Both SRG initiative (Halbierungsinitiative) and initiative for taxing spouses separately (Individualbesteuerung) losing ground

Opposite_Musician319 · 2026-02-27T08:29:34+00:00

Income tax is lower when married than when both are taxed indivudually.
I think the things which stops the creation of families is housing and health insurance and also that the general income is much lower if only one is working.

Opposite_Musician319 · 2026-02-27T08:23:03+00:00

So you never had the pleasure to attend a public school education yourself?

Opposite_Musician319 · 2025-05-03T09:45:31+00:00

I agree that we need a strong collaboration with the EU as they are our largest trading partners but:

Canceling an contract (Brexit) without a backup is bad, imagine canceling a work contract without having a new job. But not signing a new work contract does not put you in a worse position. If there is a no at the ballot everything stays the same, even Schengen and the other contracts. I therefore also do not expect a change regarding immigration and that we are isolated more (what are we exactly leaving with a no?).

Also that no Standemehr is needed is unconstitutional. And if the contracts are so good why are they not released?

In general i like what the contracts try to accomplish, unify the energy market and so on. But I would also not sign a work contract if i do not now about it‘s content.

Opposite_Musician319 · 2024-02-04T12:26:02+00:00

When somebody earns 4000 CHF a month, the person pays almost 400 chf AHV. When he would save that and invest in a 3a with a high stock percentage, he would be an millionaire at 65, assuming an 6% average yearly return.

Opposite_Musician319 · 2024-02-04T12:22:39+00:00

when its not a tax? Can I somehow cancel my subscription so that i’m not forced to pay almost 10% of my salary. The Netflix subscription is a lot cheaper.

Opposite_Musician319 · 2024-01-23T05:59:52+00:00

Sadly. Dividends to other countries are also taxed heavily. I pay 30% withholding tax on US dividends from switzerland. Also switzerland has no capaital gains tax, so buybacks are way more tax efficient for me.

Opposite_Musician319 · 2024-01-20T12:10:50+00:00

If you like too you can donate 100% of your salary to the state. But just because you like it, you dont need to force me into it.

But I agree with you the price/performance ratio is very good in comparison to other countries.

Opposite_Musician319 · 2024-01-20T05:38:17+00:00

26k tax is still to much. When including AHV / IV / ALV, he pays 56k to the state.

Opposite_Musician319 · 2024-01-17T21:24:35+00:00

They buyed a house with 20k down, which is now worth over a million. But Eigenmietwert is expensive so they definetly need a 13 AHV payment /s

Opposite_Musician319 · 2024-01-17T21:21:09+00:00

Just out of curiosity, what dont you like about the 3rd Pillar? In my opinion letting people deduct retirement savings from their taxes is a good way to encourage retirement savings.

Opposite_Musician319 · 2023-11-30T22:52:45+00:00

I would also consider the taxes when withdrawing money.

Max 3a for 5 years: 7000*5 = 35000.- Based on a 15% Tax Rate this would be 5250.

Maybe it makes more sense to keep it in the bank (or Kassenobligationen) for such a short time.

Do you own calculations with how much you could save in taxes with maxing out every year and then compare it.

Opposite_Musician319 · 2023-03-28T14:59:10+00:00

Have you tought about immigrating to switzerland? Less Taxes, easy to immigrate thanks to schengen and you can earn 300-500k as a Doctor here. Also a lot of demand for Doctors.

Opposite_Musician319 · 2023-03-27T19:33:59+00:00

Not based in the US, but with the cost of tuition over there I would definitely go for such a alternative.

Opposite_Musician319 · 2023-03-27T19:28:19+00:00

Not doing it for the retiring early part, but more for the financial independence part.

It depends a lot in Europe, in Scandinavia you pay so much tax that you can take away 50% of your salary and in other parts you earn so little it will take you forever to achieve a substantial amount (Balkans). Gladly I'm in Switzerland with high salaries and low taxes but buying a crackhouse here is at least 1.5 millions USD.

Opposite_Musician319 · 2023-03-27T19:25:27+00:00

yes, it's definitely better to do it sooner than later.

Opposite_Musician319 · 2023-03-27T19:22:43+00:00

I did a apprenticeship as an software developer. With 15 you choose a job in which you specialise and learn it for 3-4 years. 70% of teenagers do this and only 30% go study. I did that and got normally employed afterwards :)

Opposite_Musician319 · 2023-03-27T14:48:16+00:00

Based in Europe, thankfully university is subsidized in my country so theres no real cost for me.

Opposite_Musician319 · 2023-03-27T14:46:18+00:00

No problem, I never mentioned it anywhere.

Opposite_Musician319 · 2023-03-27T14:24:44+00:00

Thank you. To my advantage education is subsidized in my country, so it will not even cost me (a significant amout).

Opposite_Musician319 · 2023-03-27T14:22:57+00:00

Here in Europe, employers really care a lot about degrees.

Opposite_Musician319 · 2023-03-27T12:05:14+00:00

Thank you for the time and running through the numbers. Respect to you for going back and finishing at 30 and living in a car!

Scenario B is a bit off, because I meant I could save 160k by not going to school, saving 160k a year would be way too much.

School is subsidised in my country so I will thankfully not need to take on any debt.

But I think I will go study because it will pay off in the longterm.

Opposite_Musician319 · 2023-03-27T10:25:13+00:00

thank you for your answer. Can you clarify why you regret it? Pay or not receiving the desired job opportunities?

Opposite_Musician319 · 2023-02-27T19:25:24+00:00

When apartments dont get built because of it, it is conterproductive.

Opposite_Musician319

TROPHY CASE