So I have been doing as much reading as I could over the last few months and this is what I came up with.
I want to keep it very simple, so I’m going to buy VT exclusively. I read that if I buy it in EUR, then it’s in Ireland and I would get taxed 15% on the dividends which I cannot claim back. If I buy in USD, then I also get taxed 15% but I can reclaim that by filling a W8-BEN. It seems it’s also offered in CHF but in that case I don’t know about the taxation. I am on a B permit with tax at the source on my monthly salary, so is this even relevant since I can’t claim any deductions? Am I getting this right?
Then, there is the question of inheritance if it’s in USD. From what I read it’s not really a problem for my heirs until it reaches a value of 11 millions (which I don’t think will ever happen, let’s be frank.) Is that really a non-issue I can ignore if I stay below 11 millions?
Finally, there is the question whether IBKR will ban us from buying US ETFs in the future because of the missing KIID. The consensus seems to be that it isn’t a reason for not buying VT while we can, and then we’ll see. Maybe they’ll even let you add to your existing position but won’t allow new customers to enter the ETF anymore. Correct?
Is there anything else I’m missing?