Finpension would be the cheapest, though I donât understand the apparent sudden lust for the S&P500 we are seeing on this board. US funds have one of the best tax treatment possible for Swiss investors: low dividends and fully recoverable witholding taxes if held through a US domiciled fund (given your regular taxes outweigh the tax savings and you fill the right paperwork). They are best held outside of tax advantaged accounts (that is, there are other funds that would benefit more from it).
To clarify, finpension doesnât actually offer a fund tracking the S&P 500. However, it offers a MSCI USA pension fund without US WHT and without extra fees. The performance should be close to the S&P 500.
There is an article in Tages-Anzeiger on this topic today. Here are the relevant parts:
Der Bundesrat hat am Mittwoch eine entsprechende VerordnungsÀnderung in die Vernehmlassung geschickt. Er handelt dabei im Auftrag des Parlaments, das vor drei Jahren eine entsprechende Motion des Obwaldner Mitte-StÀnderats Erich Ettlin angenommen hatte.
Allerdings soll es bloss möglich sein, BeitragslĂŒcken zu stopfen, die nach Inkrafttreten der VerordnungsĂ€nderung entstehen. Ein Einkauf setzt voraus, dass im betreffenden Jahr der ordentliche Jahresbeitrag vollstĂ€ndig entrichtet wird.
Remainder of the article is mostly about lost taxes due to this new rule.
The Federal Councilâs proposal builds upon amending the so called BVV3 ordinance, which he can do himself without the need for parliamentary approval. Of course, itâs always possible for Parliament itself to get active and pass a new law, but that would take time. In addition, the budget preview for the coming years is very much in the red zone, so even in Parliament, with all the other potential initiatives resulting in tax revenue losses (Abschaffung Eigenmietwert, EinfĂŒhrung Individualbesteuerung etc.), this will chill ambitions with regard to a - for the vast majority of people - niche area.
Sorry for the gloomy outlookâŠ
Der Bundesrat hat an seiner Sitzung vom 22. November 2023 entsprechende Ănderungen der Verordnung ĂŒber die steuerliche Abzugsberechtigung von BeitrĂ€gen an anerkannte Vorsorgeformen (BVV 3) in die Vernehmlassung geschickt.
Amendments to the ordinance do not have to be approved by the chambers.
All they can do now is âreactâ to the proposal.
Project is in public âVernehlassungâ meaning that anybody (swiss citizen, associations, etc.) has the right to react, propose changes or criticize. All you have to do is write following the instructions displayed in the documents on this page Fedlex. Deadline is 06.03.2024
After that, the concerned office will present the Vernehmlassung results in a report and propose a new version of the ordinance to the Federal Council after another intern round.
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