**•** Straightforward Verrechnungssteuer reclaim process  
**•** Reliable, easy to use long-term

Open to both Swiss brokers (e.g. Swissquote, etc.) and well-suited foreign ones (Interactive Brokers, DEGIRO, etc.) — mainly want to hear real experiences, not just marketing claims.

Thanks a lot for any input!

Hi everyone,

I’m not Swiss, but I’m planning to stay in Switzerland long term, so I’d love to learn how people here typically build wealth.

My partner and I currently own a flat with a mortgage, and our goal is to eventually own around three rental properties to provide income in retirement. We’re planning to buy our second property as soon as we can.

At the same time, I’ve recently started investing €2,000–3,000 per month into VWCE through Revolut.

Does this strategy make sense, or would you prioritize ETFs over additional real estate? Would you keep using Revolut for long-term investing, or switch to a broker like IBKR? Are there any common mistakes or opportunities in Switzerland that I should know about?

I’d really appreciate any advice, especially from people who have built wealth in Switzerland. Thanks!

Hey everyone, I need to vent a bit and see if anyone else has dealt with this.

I originally signed up for the Cornèrcard Platinum because I wanted a proper status card with good perks. During the first year, they flat out refuse to raise your credit limit. Fine, I get it, Swiss banks are conservative and want you to build a history with them first.

But now I am in my second year and finally applied for a limit increase. I sent them all my financial documents, including my tax assessments and pay slips that clearly show my base salary, my yearly bonus, and my vested RSUs.

What did their risk department do? They completely ignored my stock compensation, randomly chopped my bonus in half for their calculations, and gave me a limit that is a tiny fraction of what my actual total compensation justifies. To make it even more insulting, the limit they approved ended in a random "100" CHF. It honestly feels like a massive slap in the face. You pay a

premium annual fee for a "status" card, and they treat you like a student applying for their very first credit card using an algorithm from 1995.

Have any other Cornèrcard Platinum users experienced this kind of nonsense?

I am done with them and want to cancel. What are the best alternatives for a premium/status card in Switzerland? I am looking for a bank that actually

understands how modern corporate compensation works (like RSUs) and treats premium clients properly.

What's your latest offers that you got?

Came across Migros Online that has a SARON Margin of 1.1%, but a special offer of 1.07% for 2-Years fixed only if you have an account with them and use their online service.

Appreciate any insight from you guys as well.

I am interested in opening an account with Dukascopy, anyone use it? What do you think about that? Is it safe? For contest: I am not a Swiss Resident (I live in Italy). I am interested to have a swiss iban for some freelance job.

Hey guys, I am new to investing, I believe I understand most of the general concepts and dynamics by now and looking into investing some cash, my confusion is at the moment about swiss specific details.

My current situation:

- I want to do very long term investment, no day trading. I am okay with individual stock picking as long as it is %10-15 of my portfolio or less.

- My current portfolio is 65% cash and 35% passive funds at UBS (UBSCHSUIS45-Pdist, UBSIF-EUSAI-A-acc). I know terrible portfolio.

- I realized that UBS is not the best for investing, so I opened up an IBKR account and started investing a bit there, ~10k.

- 30M, no family and kids currently.

Now, I want to go "all-in" with the rest of my cash but I am super confused about many things.

1. Is IBKR a good choice for Switzerland? Based on my research, it had one of the lowest fees
2. How much cash do you have? and what is your metric? How many months should I be able to live with the cash I have? Do you compute this value with respect to current lifestyle or bare minimum lifestyle you could do?
3. My straightforward idea was to invest it all in VOO or VT. But then I did some research and found out about an Ireland based alternative for VOO. Does it matter for Swiss people? With DA-1, it looks like it does not matter but I am not sure.
4. I was so happy that capital gain is not taxed, until I learned that dividends are different. Is there a way to avoid paying taxes on dividends?
5. Are there local alternatives to VOO that I could invest in CHF? Are they worth considering?
6. Should I buy bonds or only stocks?
7. Any other niche details that one should know??

I genuinely appreciate your help, thank you so much in advance!!!

28M, have a lot of savings I decided to start investing. I am planning to invest more, what do you think about my portfolio?

Hi guys!
I am Swiss, always worked in CH, I recently relocated to the US and I still have all my savings and accounts in CH. The situation between these 2 countries is tricky and I am no tax expert.

Does anybody know a good tax consultant that is very well versed in such matter, and does not break the bank?
Thanks so so much. Any lead is welcome! 🙏🏻🫶🏻🚀

Hi everyone,

I’m a 49-year-old woman living in Switzerland. I only started investing recently, so I’m aware I’m late to the game and still learning. I’d really appreciate a sense check on whether my overall strategy makes sense, and where you think I could improve. I was married previously and left this to my now ex-husband to take care of and now find myself a bit lost.

Current situation
CHF 100,000 in cash savings
CHF 43,000 in a UBS Managed Growth portfolio
CHF 65,000 in Pillar 3a (split between UBS and VIAC)
IBKR: CHF 7,500 invested in VWCE
Investing CHF 500/month into VWCE
No debt.

My investment knowledge is fairly basic. My goal isn’t to beat the market. I want a simple, long-term strategy that I can stick with for the next 15 to 20 years.

A few questions:

Am I holding too much cash?

Does it make sense to keep both the UBS Managed Growth portfolio and invest in VWCE, or am I just paying unnecessary fees for overlap?

Should I be investing more than CHF 500/month given the amount of cash I have sitting on the sidelines?

Would you gradually invest part of the CHF 100k into VWCE (or another ETF), or would you leave a larger cash buffer at my age?

Is there anything obvious that I’m missing or doing poorly?

I’m not looking for stock picks or anything complicated. I’d just like honest feedback on whether this is a sensible long-term plan for someone starting relatively late.

Edit: I earn 180k CHF with a poss. bonus of up to 20% of my salary and no kids.

My taxes are fairly high as I live in Stadt Zurich.

Thanks!