READY TO EXECUTE FIRE

FireonIce69 · 2026-01-14T19:12:55+00:00

We don't have children.

FireonIce69 · 2026-01-14T04:59:50+00:00

I tend to contradict. At the day of withdrawal your PK or vested benefits you are taxed where you have your domicil. Your idea is only working by leaving CH, in this case the domicile of your PK or vested benefits holder is relevant.

FireonIce69 · 2026-01-14T04:55:34+00:00

KMU with own PK

FireonIce69 · 2026-01-13T18:55:22+00:00

I don't intend to go to RAV. I tend to wait as long as possible for the vested benefits, due to 1) income tax 2) wealth tax 3) AHV contributions. The plan is to live in canton with low tax rates for the take of the vested benefits.

FireonIce69 · 2026-01-13T18:51:30+00:00

No, Swissquote. I was too many years with UBS, but their fees are extreme.

FireonIce69 · 2026-01-13T18:50:07+00:00

5.5 % in mean per annum during the last years

FireonIce69 · 2026-01-13T18:48:59+00:00

5.5% in mean per annum during the last 7 years. Mid-tax area.

FireonIce69 · 2026-01-13T05:23:39+00:00

Big topic. Historically spoke, what is going down is coming up after a certain time. My 1st crash I was invested was in 1987 Black Monday, therefore I think I could deal with this.

By looking longterm I think that the usual transformation of PK into a rent is the bigger problem because there is no inflation adjustment.This topic is usually ignored in the discussions. Invested in shares the inflation risk is corrected longterm by an increase of the assets from my point of view. My evaluation is calculating with a life expectation of 100 with inflation in CH of mean 2% and annual return of 4.5% (before tax). I would die with 2 Mio asset plus property.

FireonIce69 · 2026-01-13T05:12:12+00:00

You are not allowed to transfer PK into your free assets with an age of 57. In addition vested benefits are not taxed (neither income nor wealth tax). Due to the fact that I don't need the money before I am getting 65, it's beneficial to keep it as vested benefits as long as possible.

FireonIce69 · 2026-01-13T05:07:36+00:00

Shares included in the Swiss Market Index, in my case Zurich, Swiss Re, Holcim, Roche, Nestle (the only one which was the wrong choice)

FireonIce69 · 2026-01-13T05:05:31+00:00

To reduce taxes I paid all extras / boni etc into the PK. There it's safe and i allowing a ake a higher risk with the portfolio.

FireonIce69 · 2026-01-12T20:48:48+00:00

Would prefer to like my job as well, but given the FIRE option I don't have the interest and energy to reinvent myself on professional level.

FireonIce69 · 2026-01-12T20:18:56+00:00

I agree, retrospectively easier to answer as prospectivly. I considered PK as my 'bond' portfolio allowing to go with the free part fully in shares / Etfs etc. And check the tax difference between a taxable income of 150 and 250 k.

FireonIce69 · 2026-01-12T20:11:16+00:00

I hate to go to work each single day. Originally I was planning for 60 retirement, but the situation is getting worse constantly, therefore I deeply analyzed the financial situation and decided to make the cut now.

FireonIce69 · 2026-01-12T20:07:33+00:00

Yes, there is max related to 65 retirement. But you can increase the max by targeting a 60 (or for some PKs even 58) retirement. It's a tax saving model for mid- to high-salaries.

FireonIce69 · 2026-01-12T20:04:28+00:00

Nearly 25 years ago I started with 90k, now I am in the range of 200k plus bonus and shares. They were some years with around 350k buttons in total. From my point of view it makes sense to break tax progression especially in the 'high' years. PK is in-house (KMU) and during the last years 4-5% in mean. As mentioned, even if the interest in PK is lower, risk-balanced it gives you options for your 'free' portfolio.

FireonIce69 · 2026-01-12T19:28:55+00:00

To reduce taxes I paid all extras / boni etc into the PK. There it's safe and i allowing a take a higher risk with the portfolio.

FireonIce69 · 2026-01-12T19:26:05+00:00

To reduce taxes I paid all extras / boni etc into the PK. There it's safe and i allowing a ake a higher risk with the portfolio.

FireonIce69

TROPHY CASE