# Taxes **URL:** https://forum.mustachianpost.com/c/taxes/14.md [Latest](https://forum.mustachianpost.com/latest.md) · [Categories](https://forum.mustachianpost.com/categories.md) --- ## [Taxation in Switzerland: Mustachian Know-How, Best Practices](https://forum.mustachianpost.com/t/taxation-in-switzerland-mustachian-know-how-best-practices/75)
**Author:** [@nugget](https://forum.mustachianpost.com/u/nugget)\ **Replies:** 89\ **Last updated:** [January 29, 2026, 6:59pm UTC](https://forum.mustachianpost.com/t/taxation-in-switzerland-mustachian-know-how-best-practices/75 "2026-01-29T18:59:17Z")
\[under construction\] \[panned: tax rat formulae for use in excel/ computation\] Here I want to collect any information relevant for taxation in Switzerland. It has 2 parts: first taxation regarding Income and second taxa… --- ## [About the Taxes category](https://forum.mustachianpost.com/t/about-the-taxes-category/23)
**Author:** [@\_MP](https://forum.mustachianpost.com/u/_MP)\ **Replies:** 0\ **Last updated:** [October 18, 2016, 5:04am UTC](https://forum.mustachianpost.com/t/about-the-taxes-category/23 "2016-10-18T05:04:12Z")
Tax optimizations are your best allies when on your way to financial independence. Get advices on all what one can deduce from his taxes. Please note that you shouldn't talk about tax evasion here: it'd be a pity to en… --- ## [Online tutoring](https://forum.mustachianpost.com/t/online-tutoring/19624)
**Author:** [@Gooner10076](https://forum.mustachianpost.com/u/Gooner10076)\ **Replies:** 3\ **Last updated:** [September 21, 2026, 9:39am UTC](https://forum.mustachianpost.com/t/online-tutoring/19624 "2026-09-21T09:39:59Z")
Hi all my daughter is a uni student in the UK, she is registered as resident in Switzerland as she comes back here during holiday time. To get some extra cash she wants to do some online tutoring with a company that is … --- ## [How Do You Handle Cryptocurrency Tax Reporting?](https://forum.mustachianpost.com/t/how-do-you-handle-cryptocurrency-tax-reporting/14754)
**Author:** [@AnarquiaJoker](https://forum.mustachianpost.com/u/AnarquiaJoker)\ **Replies:** 25\ **Last updated:** [September 16, 2026, 10:55am UTC](https://forum.mustachianpost.com/t/how-do-you-handle-cryptocurrency-tax-reporting/14754 "2026-09-16T10:55:08Z")
Hi everyone, I’m seeking advice on how to properly declare my cryptocurrency holdings and transactions for tax purposes. My accountant told me that I need to declare them, but I’m a bit lost on how to create a comprehen… --- ## [Cannot add VT to DA-1](https://forum.mustachianpost.com/t/cannot-add-vt-to-da-1/3431)
**Author:** [@guaranteedmediocrity](https://forum.mustachianpost.com/u/guaranteedmediocrity)\ **Replies:** 32\ **Last updated:** [September 14, 2026, 6:37pm UTC](https://forum.mustachianpost.com/t/cannot-add-vt-to-da-1/3431 "2026-09-14T18:37:52Z")
I’m currently trying to file my tax return in Zurich. I invest into VT on InteractiveBrokers, meaning the US withholds a 15% tax on dividend (15% instead of 30% since I filed a W8-BEN). I was under the impression that I… --- ## [Iqtax - Swiss taxes done by AI](https://forum.mustachianpost.com/t/iqtax-swiss-taxes-done-by-ai/19520)
**Author:** [@wapiti](https://forum.mustachianpost.com/u/wapiti)\ **Replies:** 36\ **Last updated:** [September 6, 2026, 1:07pm UTC](https://forum.mustachianpost.com/t/iqtax-swiss-taxes-done-by-ai/19520 "2026-09-06T13:07:55Z")
Postfinance has launched a new service with Iqtax to fill tax automatically with AI. TaxOptimizer | PostFinance iqtax | AI-powered platform for Swiss tax returns I don’t know what to think… --- ## [ETF taxes in Geneva](https://forum.mustachianpost.com/t/etf-taxes-in-geneva/19505)
