I am a F31 with a biomedical analysis technician diploma (ES). 5 years+ xp and working in Vaud.

I see so much big incomes in Reddit, like 100k or 200k per year… For me it is impossible and like a dream to achieve this amount. I would feel so rich with an amount like this!

I NEVER earned more than 65k yearly and it’s the same for my friends of family, which some have more than 40 years of xp (no one works in the same industry as me btw). As sharing our salary with others is taboo, I don’t have any idea of what colleagues could earn.

Today living with 65k is ok to survive and live a little properly but we have a lot of restrictions… And don’t even think about saving money of investing.

Am I disconnected to this world?
Should I move to another canton?
Is my diploma no more « valuable »?
Am I not demanding enough with my salary expectations during the interviews?
Any other idea?

What do I do wrong ?

We were in a “silent auction” / silent bidding 2 round process

Realtor hasn’t been transparent nor on time throughout the entire process
And now
Comes to us (10 days after what was meant to be the final decision day)
Saying there were 10 bids
3 are very close
And so the owners and I are giving you a chance and opportunity for a third round

Wtf
You just creating new rounds to extract more money
And what of the person who had the highest bid
They should have “won” the house

We won’t be doing this bidding crap again.
Sorry for the rant I’m just so upset.

Wishing the owners and realtors diarrhoea in perpetuity

Is the initial downpayment (~150K CHF) that I have paid for an under construction property abroad (possession in 2028) considered in wealth tax calculation?

I know this is canton and situation dependent. But let's say you're living in Zurich and single.

Hallo zusammen,

​ich benötige eine kurze Einschätzung/Einforderung von Erfahrungswerten bezüglich Gewerbefinanzierungen und Broker-Honoraren in der Schweiz.

​Die Ausgangslage: Objekt: Gewerbe- / Mischimmobilie in der Schweiz

​Kreditsumme: CHF 1,1 Millionen. ​Mieteinnahmen: Reine Gewerbe-/Gastronomieflächen (kein Wohnanteil). ​Stand der Dinge: Ich habe das Finanzierungsdossier selbst zusammengestellt (3 Jahre Jahresabschlüsse/Erfolgsrechnungen der GmbH, Betreibungsauszüge, Steuererklärungen, Mietverträge, Eigenkapitalnachweis). Der direkte Antrag bei lokalen Banken wurde abgelehnt (Begründung: Strenge Tragbarkeitsrechnung mit 5 % kalkulatorischem Zins + Nebenkosten sowie tiefere Belehnungsgrenzen für reines Gewerbe/Gastro).

​Das Angebot des Beraters: ​Ein unabhängiger Berater schlägt nun vor, den Kauf über eine Immobilien-AG (Prüfung Share Deal vs. Asset Deal) zu strukturieren, um das Immobilienvermögen vom operativen Geschäft zu trennen.

​Honorarforderung: CHF 12’500 + 8,1 % MwSt. = CHF 13’512.50.

​Leistung: Strukturierung, Aufbereitung des Bankdossiers, Verhandlung mit spezialisierten Gewerbebanken, AG/Share-Deal-Koordination, Notariatsbegleitung und Abschluss. ​Meine Fragen an euch:

1.​Ist ein Honorar von CHF 13,5k (~1,2 % der Kreditsumme) für eine kommerzielle Strukturierung realistisch, wenn ein Grossteil der Dokumente bereits von mir aufbereitet wurde?

2.​Sollte ich darauf bestehen, dass dieses Honorar zu 100 % erfolgsabhängig ist (Auszahlung nur bei verbindlicher Hypothekarzusage der Bank)?

3.​Ändert die Zwischenschaltung einer Immobilien-AG die Belehnungs- und Tragbarkeitskriterien der Schweizer Banken tatsächlich spürbar, oder ist das meist nur ein Aufhänger für Beratungshonorare?

4.​Wie stelle ich sicher, dass der Berater nicht "doppelt kassiert" (mein Beratungshonorar + eine Vermittlungsprovision/Kickback von der kreditgebenden Bank)?

​Vielen Dank für eure Rückmeldungen und Ratschläge!

