Sorry it took me a while to answer, were some busy days lately
First of all congratulation to your very sophisticated analysis! You did a great Job!
In our view we would only add two things:
• The dividend yield you took into you calculation is derived from the Performance. In our view we think it’s better to take a fix rate of 2.5% or so (depending on the Focus; CH SMI around 3%; US SPX around 2%). With an assumed mean return of 4% and your formula the dividend yield is rather low which does not fully reflect tax advantages within the third pillar.
• The tax reduction in Zurich is quite low, it is important for the others to check it individually. WIR Bank offers one of the best calculators I have seen so far. https://www.wir.ch/nc/bank/private/vorsorgen/vorsorgerechner/
In Basel the tax deduction would be 1’685 which exceeds Zurichs 1’010 by far!
• In the beginning we planned to take US ETF for the US Market instead of the Irish one. As there are still some open issues with the Double Tax Treaty CH / USA, taking the irish one makes is better in our handling (witholding tax). We challengend the Tax Authorities (ESTV and SIF, Staatssekretariat für internationale Finanzfragen) regarding the DBA, the Change Protocoll and it’s role under the view of the FATCA. So far no positive results.
• Regarding your strategy, we will allow you to do your own with the release in Spring. The ivestment universe will even grow with some more asset classes and etf/funds!
For us it is a big win to have a community that helps us with ideas and challanges our view We are always happy to receive Feedback!