**Author:** [@MFlag](https://forum.mustachianpost.com/u/MFlag)\ **Replies:** 7\ **Last updated:** [August 29, 2026, 9:41pm UTC](https://forum.mustachianpost.com/t/etf-taxes-in-geneva/19505 "2026-08-29T21:41:11Z")
Hi everyone! So, I started investing in ETFs September 2025 and I did not know that I had to declare it even if it is an accumulating ETF. What can I do right now? Wait to the taxes from 2026 and declare the positions th… --- ## [Advice on PE equity deal and tax implications](https://forum.mustachianpost.com/t/advice-on-pe-equity-deal-and-tax-implications/19470)
**Author:** [@Carambau](https://forum.mustachianpost.com/u/Carambau)\ **Replies:** 4\ **Last updated:** [August 26, 2026, 6:48am UTC](https://forum.mustachianpost.com/t/advice-on-pe-equity-deal-and-tax-implications/19470 "2026-08-26T06:48:50Z")
Not sure if this is the right place for this post. Mods feel free to move I am going through a process to join a company that is owned by a PE fund. As part of this, I am entitled to equity, which to be fair is all on p… --- ## [Estate tax treaty US-Switzerland \[2024\]](https://forum.mustachianpost.com/t/estate-tax-treaty-us-switzerland-2024/12362)
**Author:** [@Marcello](https://forum.mustachianpost.com/u/Marcello)\ **Replies:** 202\ **Last updated:** [August 23, 2026, 12:01pm UTC](https://forum.mustachianpost.com/t/estate-tax-treaty-us-switzerland-2024/12362 "2026-08-23T12:01:04Z")
I have carefully reviewed an excellent post from 2020 regarding US Estate Taxes for non-US Persons on Assets (such as VT). As someone who is a bit older and closer to retirement than the average Mustachian, this topic h… --- ## [Pillar 3a: More than 5 accounts](https://forum.mustachianpost.com/t/pillar-3a-more-than-5-accounts/12718)
**Author:** [@markus654](https://forum.mustachianpost.com/u/markus654)\ **Replies:** 61\ **Last updated:** [August 20, 2026, 10:24pm UTC](https://forum.mustachianpost.com/t/pillar-3a-more-than-5-accounts/12718 "2026-08-20T22:24:09Z")
Hi :wave: According to a lot of information on the Internet, at least five 3a accounts should be held so that the withdrawal can be staggered for tax purposes. FinanzFabio even talks about six accounts (and says that ot… --- ## [Individual taxation \[2026\]](https://forum.mustachianpost.com/t/individual-taxation-2026/18473)
**Author:** [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)\ **Replies:** 34\ **Last updated:** [August 19, 2026, 6:40pm UTC](https://forum.mustachianpost.com/t/individual-taxation-2026/18473 "2026-08-19T18:40:19Z")
Good news for the married folks: soon you’ll have double the fun! :sweat\_smile: --- ## [Splitting the world: creating tax-advantaged global stocks portfolio using funds in 3a account](https://forum.mustachianpost.com/t/splitting-the-world-creating-tax-advantaged-global-stocks-portfolio-using-funds-in-3a-account/7001)
**Author:** [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)\ **Replies:** 59\ **Last updated:** [August 19, 2026, 12:59pm UTC](https://forum.mustachianpost.com/t/splitting-the-world-creating-tax-advantaged-global-stocks-portfolio-using-funds-in-3a-account/7001 "2026-08-19T12:59:35Z")
An N+1st attempt to summarize information helping to optimize taxes arising from investments with ETFs. Some preliminary comments: I am going to mostly refer to MSCI indices. Their definition/composition can be found at… --- ## [Tax optimisation for Japanese ETF](https://forum.mustachianpost.com/t/tax-optimisation-for-japanese-etf/19399)