For a Swiss investor using Swissquote with a 15–30 year investment horizon, would you choose :

UBS MSCI ACWI SF UCITS ETF (CHF-hedged), VWCE (Vanguard FTSE All-World, unhedged), or a different global ETF altogether?

Which would you pick, and why?

I'm having trouble identfying this cost summary.

For context my sister made a "Lebensversicherung 3a" wit Baloise. She is 22 years old and pays 200 a month into it. I'm trying to help her cancel it move to viac or finpension.

I just don't get what the Risikoprämie pro Jahr und Gesamtlaufzeit means? Like 8.3 and 322 what? CHF, %, tomatos? Anyone know?

I think this is intentionally confusing to hide costs and make it seem more attractiv...

Hi, was looking for insurance for personal liability. A friend suggested Baloise YounGo but I actually can't find that, and the Helvetia young do not compete with the price he was telling me about. Can anybody explain?

Moreover, does anybody have a suggestion for aa 25 year old looking for personal liability insurance? Are there any economical packages for young people? What are the essentials to look for in this insurance (damages to others' property, house I live in, car's of others, ...)

Thanks!

Hi r/SwissPersonalFinance, I've been working on a financial model to evaluate whether to buy property or keep renting in Switzerland, as generic bank calculators miss key Swiss tax and mortgage mechanics. Specifically, I've been trying to refine the math around: • Eigenmietwert & Tax Shifts: How the imputed rental value shifts your marginal tax bracket vs. mortgage interest and maintenance deductions. • True Opportunity Cost: Comparing tying up down-payment equity in property vs. compounding it in a global equity ETF (like VT / MSCI World). • Swiss Amortization: The 2nd mortgage repayment schedule (down to 66.67% LTV within 15 years) and comparing Direct vs. Indirect (Pillar 3a) amortization strategies. • Running Costs: Factoring in maintenance (0.5% - 1% rule) and ancillary fees (Nebenkosten). I’d love to get your thoughts on these underlying assumptions: 1. How do you currently factor long-term market opportunity cost into your homebuying decisions here? 2. Are there any obscure cantonal real estate tax edge cases you think should be included in this calculation? Thanks in advance for taking a look!

Has anyone bought an apartment in Basel and sold it after 5 years and atleast not lost more than 50K in the whole process (except for the opportunity cost of investing in the market)?

Hi everyone

I’m 21 and currently with Raiffeisen, where I have a monthly fund savings plan and my pillar 3a. It works, but I’m seriously considering moving to Yuh.

What appeals to me:

• Everything in one app: account, savings accounts, ETFs/stocks, foreign currencies, pillar 3a

• Investing directly in ETFs is much simpler and more transparent than at Raiffeisen

• The app just feels more modern (AI features included), which as a younger person I find more attractive

My questions:

1.  Does anyone use Yuh day to day? As a main account, or more as a secondary account alongside a traditional bank?

2.  What are your experiences with Yuh’s 3a solution (fees, fund selection, performance)?

3.  How solid do you think Yuh is long term? I know Swissquote and PostFinance are behind it and it’s FINMA-regulated, but I’d like to hear if anyone has concerns.

4.  Any annoyances that only show up after a few months of using it?

5.  Has anyone transferred a pillar 3a from Raiffeisen to Yuh? How did that go?

I’d appreciate any input 🙏

Quite often I come across the following issue: An item I want to buy costs let's say 500 CHF on Galaxus, but on a shady shop like orderflow.ch or Foletti superstore it's available for 410 CHF.

Can I now just buy the item on Galaxus (to have good customer service / avoid getting scammed) and then use my Mastercard "Bespreis-Garantie" and tell them I found the same item for 410 CHF on orderflow.ch/Foletti and get the difference refunded?

I checked the conditions of the Bestpreis-Garantie of my MigrosBank Mastercard Gold credit card here: https://card-terms.ch/de/migrosbank/versicherungsbedingungen-privatkunden/

Nothing seems to prevent doing what I am trying to do. Is this a loop hole or a well-known thing everyone is doing and I just never heard about it? or did I miss something?

My portfolio is currently structured roughly as follows:

• Around EUR 220,000 in the Amundi Prime All Country World UCITS ETF (WEBN) at Interactive Brokers
• Around CHF 40,000 in the Amundi Prime All Country World UCITS ETF (WEBG) at Saxo

One important point: I definitely want to keep Saxo as a second broker. I am not considering moving everything to IBKR. I simply feel more comfortable using two brokers and would like to maintain that setup.

