I have a silly question. I’m taxed at source, and this is advantageous to me. Hoewever, my fortune is about 10KCHF too big for taxation at source. Theoretically, this would mean that i have to fill request the complete taxation (i.e. no longer taxation at source). I have done the simulation and found that regular taxation costs me about 1kCHF more than at source (mostly due to COVID/WFH reducing what I could consider travel and work expenses)
In other words, I need to get rid of 10KCHF to save 1KCHF in taxes. Crazy right? If I want to avoid this, I see two options:
Option A: Is it legal to arrange for a transfer of this 10KCHF to a friend, thus avoiding the entire hassle?
Option B: Would it even be possible to do a transfer from one bank to another bank. If I’m not mistaken, the amount is debited right away but by the time it arrives at the other account, one working day would have passed, thus not showing as being in my possession for either bank account.
It feels dodgy, and I’m ready to pay my dues if I have to - but the effort and money required seems silly compared to the sum that I’m over the allowance. Are either of these options legal? Is there possibly a better way to do this?
NB: I’m in a special situation where my taxation would occur End of March (and not End of December)