**Author:** [@Brndete](https://forum.mustachianpost.com/u/Brndete)\ **Replies:** 19\ **Last updated:** [August 19, 2026, 12:52pm UTC](https://forum.mustachianpost.com/t/tax-optimisation-for-japanese-etf/19399 "2026-08-19T12:52:46Z")
CA I get. I used to have one and had no issues with reclaiming the withheld 15%. Just wondered whether you left out JP intentionally, it being the bigger market. For JP, I’m getting withheld 15% (same as IE-based ETFs … --- ## [Tax optimisation for ETF investing \[2024\]](https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing-2024/12947)
**Author:** [@Abs\_max](https://forum.mustachianpost.com/u/Abs_max)\ **Replies:** 230\ **Last updated:** [August 17, 2026, 7:45am UTC](https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing-2024/12947 "2026-08-17T07:45:52Z")
This is very good source of information. I appreciate that you covered various domiciles. What is your opinion for Swiss domicile index funds. If the TER is reasonable , lets say 0.20-0.25%, would a CH domicile world E… --- ## [Military Service Exemption Tax](https://forum.mustachianpost.com/t/military-service-exemption-tax/7649)
**Author:** [@Cortana](https://forum.mustachianpost.com/u/Cortana)\ **Replies:** 115\ **Last updated:** [August 5, 2026, 7:41am UTC](https://forum.mustachianpost.com/t/military-service-exemption-tax/7649 "2026-08-05T07:41:09Z")
Anyone affected by this? Would love to read your take on this. I got my Swiss citizenship in 2015 and expected to pay it till 2021, but the law changed in 2018. Previously you had to pay till you are 30, now they want 1… --- ## [Looking for a US–Swiss cross-border tax/financial advisor in Geneva](https://forum.mustachianpost.com/t/looking-for-a-us-swiss-cross-border-tax-financial-advisor-in-geneva/19320)
**Author:** [@FrayChow](https://forum.mustachianpost.com/u/FrayChow)\ **Replies:** 0\ **Last updated:** [July 24, 2026, 11:22am UTC](https://forum.mustachianpost.com/t/looking-for-a-us-swiss-cross-border-tax-financial-advisor-in-geneva/19320 "2026-07-24T11:22:25Z")
Hi everyone, I’m looking for an independent, fee-only advisor or consultant with strong experience helping US citizens living in Switzerland based in Geneva. I’d like help coordinating: US and Swiss tax planning and… --- ## [In which canton do you have to pay wealth tax if you move within Switzerland?](https://forum.mustachianpost.com/t/in-which-canton-do-you-have-to-pay-wealth-tax-if-you-move-within-switzerland/19292)
**Author:** [@schebi](https://forum.mustachianpost.com/u/schebi)\ **Replies:** 33\ **Last updated:** [July 21, 2026, 8:35am UTC](https://forum.mustachianpost.com/t/in-which-canton-do-you-have-to-pay-wealth-tax-if-you-move-within-switzerland/19292 "2026-07-21T08:35:24Z")
Hello You live in the canton of Thurgau from 2 January 2026 to 31 August 2026 and are registered with the residents’ registration office there only. After that, you move to the canton of Nidwalden and live there from 1… --- ## [OpenSteuerAuszug: generate your own eTax / eSteuerauszug for IBKR, Schwab and others](https://forum.mustachianpost.com/t/opensteuerauszug-generate-your-own-etax-esteuerauszug-for-ibkr-schwab-and-others/18288)
**Author:** [@Pet](https://forum.mustachianpost.com/u/Pet)\ **Replies:** 128\ **Last updated:** [July 16, 2026, 10:00pm UTC](https://forum.mustachianpost.com/t/opensteuerauszug-generate-your-own-etax-esteuerauszug-for-ibkr-schwab-and-others/18288 "2026-07-16T22:00:46Z")
This thread got extracted out of Programmatic Tax Return. It can be used for discussion and also support if needed. If possible, issues should be reported at GitHub. --- ## ['Berechnung Privataufwand und Investitionen, Vermögensentwicklung'](https://forum.mustachianpost.com/t/berechnung-privataufwand-und-investitionen-vermogensentwicklung/19286)