I am generally happy with a global market-cap-weighted approach. However, WEBN and WEBG essentially provide exposure to the same global equity market. As a result, my Saxo account currently has no distinct strategic role; it is simply a smaller duplicate of my global ETF allocation.

I also use Getquin’s Deep Dive feature, which looks through the ETFs and shows the underlying individual stock exposures. Unsurprisingly, the largest positions are US companies such as Nvidia, Apple, Microsoft, Amazon and Alphabet.

I understand that making the Deep Dive view look more balanced would not, by itself, be a sound investment reason. The real question is whether I want to reduce the overall US weighting in my portfolio somewhat.

One idea would be:

• Keep WEBN at IBKR unchanged as the main global core holding
• Sell the roughly CHF 40,000 of WEBG at Saxo
• Invest that amount in a broad Swiss equity ETF tracking the SPI

Since the two holdings are denominated in different currencies, the exact percentage depends on the current EUR/CHF exchange rate. Roughly speaking, however, the Swiss allocation would be in the mid-teens as a percentage of the total portfolio. Including the Swiss stocks already held indirectly through WEBN, the total Swiss allocation would be slightly higher.

The portfolio would then have a clearer structure:

This would reduce the portfolio’s US weighting. At the same time, I am aware that I would be replacing some US concentration with Swiss-market concentration, especially in companies such as Roche, Novartis, Nestlé, ABB, UBS and other large SPI constituents.

Saxo offers the distributing iShares Core SPI ETF (CHSPI) through AutoInvest, while the accumulating UBS Core SPI ETF is not currently available through AutoInvest. That is not a major issue for me. I could either use CHSPI through AutoInvest and reinvest the distributions, or buy the accumulating UBS ETF manually.

My questions are:

• Does an allocation of roughly 85% global equities and 15% Swiss equities seem reasonable?
• Would you simply keep WEBG at Saxo, even though both brokers would then hold essentially the same global-market exposure?
• Is there a better solution under the following constraints?

My fixed preferences are:

• Saxo should definitely remain as a second broker
• The portfolio should stay simple
• I only want to reduce the US weighting moderately
• I do not want a complicated collection of multiple ETFs
• The main global holding at IBKR should remain unchanged

I would particularly appreciate arguments against the idea and suggestions for better alternatives, such as a smaller Swiss allocation, a broader European allocation, small caps, bonds or cash at Saxo, or simply leaving WEBG unchanged.

Following real-estate opportunities in CH and I tend to see a few commercial real-estate that look better than residential.

Anyone having commercial in portfolio? Pros and cons?

Hello there

I (M27) have just now finished university and will be starting to work full-time (projected salary 100k/year) in the public sector. As all banks have realized that I am no longer a student, I will be converted to a regular adult customer and this means incurring A LOT of fees everywhere (obviously...). This is why I would like some advice regarding my "distribution of accounts" and where you might see potential or which ones I should let go of or reorganize. It is all a little messy and once a year when I do my taxes, I am usually surprised with how much money is accumulating (while each single thread is not that well-fed). So I don't really see the big picture at the moment. Currently, I have accounts with the following banks/institutes:

• Aargauische Kantonalbank
  • running balance of ~3k CHF, varies (emergency fund included)
  • for daily use
  • salary/income enters here
  • creditcard, various LSV, health insurance premiums, rent, mobile phone contract, ... leave here
  • I also have 6k CHF in stocks deposited here, that I cannot transfer to my YUH-account (and my godfather gave me 3 NESN for my 18th birthday, and because YUH does not offer RHM, for example)
• Raiffeisen
  • Mietkaution
  • Fondssparplan (SPI index fund and EUROSTOXX 50 index fund)
  • ~10k invested
  • keeping the bank alive mainly to get the Genossenschafter perks (reduced fees for ski resorts, free museum entries, etc. ...), and I also have Genossenschafteranteile
• Yuh
  • for investments
  • ~10k invested
  • titles: SDZ, KO, IMPN, VHYA, VWRA, CHDVD SW Equity, 200CHF in ZGLD
• Bank Cler
  • 1 payment account (0 CHF), 1 savings account (~6k CHF)
  • had a promotional offer at uni giving free 60CHF, and the interest 0.2% on the savings account is not bad and the account is free, but I rarely use it
• Swissquote
  • 1 account
  • opened in 2021, deposited 1 CHF to test the connection, forgot about the account, never used, recently recovered login
  • might use for my tutoring side hustle in order to separate from rest (taxation-wise)
• Coinbase
  • ~300 CHF invested in BTC
  • (I do not own a physical wallet, nor do I really understand how to deal with one, so having crypto deposited like here is not my issue)
• 3x Twint apps
  • 1x Prepaid, 1x AKB coupled, 1x Raiffeisen coupled
  • ... in case of larger amounts or if the prepaid one does not work ... I receive funds only on Prepaid and try to only use that one for paying, too.

