I reached FI today...!

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42

I have no clear view on my future tax situation, it should be lower but since my wife is still working 60% we can still deduct some expenses.

Haven’t thought about AHV yet, I plan on paying the minimal contributon of 1006 CHF/year for housemen.

My tax accountant told me not to trade too much, otherwise I might be classified as “professional investor” as mentioned. Therefore I just sold some shares last summer and put them into crypto and p2p lending to get some steady cashflow and my day to day expenses get paid out of that.

At the moment my portfolio ist still up 3% to March 2021 even though it crashed badly this year, so I am not too worried.

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43

9 posts were merged into an existing topic: Costs after early retirement

44

You can’t choose your AHV contributions. It is calculated on your wealth and revenues.

If your wife is still working, you might even not pay anything. Check AHV website.

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45

@Ardius Thanks, I didn’t know that, guess I’ll have to pay CHF 2400 instead

46

Hello,

Congratulations on your FI. I see a risk here and an advice for other readers, if you’re planning to go to work after 1 year don’t put your 2nd pillar 90% stocks because next year your new employer will ask you to transfer your 2nd pillar in his pension then you will have to sell maybe at the worst time. I hope this was not the case. Please give us some updates.

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