**Author:** [@PickCricket](https://forum.mustachianpost.com/u/PickCricket)\ **Replies:** 1\ **Last updated:** [July 16, 2026, 8:06am UTC](https://forum.mustachianpost.com/t/berechnung-privataufwand-und-investitionen-vermogensentwicklung/19286 "2026-07-16T08:06:00Z")
Any experience with the above letter from the tax office while living very frugal, well below the ‘Existenzminimum’? Chances / efforts on getting the assessment of the tax office corrected? --- ## [Timing tax payments](https://forum.mustachianpost.com/t/timing-tax-payments/9004)
**Author:** [@johndoe1](https://forum.mustachianpost.com/u/johndoe1)\ **Replies:** 106\ **Last updated:** [July 8, 2026, 5:25pm UTC](https://forum.mustachianpost.com/t/timing-tax-payments/9004 "2026-07-08T17:25:00Z")
I’m going to pay my taxes last minute this year, just in time to avoid negative interest (4.5% in my canton!). I prefer being invested in the market instead of pre-paying taxes in return for the fairly low interest rate … --- ## [Professional investor/trader status](https://forum.mustachianpost.com/t/professional-investor-trader-status/1328)
**Author:** [@rocketron](https://forum.mustachianpost.com/u/rocketron)\ **Replies:** 370\ **Last updated:** [June 26, 2026, 5:51pm UTC](https://forum.mustachianpost.com/t/professional-investor-trader-status/1328 "2026-06-26T17:51:37Z")
I understand that capital gains in Switzerland are tax free providing the authorities do not determine you are a “professional investor”. According to Taxes on Dividends and Capital Gains in Switzerland Explained - money… --- ## [Reclaim withholding tax on Irish based ETF?](https://forum.mustachianpost.com/t/reclaim-withholding-tax-on-irish-based-etf/12522)
**Author:** [@wapiti](https://forum.mustachianpost.com/u/wapiti)\ **Replies:** 84\ **Last updated:** [June 22, 2026, 5:39am UTC](https://forum.mustachianpost.com/t/reclaim-withholding-tax-on-irish-based-etf/12522 "2026-06-22T05:39:08Z")
Based on the some leaked information from Finpension website from this tread Finpension invest – a new robo-advisor for non-3a ETF investments - #44 by Luk\_nuts, it could be possible to reclaim US withholding tax for iri… --- ## [House purchase and impact on wealth tax](https://forum.mustachianpost.com/t/house-purchase-and-impact-on-wealth-tax/19138)
**Author:** [@Eddie](https://forum.mustachianpost.com/u/Eddie)\ **Replies:** 3\ **Last updated:** [June 21, 2026, 2:34pm UTC](https://forum.mustachianpost.com/t/house-purchase-and-impact-on-wealth-tax/19138 "2026-06-21T14:34:36Z")
I was discussing with a colleague how a house purchase could completely “wipe out” the wealth tax. Here a fictional exemple to illustrate the mechanism: the Jones are currently renting a flat. They have 600 kCHF on thei… --- ## [Tax optimization: Retroactive purchases into pillar 3a](https://forum.mustachianpost.com/t/tax-optimization-retroactive-purchases-into-pillar-3a/15067)
**Author:** [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)\ **Replies:** 96\ **Last updated:** [June 14, 2026, 6:59pm UTC](https://forum.mustachianpost.com/t/tax-optimization-retroactive-purchases-into-pillar-3a/15067 "2026-06-14T18:59:27Z")
It’s official now: Bundesrat führt nachträgliche Einkaufsmöglichkeit in die Säule 3a ein --- ## [Tax refund via DA-1 denied](https://forum.mustachianpost.com/t/tax-refund-via-da-1-denied/2174)