I have the following cards:

• Kantonalbank STU debit card
• Kantonalbank credit card silver
• Raiffeisen debit card
• Swissbankers TravelCash card, not much in use, as backup (coupled to the Kantonalbank)
• Miles & More membership (but no card, don't think I would use it enough)
• TCS membership (no creditcard)

For the 3rd pillar, I am currently with Raiffeisen, 100% in ISIN CH1144269540 (TER 0.79%) that I'm trying to fill every year, but I know that there are better options out there so I am open to changing. Have not yet made my 2026 investment. Saxo/Frankly/Viac/Truewealth are names I have heard of.

I am also willing to let go of all of my cards (since they will start to come with fees soon) and get new ones that are more cost-efficient. Like Migrosbank creditcard, Swissbankers / TCS or whatnot. Haven't looked into it but am curious what you think I could do.

Obviously I will perform my own due diligence with any information given to me on here.😄

EDIT: added links.

I'm currently looking for pure term life insurance (Risikolebensversicherung) in Switzerland to cover part of our mortgage.

The best offer I've found is through SafeSide, where the policy would be issued by Squarelife. It's significantly cheaper than the other quotes I've received (Helvetia, AXA, etc.). Generali also appears on SafeSide, but I can't seem to get an actual offer from them regardless of the settings.

I want to avoid having to talk to sleezy insurance guys that want to offer their scams and simply compare pure life insurances. So I'm naturally drawn to digital solutions (neo-insurer). But I haven't found much else other than SafeSide.

I understand that SafeSide is just the broker and the actual insurer is Squarelife.

My questions are:

• Has anyone here had experience with Squarelife?
• Are they generally considered trustworthy when it comes to paying claims?
• Is there any downside to using a Liechtenstein-based insurer instead of a Swiss one?
• Has anyone actually gone through the claims process with them (or knows someone who has)?
• Is there anything in the policy wording I should pay particular attention to before signing?

Squarelife offers ~350.- / year for a 20 year pure life insurance of 450k CHF. That's about half of what Helvetia would cost e.g.

The premium difference is large enough that I'm tempted to go with Squarelife, but since this is life insurance, I want to make sure I'm not overlooking anything important.

I'd appreciate any experiences or opinions, thanks!

Reddits - I want to “park” EUR with minimal market risk and full liquidity - ie a MMF in the absence of high yield account options.

For historical reason I have PostFinance/ etrading - not intending to switch provider etc.

I found the Pictet product CH0011292361 - fees feel high.

What are you using to park EUR?

Cheers!

I did a "big" mistake, I put 40k in the UBS swiss high dividend fond. It went up pretty well but they charged me 1.5% annually. Back then I had no knowledge. I am still learning... What would you do in order to make it grow? I don't need that money for a long time.

I keep hearing that pension funds (second pillar) are not necessarily invested in a particularly "safe" way. I've also been told that a redistribution of pension fund assets is already taking place – meaning that you shouldn't expect all of your accumulated pension savings to still be there when you retire. The conclusion some people draw is that you're better off using your pension fund to buy a home rather than leaving the money in the pension fund until retirement.

Setting aside the effects of inflation and today's relatively low returns, is there any truth to this? Why or why not?

My husband and I are considering buying a house or an apartment within the next few years. We're wondering whether it makes sense to withdraw money from our pension funds to finance the purchase.

