# Tax optimisation for ETF investing \[2024\]

**URL:** https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing-2024/12947
**Category:** Taxes
**Created:** [February 13, 2024, 5:30pm UTC](https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing-2024/12947 "2024-02-13T17:30:39Z")
**Posts on this page:** 1
**Showing post:** 214

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### Author: ![jay](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/ed8c4c/32.png) [@jay](https://forum.mustachianpost.com/u/jay)
#### Post date: [October 19, 2024, 6:46am UTC](https://forum.mustachianpost.com/t/tax-optimisation-for-etf-investing-2024/12947/214 "2024-10-19T06:46:00Z")

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> [@Abs\_max](#):
>
> I always thought the proportions are based on tax value of assets .

Yes, the ratio of the tax value of DA-1 assets to the total taxable assets is what’s used to distribute deductions (Steuerwert DBA-Titel : Wert Total Aktiven).

> [@Abs\_max](#):
>
> Shouldn’t max claim be  
> 1000 - 150 = 850 \* 16.5% = 140.25 CHF?

Seems correct to me, assuming 16.5% is the tax rate and there are no other taxable assets.

> [@Tax refund via DA-1 denied](https://forum.mustachianpost.com/t/tax-refund-via-da-1-denied/2174/48):
>
> I’m not sure if the decision of the tax office has a legal ground. I’m not a lawyer, but the interest payments should be counted in proportion to your actives? [https://www.admin.ch/opc/de/classified-compilation/19670167/index.html#id-2-2-c](https://www.admin.ch/opc/de/classified-compilation/19670167/index.html#id-2-2-c) So if you have 500k in funds that yield 2%, 700k mortage at 1% and a home that is worth 1’000k, then 2.3k of the 7k interest payments should be deducted from the 10k dividends. If you make the calculation (10k\*15%)/(10k-7k\*(500k/(500k+1'000k))), then you wo…

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