Tax-aware investing
Swiss investors are taxed on wealth and on income, not usually on capital gains. Build a portfolio that ignores this and you hand over returns you never had to.
Book a 30-minute callWho this is for
- You hold income-heavy funds without knowing what they add to your tax bill
- You have moved canton, or are about to, and nobody has mentioned what that changes
- You have a second tax residence, or assets in another country
What is included
- 01Your actual positionWealth tax and income tax as they apply to you in your canton, and what your current portfolio contributes to each.
- 02Distributing or accumulatingWhere the choice changes your taxable income, and where it makes no difference at all despite what the internet says.
- 03Withholding taxForeign withholding suffered inside your holdings, how much is recoverable, and how instrument choice changes the leakage.
- 04The professional trader lineFrequent trading can reclassify gains as taxable income in Switzerland. We flag where a strategy drifts toward that boundary.
- 05Cantonal differencesWhat a planned move changes, and where the timing of a transaction around it matters materially.
- 06Cross-borderA second tax nexus changes which instruments are efficient and which become reportable. Raised early, not after the fact.
What this looks like in practice
A portfolio built entirely from distributing income funds by an investor on a high marginal income tax rate who had never connected the two facts.
We quantified the annual income tax the structure generated, modelled the equivalent accumulating holdings, and set out the transition sequence including what switching would cost.
A restructuring plan with the annual saving stated, and the professional-trader boundary flagged so the transition did not create a worse problem.
What it costs
Dimension10% of the gain
There is no separate charge for this piece of work. Nothing. The share of the gain is the whole of it.
The full scale, the minimum, a worked total including broker or platform costs, and our written policy on retrocessions all sit on one page.
See the fee scaleQuestions
Are you tax advisers?
No. We build portfolios that take tax into account and coordinate with a qualified tax adviser, often one you already use. Formal tax opinions come from them.
Are capital gains really untaxed in Switzerland?
For a private investor, generally yes. But frequent trading can have you reclassified as a professional trader, at which point they are not. That is exactly why the boundary is worth watching.
I am not Swiss. Does this still apply?
The Swiss part applies while you are resident here. A second tax nexus elsewhere changes the picture, and that is cross-border work we flag at the first call.
Related work
- 02Portfolio reviewA second opinion on what you already hold: what it actually costs you, what it is really exposed to, and what you would not buy again today.
- 01Investment adviceWhat to buy, in what proportion, and when to leave it alone. We research and recommend; you place every trade yourself, from your own account.
- 05Retirement investingPillar 3a (Säule 3a), vested benefits and pension capital, invested rather than left in cash, and the drawdown question that follows.