Risk of being reclassified as a professional securities trader when financing investments with a private loan?

[gaijin]

This is a topic that is often discussed in this forum.

My short answer is: based on your assessment, especially “realised gains are not needed to cover living expenses”: you have a low risk of being classified as professional trader.
So far, there was one forum member who proactively asked for an assessment and was classified as professional trader. See here:

Professional investor/trader status

I am based in Bern and got classified by the tax office of Bern as a commercial investor and the tax and AHV can go up to 55% in Bern: I work 100% as an engineer I have almost 150trades per year I did not keep every stock/ETFfor more than 6months I have had leverage money the total volume of trade was maybe about 3-4 times of the capital I wrote this just as a warning for others, as I got asked to do..

This thread discusses margin loans and professional trader status:

Lombard loan and professional trader: is it a problem?

Hello, so we often had the discussion about the “professional trader status” that, in practically all cases, can be neglected. However I was wondering: I just read this post and find this margin loan an interesting option. I use Swissquote and I think they call it Lombard loan there, but it is essentially the same according to my understanding. I would also like to use it, but much much lower percentage than it is mentioned in this post (so I would use less than 25% of my portfolio value). T…