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  #61  
Old 27.08.2017, 13:57
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Re: Information on "fiscale deal"

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Yes, but you and roegner live in the same country. I find hard to believe you can be both "right". You say you can have a decent lifestyle with 36k, the other saying would be poor with 100k a year.
As mentioned before it depends on lifestyle, choices and location. You can definitely have a decent lifestyle with 36'000 francs per annum.
A lot of people, probably most, especially if they work, will both want and already earn much more than this.
Some will always say, however much they make each month, is not enough.
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  #62  
Old 27.08.2017, 13:58
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Re: Information on "fiscale deal"

if you're looking only at 36k of income, then tax isn't really a big consideration for many countries.
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  #63  
Old 27.08.2017, 14:01
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Re: Information on "fiscale deal"

I understand that they have capital/cash and would be living off this amount, i.e. living off savings of nearly 3 million francs and no extra income from work etc.
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  #64  
Old 27.08.2017, 14:10
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Re: Information on "fiscale deal"

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. Only job I would consider is dog sitting
You need qualifications to do that in CH.
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  #65  
Old 27.08.2017, 14:23
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Re: Information on "fiscale deal"

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I don't want to be a wealthy guy (otherwise I would've moved to Spain, or stayed in Italy where with 100k chf a year you're moderate wealthy). I want to be a Swiss regular guy with a ton of free time, without having to take very high risks (nothing would suck more than to be forced to work in 10 years because something went wrong). Only job I would consider is dog sitting
Being a regular guy and having lots of free time in Switzerland is not as fun or interesting as being a regular guy in Spain. No one is saying you need to spend all you 100k a year in Spain and be a poser.

I love Switzerland. But in your position I wouldn't choose Switzerland. Not at 30 yrs old. Maybe at 60. You'll drop dead of bordom.
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  #66  
Old 27.08.2017, 14:27
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Re: Information on "fiscale deal"

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You need qualifications to do that in CH.
Could be arranged. I don't want to work as a dog sitter full-time : I like dogs, I probably wouldn't be able to afford a house with a garden in Switzerland and after my last dog died I've been so bad that I decided to not purchase a dog again. But walking other people's dog twice a week will be enjoyable, will look if charging money covers the effort of getting that qualification
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I understand that they have capital/cash and would be living off this amount, i.e. living off savings of nearly 3 million francs and no extra income from work etc.
I (not we, I'm happily alone) would like to live with the income generated by investing those 3 kk chf (a bit less actually)

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if you're looking only at 36k of income, then tax isn't really a big consideration for many countries.
No sir, 36k is the income of another fellow member on this thread. I don't think I could live comfortably with that amount of money, and I truly believe I can achieve more
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  #67  
Old 27.08.2017, 14:31
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Re: Information on "fiscale deal"

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I (not we, I'm happily alone) would like to live with the income generated by investing those 3 kk chf (a bit less actually)
The more you earn from investing, the less of a dent you will be making in your 3 million francs bank balance whilst living here. Having said that most investing involves risk.
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  #68  
Old 27.08.2017, 14:38
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Re: Information on "fiscale deal"

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Being a regular guy and having lots of free time in Switzerland is not as fun or interesting as being a regular guy in Spain. No one is saying you need to spend all you 100k a year in Spain and be a poser.

I love Switzerland. But in your position I wouldn't choose Switzerland. Not at 30 yrs old. Maybe at 60. You'll drop dead of bordom.
First, I believe Swiss future is brighter than Spanish or Italian one. Although someone in this thread say that it doesn't matter where you live as long as you have money, I believe you need at least 20 million to create a "bubble" and be safe whatever situation may presents. And as a rentier, that part is important. Cause if something like Argentina happens, if you are a skilled worker you will have a chance to work again and see your income adjusted. That's not the case of a rentier. And going back to work after 10 years of inactivity must be hell.

On top of that, I've done my fair share of parties until now. I want to relax, do a lot of spots, watch movies (I watch an average of 12 movies a year, imagine how many of them I missed!) play games and read. Traveling is also something I like
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Old 27.08.2017, 14:41
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Re: Information on "fiscale deal"

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The more you earn from investing, the less of a dent you will be making in your 3 million francs bank balance whilst living here. Having said that most investing involves risk.
True, I want to keep my risk rate on the lower side of the spectrum. Nowadays the world is very interconnected so it's harder to truly diversify your income sources. I want to move to Switzerland cause there's less chance for it to fail compared to Italy, but if Italy fails Switzerland won't be uneffected
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Old 27.08.2017, 14:55
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Re: Information on "fiscale deal"

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First, I believe Swiss future is brighter than Spanish or Italian one. Although someone in this thread say that it doesn't matter where you live as long as you have money, I believe you need at least 20 million to create a "bubble" and be safe whatever situation may presents. And as a rentier, that part is important. Cause if something like Argentina happens, if you are a skilled worker you will have a chance to work again and see your income adjusted. That's not the case of a rentier. And going back to work after 10 years of inactivity must be hell.

On top of that, I've done my fair share of parties until now. I want to relax, do a lot of spots, watch movies (I watch an average of 12 movies a year, imagine how many of them I missed!) play games and read. Traveling is also something I like
If you hold equities you are protected against inflation. On balance inflation effects pensioners very little as they get high interest on Bank accounts if they are risk averse. Pensioners are screwed with ZIRP, as inflation exceeds interest rates.
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  #71  
Old 27.08.2017, 14:59
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Re: Information on "fiscale deal"

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You seem to know it all better than the perfectly sensible answers already given.
If you do not trust any of the answers here, get a tax lawyer and pay for advice?
To be fair some of them were not particularly sensible.