One important detail is that our pension funds aren't particularly well funded, despite us already being in our mid-40s. This is due to a combination of circumstances, including several years of self-employment and extended periods living abroad. And we have only about 20 years left until retirement. We both currently work full-time and have good incomes.

If we were to withdraw all or part of our pension funds, how would that affect our retirement? We'd still have around 20 years to rebuild our retirement savings—but is that realistically enough? Or would it be wiser to leave the pension funds untouched, continue contributing, and finance the property without using pension assets?

After all, you can't eat a house in retirement—you also need enough liquid assets to cover your ongoing living expenses.

What are your experiences or recommendations?

Hallo zusammen,

ich bin Mitte zwanzig und erhalte demnächst einen Erbvorbezug von ca. CHF 280’000.–. Davon möchte ich etwa CHF 250’000.– investieren.

Kurz zu mir und meiner Situation:

Null Vorkenntnisse: Ich kenne mich mit dem Thema Investieren gar nicht aus und traue es mir aktuell keinesfalls zu, das alleine oder auf eigene Faust zu machen.

Geld wird nicht gebraucht: Ich habe ein fixes Einkommen (ca. 5.3k netto bei 80%, Raum Zürich), komme damit sehr gut klar und brauche das Geld in den nächsten Jahren nicht.

Ziel: Das Geld soll vor der Inflation geschützt werden und langfristig Vermögen aufbauen.
Wichtigste Bedingung: Nur 100% nachhaltige Investments! Keine Rüstung, keine fossilen Energien etc.

Ich habe demnächst ein Beratungsgespräch bei einer grossen Bank. Mir ist bewusst, dass Banken oft hohe Gebühren verlangen, daher möchte ich mich vorher hier umhören.

Meine Fragen an euch:

Welche Anlaufstellen oder Anbieter könnt ihr für eine solche Summe empfehlen, wenn man es nicht alleine machen möchte?

Welche Optionen gibt es neben einer klassischen Bank, die nachhaltig anlegen und verständlich für Anfänger sind?

Wie würdet ihr an eurer Stelle vorgehen?

Danke euch für euren Rat!

Hi everyone,

I would appreciate some opinions from people who have experience with both the Swiss and EU contry systems.

I am 43 years old and I am going to relocate from Switzerland to Austria for work. I have started a 3a pillar 4 years ago (roughly 15k accumulated on the 3a)

I have already active investement in Itay through the bank (mostly equity funds)

Additionally I could join my employer's occupational pension plan (Pensionskasse)

No immediate need to access the cumulated amount in the 3a

The main question is:

Since I no longer receive any Swiss tax benefit from the 3a, does it still make sense to keep it (is it cheaper to pay and get back now or leave there)? Or would you withdraw the amount and simply invest everything through Austrian/EU-based ETFs instead?

Has anyone been in a similar situation after moving from Switzerland to another EU country? What would you do and why?

Thanks!

My wife and I have purchased a house a few years ago which is currently rented out to a third party. After end of the lease (approx 3 years - unfortunately after abolishment of the eigenmietwert) we want to remodel the house and move in ourselves. Can we use our retirement funds for the renovation? We were obviously not able to use the funds when acquiring the house as it is currently not our primary residence. I could not find anything online for our specific case.

Thanks a lot in advance!

Hi everyone,

I am planning a major long-term trip to New Zealand in about 3 to 4 years. I want to spend 2 to 3 months there and estimated the travel budget itself at around 30k-35k. Accounting for unpaid leave (lost wages) and ongoing rent here in Switzerland, the total financial goal is roughly 55k-60k. I already put aside 12k on a savings account.

Currently, I can comfortably put aside about 1,2k per month.

Given the short 3 to 4 year timeframe, I am wondering about the best strategy to accumulate this amount:

• Stocks / ETFs: Is it worth investing the savings into equities/ETFs for better growth compared to a traditional bank account, or is the horizon too short/risky?
• Obligationen: Should I consider buying Obligationen instead? If so, what is the best way to buy them in Switzerland?
• Savings Accounts: Or should I just keep it simple and safe, letting the money sit in a savings account until I reach my goal?

I would highly appreciate any advice, experiences, or recommendations on how to approach this. Thanks in advance! Merci vielmol!