It’s nice for just to have an honest breakdown of things ! Many thanks !
@18lan Жыл бұрын
Very informative. Thank you! 🙏
@ingeniousfinance Жыл бұрын
Hello Alan, Thank you for taking the time to leave a comment ! Glad it was useful to you. Take care Sebastien
@classy_biscuit Жыл бұрын
Thank you for sharing your knowledge - even though I work in finance it's a bit hard to grasp the concept as I come from the EU :)
@ingeniousfinance Жыл бұрын
Hello Nikola, Thank you for taking the time to leave a comment. Yes it is important to have a good investing strategy that is optimized tax wise... Feel free to schedule a consultation: calendly.com/ingeniousfinance/60min?month=2023-09 I am sure that I will be able to find areas for improvment and help you saving thousands of swiss francs :) Take care, Sebastien
@HolfTim5 ай бұрын
Hi! Thank you very much for the video! At 9:00, can you please explain where how did you calculate the value for the 4,7%? Is there a place where we can calculate or simulate the withdrawal fee - I am 28 years old and just moved to Geneva. I am interested on investing the 3rd pillar as a long term investor. Also, is it possible to qualify for the 3rd pillar if you use a broker (like swissquote, degiro, etc) and get the tax benefits, or do you need to use certain financial products offer by the banks or insurance providers?
@ingeniousfinance4 ай бұрын
Hello, I belive swissquote offer a third pillar but not degiro. However I wouldn't choose swissquote for my 3rd pillar. If you want to get on the right track and avoid the most common mistakes, feel free booking a meeting with me: calendly.com/ingeniousfinance/eng-consulting-100?back=1 Sébastien
@jamebrow7 күн бұрын
I have a third pillar banking solution, but the money just sits there and slowly deflates over time. Where are you finding something offering 7% growth!? I'm alarmed about all the tax you mentioned when we come to use it at retirement!
@ingeniousfinance7 күн бұрын
Hello, Great that you are already with a banking solution. If you want more information on how to invest properly your funds, you can reach me with the following link: calendly.com/ingeniousfinance/eng-consulting-100?preview_source=et_card&month=2024-09 Take care Sebastien
@tomasestevinho20732 ай бұрын
Merci pour la vidéo! J’ai le permis B, c’est-à-dire que mes impôts sont déduits à la source. Comment puis-je bénéficier des avantages fiscaux du troisième pilier? Merci beaucoup!
@ingeniousfinanceАй бұрын
Bonjour, Il suffit de demander une TOU (taxation ordinaire ultérieure), il faut absolument effectuer la demande avant le 31.03 de l'année suivante. Vous pourrez ensuite remplir une déclaration fiscale et appliquer toutes les déductions. Cordialement, Sébastien BEROS
@tomasestevinho2073Ай бұрын
@@ingeniousfinance Merci beaucoup!
@PkTwothousand4 ай бұрын
Hi, I am a long term investor in low cost ETFs, does it make sense for me to use pillar 3a or it’s better to just invest the money directly in my IBKR ETFs?
@ingeniousfinance4 ай бұрын
Hello, If you are employed and earn more than 50K/year by person then it is certainly more interesting to invest through your 3rd pillar 3a. If you need a more specifi answer, feel free booking a consultation: calendly.com/ingeniousfinance/eng-consulting-100?back=1&month=2024-05 Sebastien
@fredwells74032 ай бұрын
Yes because you can deduct everything you invest into 3a from your taxes. So that's like garenteed returns lol
@mrsupperman2678Ай бұрын
If I decide to leave Switzerland and withdraw my 3rd pillar (moving into an EU country), will I be allowed in the future to move back to Switzerland if I want? Its not clear what are the conditions/restrictions of the “Move abroad permanently”
@ingeniousfinance29 күн бұрын
Hello, You will not have any issue with returning to Switzerland. The only issue might be tax wise where you may be required to recapitalize the amount withdrawn to your 3rd pillar. Imo, the risk is very low for a 3rd pillar. If you want to be on the safe side I would wait maybe 3 years between the time of withdrawal and the tiem you return to Switzerland (tax wise) Sebastien
@hahhah9361 Жыл бұрын
Bonjour, je suis citoyen suisse et j’aimerais investir mon argent pour le faire fructifier sur le long terme, j’aimerais quelques conseils si possible. Comment puis-je vous contacter? Meilleurs vœux de réussite pour votre chaîne en 2023
@ingeniousfinance Жыл бұрын
Bonjour Hah Hah :) Bien sûr, vous pouvez réserver une consultation via Teams à travers mon lien calendly calendly.com/ingeniousfinance/60min/invitees/a709d8b6-ed6d-417b-b2d5-05144bd85990 Si vous souhaitez une analyse encore plus précise, veuillez préparer: - Votre dernière déclaration fiscale - Vos revenus net/impôts En effet, celà peut influencer la stratégie d'investissement en fonction de votre taux marginal d'imposition. Merci beaucoup pour vos souhaits :) Meilleurs voeux pour cette année 2023 ! Sébastien