**Author:** [@hippo](https://forum.mustachianpost.com/u/hippo)\ **Replies:** 179\ **Last updated:** [June 11, 2026, 6:57pm UTC](https://forum.mustachianpost.com/t/tax-refund-via-da-1-denied/2174 "2026-06-11T18:57:22Z")
My sole investment in 2018 was VT of which I detailed the dividend payments in a DA-1 form. The Canton de Vaud Office d’Impôt has now got back to me on my tax filing and said that I cannot write off the 15% VT WHT and a… --- ## [Understanding Relevé Général / General Tax Account Statement](https://forum.mustachianpost.com/t/understanding-releve-general-general-tax-account-statement/19024)
**Author:** [@inchms](https://forum.mustachianpost.com/u/inchms)\ **Replies:** 3\ **Last updated:** [June 4, 2026, 4:10am UTC](https://forum.mustachianpost.com/t/understanding-releve-general-general-tax-account-statement/19024 "2026-06-04T04:10:50Z")
Hello All, I need to submit a Relevé Général / tax account statement from the tax administration to another authority and would like to make sure I am interpreting it correctly. The statement shows: 2025: CHF 0.00 o… --- ## [Built a tax comparator across all 2,244 Swiss municipalities — looking for math sanity checks](https://forum.mustachianpost.com/t/built-a-tax-comparator-across-all-2-244-swiss-municipalities-looking-for-math-sanity-checks/18954)
**Author:** [@lukas](https://forum.mustachianpost.com/u/lukas)\ **Replies:** 20\ **Last updated:** [June 1, 2026, 8:54pm UTC](https://forum.mustachianpost.com/t/built-a-tax-comparator-across-all-2-244-swiss-municipalities-looking-for-math-sanity-checks/18954 "2026-06-01T20:54:16Z")
Hey all, new here but figured this is the right community for what I’m about to share, because nobody scrutinises Swiss tax math like Mustachians do. Built wheretolive.ch — a comparator for effective income + wealth tax… --- ## [Risk of being reclassified as a professional securities trader when financing investments with a private loan?](https://forum.mustachianpost.com/t/risk-of-being-reclassified-as-a-professional-securities-trader-when-financing-investments-with-a-private-loan/18903)
**Author:** [@PeterKunz](https://forum.mustachianpost.com/u/PeterKunz)\ **Replies:** 16\ **Last updated:** [May 22, 2026, 7:12pm UTC](https://forum.mustachianpost.com/t/risk-of-being-reclassified-as-a-professional-securities-trader-when-financing-investments-with-a-private-loan/18903 "2026-05-22T19:12:32Z")
Hi everyone, I’m thinking about taking out a private loan and investing the proceeds via IBKR into ETFs and stocks. My situation: • The annual dividends from my entire portfolio (including all existing positions) are… --- ## [Tax declaration from degiro and other Swiss banks](https://forum.mustachianpost.com/t/tax-declaration-from-degiro-and-other-swiss-banks/5341)
**Author:** [@ItalianEngineer](https://forum.mustachianpost.com/u/ItalianEngineer)\ **Replies:** 37\ **Last updated:** [May 15, 2026, 3:51pm UTC](https://forum.mustachianpost.com/t/tax-declaration-from-degiro-and-other-swiss-banks/5341 "2026-05-15T15:51:31Z")
dear forumers, the tax season is approaching (I received today the letter from the canton remembering it :frowning:) and it is the first year for me reporting some investments, on top of the third pillar I have been rep… --- ## [Fiscalist in Geneva to review my tax declaration](https://forum.mustachianpost.com/t/fiscalist-in-geneva-to-review-my-tax-declaration/18888)
**Author:** [@Dago](https://forum.mustachianpost.com/u/Dago)\ **Replies:** 3\ **Last updated:** [May 15, 2026, 1:31pm UTC](https://forum.mustachianpost.com/t/fiscalist-in-geneva-to-review-my-tax-declaration/18888 "2026-05-15T13:31:53Z")
Hello, My tax declaration has become increasingly complex over the years. Last year my wife became independent and I have some doubts about the tax declaration. Do you know a fiscalist in Geneva who I could hire to rev… [Next page](https://forum.mustachianpost.com/c/taxes/14.md?page=1)