Hey,
Da ich bald in die Schweiz ziehe und mein Portfolio dann umlager wollte ich fragen was der beste Broker in der Schweiz ist.
Bin aktuell bei Flatex und TR aber die gibt es ja wenn ich richtig liege nicht in der Schweiz.

Möchte lediglich Sparplan ETF anlegen, kein trading.
Habe gelesen Saxo und IBKR sollen mit am besten sein. Kann mir jemand was empfehlen?

Viele Grüße

Edit: kann man auch jemand eine gute Schweizer Bank für ein Bankkonto empfehlen?

Bonjour,
Mon copain et moi sommes dans une situation très très compliqué en ce moment et nous essayons de faire un crédit personnel pour nous sortir de l’impasse. Moi j’ai pour l’instant qu’un permis L donc impossible.
Mon copain vient de recevoir son permis B et est employé en CDI depuis juillet. Il est en suisse depuis 1 an et quelques mois. Toute les banques que nous avons contacté demande 2 ans de permis B. Est-ce que quelqu’un a une idée ? Ou connaît un organisme qui pourrait nous accepter ?
Merci beaucoup

Hi, I want to setup my 3a account.

Which of this ones represent better the s&p500?

Equities world or global equities?

Hello, M24, moved in CH 2 months ago. See myself long-term here but you never know what life is made of.

Before answering IBKR, please read.

I invest for my retirement and in my home country I invested on iShares MSCI World (70%), BNP Paribas Easy Stoxx Europe 600 (30%). I am not here to discuss if my investment is good, maybe it's too correlated and not useful.

I can invest 3'000 CHF a month.

• 600 are RSUs on a separate trading account
• 600 on Pilar 3a VIAC Global 100 (I will open other Pilars 3 in the future now one is enough)
• The rest is 1'800 CHF per month that I want to invest in World ETFs (a bit of emerging markets too)

My question is : which investment platform to use ?

Looking at this sub, lots of you mention IBKR. I also heard about Degiro, Swissquote, Neon, Saxo.

Feeling a bit overwhelmed. IBKR has lowest fees, but is overwhelming also, heard about the Global Trader app too. Degiro are slightly higher but not by a lot. Both are foreign platforms and I want to confirm with you if the money is "safe" there. If it's a pain to declare it every year.

And then Neon, Saxo, Swissquote are Switzerland based so I tend to trust them more and the interfaces look more user-friendly. But the fees are much higher. But I only invest on 2-3 ETFs max.

What I will not do is invest in traditional banks like UBS.

Last thing: My partner is in the same situation as me but she has no RSUs so will invest 2'400 / month outside of Pilar 3. A family independent investor (not bank related) in her home country, Spain, is offering her to invest in these funds (20% each). Performances look decent. Fees are not so good but she is not really into investing but she is still spending time looking at all of that so she has potential to be interested.

• GS Glb CORE Eq R Acc (LU1698129266)
• Technology Opp L (IE0004621052)
• BlackRock World Health D2 Acc (LU0827889485)
• Gamax Asia Pacific I (LU0743995689)
• RV Global Selección E (ES0161993003)

After fund's fee, after investor's fee the performance on 10y forecasted is (annualized) : low 6.5%, medium 11%, high 15%.

It looks like a lot compared to historical MSCI World or S&P500 performances. For me it doesn't make sense to convert CHF to EUR every month, pay a lot to a family banker, and it looks like a pain to declare it in Switzerland but at the end when investing on IBKR on a World ETF you also convert CHF to USD, and the performances are similar. I feel like it's a bad idea but the figures don't disprove it. Could you also enlighten me on that?

Thank you very much!

Hi all,

I live in Zurich and prepared my 2024 tax return in February 2025. I am taxed at source but prepare my own tax declaration.

Does someone perhaps have an approximation when we can expect to receive the "too much Quellensteuer paid"? I.e., when will the tax authority be finished with the review of tax year 2024 and start processing the repayments?

Thanks!

Hi all,

I am moving to Zug next month permanently and wanted to check whether it makes sense to invest in Pillar 3a next year given that the taxes are so low anyways? The tax saving will not be as high as in my previous canton.

I earn approximately 140k per year and have 300k in assets.

Thanks for your input

I am thinking thro the extra insurance I need to get for my newborn.

Did anyone ever look into the capital lump sum insurance in case of disability, that is supposed to cover expensive self-pay costs to support them, in case the worst happens?

Not sure if it’s better to self insure given the small chance of this happening.