# Risk of being reclassified as a professional securities trader when financing investments with a private loan? **URL:** https://forum.mustachianpost.com/t/risk-of-being-reclassified-as-a-professional-securities-trader-when-financing-investments-with-a-private-loan/18903 **Category:** Taxes **Created:** [May 17, 2026, 5:27pm UTC](https://forum.mustachianpost.com/t/risk-of-being-reclassified-as-a-professional-securities-trader-when-financing-investments-with-a-private-loan/18903 "2026-05-17T17:27:37Z") **Posts on this page:** 1 **Showing post:** 2
### Author: ![gaijin](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/gaijin/32/13983_2.png) [@gaijin](https://forum.mustachianpost.com/u/gaijin) #### Post date: [May 17, 2026, 5:46pm UTC](https://forum.mustachianpost.com/t/risk-of-being-reclassified-as-a-professional-securities-trader-when-financing-investments-with-a-private-loan/18903/2 "2026-05-17T17:46:55Z")
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](https://forum.mustachianpost.com/t/professional-investor-trader-status/1328/341): > > 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?](https://forum.mustachianpost.com/t/lombard-loan-and-professional-trader-is-it-a-problem/16268): > > 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… --- _[View the full topic](https://forum.mustachianpost.com/t/risk-of-being-reclassified-as-a-professional-securities-trader-when-financing-investments-with-a-private-loan/18903)._