Yes, it falls under income.
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Of course it is considered as an income and must be declared as such.
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New offer with 1.5% up to 250k (without any withdrawal restrictions): The new bank reinventing banking & investing | radicant bank ag
It is a subsidiary of BLKB, but without state guarantee. Maybe BLKB would use their state guarantee to fill any holes in the balance sheet, but I still would not risk it for >100k.
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I am checking it. If somebody would like to try it as well and needs the Radicant referral code (50 CHF for both), feel free to PM me.
Cembra now offers a savings account with 1.85%: Savings account Plus - our highest interest rates | Cembra
A withdrawal of 20,000 Fr. every 180 days is possible, larger amounts need to be announced 6 months in advance.
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Thex also offer a 1.5% saving account with 3 months notice only if you need more flexiblity.
A little bit out of topic.
I just wanted to mentioned that there is no 100% protection for your assets bellow 100K.
If a bankâs insolvency leads to a situation where the deposits exceed the available funds in the deposit protection scheme, the actual payout to depositors might be limited. Even if your deposits are less than 100K!
Of course the government could intervene ++.
Mind the âup toâ in the âup to 100Kâ. It does not refer only to the level of your deposits but also to the extend the protection scheme can cover your deposits.
Again, apologies for the off topic. I was very surprised when I realized that and I feel that it may not be clear for everybody.
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True. Thatâs why significant amounts of cash are safer invested into money market funds.
2% at the caisse dâĂ©pargne dâAubonne with thoses conditions. Still a bit to small of a structure for me to make a moove⊠Maybe Iâm beeing paranoiac.
Pour rĂ©pondre Ă vos questions, le taux de 2% pour le compte Ă©pargne plus nâest pas un taux fixe. En effet, il dĂ©pend de la dĂ©cision de la BNS. Toutefois, en tant que Caisse dâĂ©pargne, nous tenons Ă avoir les taux les plus attractifs.
De plus, nous vous confirmons que lâouverture ainsi que la clĂŽture de compte nâengendrent aucun frais et que vous pouvez avoir un accĂšs e-Banking gratuit que vous recevrez si vous le dĂ©sirez.
Concernant les transferts, il est possible de faire quelques transferts par annĂ©e en sachant quâil y a une limite de CHF 10â000 par an (prĂ©avis de 12 mois pour le surplus).
No, it is still 2% interest for any amount, you can just not withdraw more than 10k in a year
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About termination fees: Coop Depositenkasse has a 20chf termination fee.
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Which is acceptable.
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For those interested, Raiffeisen is offering a savings account with an interest rate of 2% in certain regions of Switzerland until December 31, 2024 for amounts up to CHF 1,500,000, otherwise the rate is 1.5%.
Please note that the notice period for withdrawing the amount is 180 days, i.e. 6 months.
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Whatâs up with the latest UBSâs 1.75% promo?
âFor a short time only: invest and save with up to 1.75% interest. Schedule a meeting today and weâll tell you moreâ
- No I donât want another meeting, I want to open the account and send the money. Why so secretive?
https://www.ubs.com/ch/en/private/accounts-and-cards/fixed-term-deposit.html
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Itâs probably for net new assets only and for a limited period of time - UBS is assuming lower key interest rates, therefore I do not expect that they can keep the 1.75% p.a. for a longer period of time.
Check Raiffeisenbank Winterthur, at least they are transparent and are publishing the T&C.
UBS also offers fix time depots. 3M is yielding 1.06% as of now (27 Feb 2024).
Is this 1.06% yearly interest? 1.06/4
Yes. Thatâs correct. Itâs yearly interest
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