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Old 27.07.2020, 10:51
HilR HilR is offline
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Join Date: Jun 2020
Location: Zurich
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Platforms & Investing for Retirement


Pleased to meet you all! What a fantastic resource this is! I am trying to do as much preparation in advance of taking up new employment in CH in a few weeks, and the EFS forum has been a great help. And my apologies if I ask too many Newbie questions...

My questions centre around investing for retirement.

Have been investing for many years using SIPPs and ISAs in the UK through the likes of HL and AJB using a Buy-and-Hold strategy, primarily in funds (mutuals/OEICS) and ETFs, and am looking to do the same in CH.

Pillars 1&2 sorted via employer
Pillar 3a the consensus appears to be (in order) VIAC, Frankly, PostFinance
Q1: Any others worth considering?

Pillar 3b appears to have no advantage unless you want insurance, which I don't
Q2: Are there any other investment opportunities via 3b? Any tax advantages that I may have overlooked?

So anything north of the CHF 6826 (in 3a) I plan to invest via a platform.
InteractiveBrokers appears to be a popular choice on the forum, and the CHF10 pm low volume fee does not appears to be expensive (from a UK perspective anyway)
Q3: Any other platforms that I should be considering that might suit my circumstances?

Q4: For registration, should I use a UK or CH address? I'm thinking in terms of ease of keeping on the right side of the Swiss tax authorities, eg reporting, automated payment of withholding tax, etc. Also in terms of Q5

Q5: What sort of investor protection is there (or should I be looking out for, whether this be for InteractiveBrokers or any other platform? e.g. in the UK it would be registration and regulation by the Financial Conduct Authority, ring-fencing of investor's funds/separate registration of ownership.

Many thanks in advance for your help!
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