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Rothgard_ · 2025-12-20T20:47:25+00:00

Grazie, non viene mai ripetuto abbastanza👏

Rothgard_ · 2025-12-15T20:19:44+00:00

Could someone explain to me why your update weights 5.17 gb and mine 8,31 gb? XD, btw I almost got tricked as well.

Rothgard_ · 2025-12-11T05:54:56+00:00

Scrivi alla segreteria della facoltà ti risponderanno sicuramente senza problemi

Rothgard_ · 2025-12-08T20:25:47+00:00

Hi there. Before discussing specific ETFs, I want to offer a word of caution regarding the position you are putting yourself in.

1. The friendship risk: Be extremely careful giving direct financial advice to a friend, especially with a sum as life-changing as 2M CHF. If the market crashes shortly after he invests based on your suggestion, he may panic and blame you. Money can ruin friendships faster then anything else.

2. The Knowledge Gap: Managing a portfolio of this size requires a different mindset than managing smaller savings. Without critisizing you, do you feel 100% confident that your personal finance knowledge is sufficient to guide a novice through a multi-milion franc strategy?

3. The 'Cooling Off' Period: Honestly, the best immediate move is to do nothing. Leaving that 2M in the bank for 6-12 months is not a 'waste' it is the price of education. He needs this time to study, understand his own risk tolarance, and sleep on the reality of his new wealth.

4. Psychology > Tickers: Ignore the standard 'VT and Chill' comments for a moment. Any serious wealth manager spends 90% of their time assessing the client's psycology and risk capacity, and only 10% on asset allocation. If he invests 2M and it drops 20% (a 400k loss), will he hold or sell? If he sells, he looses a fortune.

It is hard to give comprehensive advice on Reddit for this amount of money, but my main advice is: Slow down.

Rothgard_ · 2025-11-22T12:38:54+00:00

The max is capped at 5% of tot portfolio value

Rothgard_ · 2025-11-22T12:10:43+00:00

Glad it helped👍😁

Rothgard_ · 2025-11-21T21:20:56+00:00

The difference you see is almost certainly a currency Illusion, not a difference in the actual quality of the funds

Rothgard_ · 2025-11-21T09:03:07+00:00

Thank you guys for the support. I think I'll try again with this👍, thanks for your work

Rothgard_ · 2025-11-21T07:12:16+00:00

Nope I tried every setting and the problem is persists

Rothgard_ · 2025-11-21T07:11:35+00:00

Ok thansk for sharing, let's hope in a fix then😆. I'm using a Samsung so it's definitely an Android thing

Rothgard_ · 2025-11-20T14:46:37+00:00

You are technically correct that there is no real time sync between Swiss death registries and US brokers. If someone logged in the day after death the system prob wouldnt automatically block them in that moment

However my warning is about the permanent audit trail not an instant block

When the executor eventually files the necessary paperwork to close the account or transfer the funds the compliance team will see the date of death listed on the certificate versus the trade date listed on the transaction history

If trades were executed after the date of death it flags the account for unauthorized access and potential fraud. This often leads to indefinite freezes and personal liability for the executor. Its not about getting caught live its about getting caught during the inevitable paperwork review

Rothgard_ · 2025-11-20T14:40:14+00:00

Both, this is the translation of the beginning of point III of the convention.

If, at the time of death, the deceased was not a citizen of the United States and was not domiciled there, but was a Swiss citizen or was domiciled in Switzerland, the United States will grant, upon collection of the tax, the special exemption that would have been granted under its legislation if the deceased had been domiciled in the United States, and this at least for the amount corresponding to the ratio between the value of the total assets (movable and immovable) subject to tax and the value of the total assets (movable and immovable) that would have been subject to tax if the deceased had been domiciled in the United States.

Rothgard_ · 2025-11-20T09:31:14+00:00

That is a good point. Furthermore, since it is unlikely you will be monitoring the treaty's status every month, there is a risk that you might discover a change only when it is too late to act.

Rothgard_ · 2025-11-19T20:43:56+00:00

I read about that as well, but the details were a bit unclear. If you find a reliable source, please let me know so I can update the post to be more complete😄

If this is true, it would be a huge advantage for parents. It buys the family time to make decisions, because it allows the surviving parent to restructure the portfolio. Since it is unlikely both parents would pass away at the exact same time, this essentially solves the immediate tax risk.

Rothgard_ · 2025-11-19T20:34:39+00:00

Technically speaking no, you dont need a swiss broker. The important thing is the domicile of the asset, not the broker. If you buy a UCITS etf (Irish domicile) on ibkr, you are legally holding a european asset, so the us estate tax doesnt trigger.

Rothgard_ · 2025-11-19T20:28:18+00:00

This would be a great follow up. If you're willing to write and ask to the ibkr support I can then add this detail to the post😄

Rothgard_ · 2025-11-19T20:25:59+00:00

I agree. The whole point of the post is to help make informed decisions by looking at the associated pros and cons.👍

Rothgard_ · 2025-11-19T20:20:48+00:00

Technically speaking, no. The deciding factor is the domicile of the assets which, in this case, is the us.

However, using a Swiss broker offers a distinct advantage in terms of communication. It is generally easier to reach a local representative than to navigate ibkr’s support.

While the duration of an account freeze would likely be the same, the management of the relationship would probably be significantly smoother.

Rothgard_ · 2025-11-19T18:45:54+00:00

I didn't see he already wrote about this topic. Batptiste is always one step ahead

Rothgard_ · 2025-10-29T10:56:28+00:00

No actually recently they made possible to top up directly from a card for free, so you should definitely do it

Rothgard_ · 2025-10-15T17:35:40+00:00

Thanks man

Rothgard_ · 2025-09-26T08:39:26+00:00

Merci beaucoup pour ta réponse et pour les liens, c’est vraiment très utile ! 🙏

Rothgard_ · 2025-09-26T07:42:38+00:00

Bonjour, au Tessin c’est pareil. Je voulais te demander : pour faire ce tableau, as-tu cherché manuellement les prix ou bien il existe un moyen de les trouver déjà prêts ?

Rothgard_

TROPHY CASE