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Yes, but you and roegner live in the same country. I find hard to believe you can be both "right". You say you can have a decent lifestyle with 36k, the other saying would be poor with 100k a year
I checked the places and found multiple "good options". I will need to figure out if maybe buying cash after few months is better than renting / getting a mortgage. But that's another subject
You might see good options online. When you show up to see them there will be 30 other people....

It will not be easy. The higher the budget the easier it will be. It gets easier at 2500+

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First, I believe Swiss future is brighter than Spanish or Italian one. Although someone in this thread say that it doesn't matter where you live as long as you have money, I believe you need at least 20 million to create a "bubble" and be safe whatever situation may presents. And as a rentier, that part is important. Cause if something like Argentina happens, if you are a skilled worker you will have a chance to work again and see your income adjusted. That's not the case of a rentier. And going back to work after 10 years of inactivity must be hell.

On top of that, I've done my fair share of parties until now. I want to relax, do a lot of spots, watch movies (I watch an average of 12 movies a year, imagine how many of them I missed!) play games and read. Traveling is also something I like

You are 30 years old! Sorry but you are not going to spen the next 40+ years watching movies.

As was said banks are international. You don't need to live where your money is.

It sounds like you are burnt out.

If I were you, I would take a furnished sublet for 6 months before doing anything.
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  #72  
Old 27.08.2017, 15:03
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Re: Information on "fiscale deal"

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You are 30 years old! Sorry it you are not going to spen the next 40+ years watching movies.
To be fair, they will probably be planning other activities as well...
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  #73  
Old 27.08.2017, 15:04
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Re: Information on "fiscale deal"

For info I was single & retired at 52. I got married at 54 for the first time & my expenses are at least 50% higher than I budgeted 3 years ago.
Luckily the majority of my capital is invested in www.fundsmith.co.uk, so my expenditure as a percentage of capital has fallen since retirement.

TBH having a wife is a full time job
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  #74  
Old 27.08.2017, 15:04
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Re: Information on "fiscale deal"

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To be fair, they will probably be planning other activities as well...
Yeah, walking the dog.
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  #75  
Old 27.08.2017, 15:06
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Re: Information on "fiscale deal"

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TBH having a wife is a full time job
Couldn't agree more with this one, though the term 'wife' could be switched with 'husband', 'spouse' or 'partner' and the statement would be equally correct!
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  #76  
Old 27.08.2017, 15:22
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Re: Information on "fiscale deal"

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Yes, but you and roegner live in the same country. I find hard to believe you can be both "right". You say you can have a decent lifestyle with 36k, the other saying would be poor with 100k a year.
I'm not sure if you realize this - at least it comes across from your posts that you likely don't - but in Switzerland everything is local. We see it all the time on the forum; my experiences in Ausserschwyz are different from another poster's in Zürich, which are lightyears away from the experiences of the folks across the Rostigraben, and of course Tom's Tessin is practically another planet. ( )

And we're all right. Because we all experience Switzerland - the good, the bad, the ugly concrete boxes locally.

You do realize that every cantons and every community has it's own tax rate, don't you? Folks where I live pay half of what folks in another village 10 minutes away must pay. Which is still lower than in the Romandie.

What we get for our tax payments varies widely - which of course affects what comes out of your pocket, adding to the very different impressions of Swiss cost of living.

Perhaps the largest difference is in cultural attitudes, approach to legalities, social structures. I don't even recognize the country that many posters here describe as 'their' Switzerland, as that country is nothing like the Switzerland I know. And I'm sure that there are many posters equally at sea when I talk about my daily life here.

Even when there is a federal law it's up to local authorities to enforce it - or not, as local luminaries might see fit. What is treated a hanging offence in Ausserschwyz might be winked at elsewhere.

Of course you have found conflicting information scattered all over t'interwebs - because what you are looking for is largely local. Then add in your own personal obligations, needs, lifestyle... and you see why there is such a divergence of opinion.

----

Good luck with your research and with your decision.
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  #77  
Old 27.08.2017, 15:28
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Re: Information on "fiscale deal"

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Yes, but you and roegner live in the same country. I find hard to believe you can be both "right". You say you can have a decent lifestyle with 36k, the other saying would be poor with 100k a year.
I am not saying that you cannot live on 36k net in Switzerland. I am just wondering why you would do that when you have sufficient money?
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  #78  
Old 27.08.2017, 15:36
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Re: Information on "fiscale deal"

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I am not saying that you cannot live on 36k net in Switzerland. I am just wondering why you would do that when you have sufficient money?
Well, if they start living off 150'000 francs a year for example, in 20 years time the 3 million franc bank balance is practically wiped out.
As mentioned, 36'000 francs per annum will seem low to many. We get by and put money aside, even if people think this is not possible, it is.
Something a little higher, but not extravagantly high should be alright.
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  #79  
Old 27.08.2017, 15:47
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Re: Information on "fiscale deal"

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I am not saying that you cannot live on 36k net in Switzerland. I am just wondering why you would do that when you have sufficient money?
Switzerland is a fabulous place to live if your rich with say a min of 200k a year, great place to live at 120k plus a year, OK place at 80K.

It's a terrible place to live @40k

Having lived in CH earning 60-110K, after living in Malta on 20k, I would want 250k as an absolute minimum to return to CH.
However good Switzerland is there is a nonsense / *ank factor that needs 100% surcharge
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Old 27.08.2017, 15:51
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Re: Information on "fiscale deal"

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It's a terrible place to live @40k
Can you say why?
Leaving Switzerland is an option for us, we have no strong ties here. I would really appreciate any arguments for and against.
I like it here.
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