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Old 16.01.2019, 15:01
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Commuting Wollerau Maennedorf

Hello all,

would be nice if somebody can share an opinion about the following:

I will work in Maennedorf area but was thinking to rent the apartment in Wollerau for tax reasons.

Distance is approx 22 Km, both via Rapperswil or via Horgen Meilen ferry.
Connection by public transport is not the best (1 hr approx) so I was thinking to go by car. How is the Hurden-Rapperswill bridge in the morning in terms of traffic congestion? would be an option to take the Ferry Horgen-Meilen?

thank you in advance for your suggestions!
cheers
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Old 16.01.2019, 15:18
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Re: Commuting Wollerau Maennedorf

Whatever you think you maybe saving in tax you will pay in rent and transport


(Unless of course you are mega-rich, think 7 or 8 "zeros" before the decimal point)
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Old 16.01.2019, 15:39
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Re: Commuting Wollerau Maennedorf

I would not contemplate crossing the lake everyday if you have a choice, rent in Mannedorf would be arguably cheaper than Wollerau, all the villages along that side of the lake are lower in tax rates than most of Canton Zurich.
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Old 16.01.2019, 16:02
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Re: Commuting Wollerau Maennedorf

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I would not contemplate crossing the lake everyday if you have a choice, rent in Mannedorf would be arguably cheaper than Wollerau, all the villages along that side of the lake are lower in tax rates than most of Canton Zurich.
Yes, true. Almost all villages lower than most of Canton Zurich, but still 3-4% higher than Wollerau and/or Canton Schwyz.
Thanks for your opinion!
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Old 16.01.2019, 16:34
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Re: Commuting Wollerau Maennedorf

Looking at your previous post you are expecting 180-220k CHF a year.

At 250k yearly income and 500k assets, Wollerau is 30k a year in total taxes, Mannedorf is 42k a year.

You are talking 12k a year in tax saving, which will be reduced by higher rent in Wollerau (if you can find something below 3k a month at all) and commute costs. Not to talk of time wasted and aggravation.

You may want to re-run your tax savings vs. hassle calculation.

To answer your original question, the Rapperswil single lane bridge is very busy at commute times.
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Old 16.01.2019, 16:58
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Re: Commuting Wollerau Maennedorf

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Looking at your previous post you are expecting 180-220k CHF a year.

At 250k yearly income and 500k assets, Wollerau is 30k a year in total taxes, Mannedorf is 42k a year.

You are talking 12k a year in tax saving, which will be reduced by higher rent in Wollerau (if you can find something below 3k a month at all) and commute costs. Not to talk of time wasted and aggravation.

You may want to re-run your tax savings vs. hassle calculation.

To answer your original question, the Rapperswil single lane bridge is very busy at commute times.
Thank you Dutch!
looking in homegate for a 3.5 apt I find more or less same prices and availability/choice in both location (at around 2500 CHF/Month).
From what tax advisor told me Commuting costs can be deducted from taxes, so that aspect would be neutral no?
I agree on time and hassle of course, but 12k saving is still not to be neglegted a priori no?

thank you!
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Old 16.01.2019, 17:02
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Re: Commuting Wollerau Maennedorf

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From what tax advisor told me Commuting costs can be deducted from taxes, so that aspect would be neutral no?

Up to a certain amount it can be deducted in some Kantons, a lot have already put a cap on the amount you can deduct. Best to check out what the amount is you can deduct and if the Kanton plans to change that. Zurich used to be without cap but I am sure they will find a way to cap that soon.



And as DUTCH already said: the Rapperswil single lane bridge is very busy at commute time
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Old 16.01.2019, 17:15
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Re: Commuting Wollerau Maennedorf

If money is the only thing that is important to you, go live in middle of the sticks.


You won't save any money living in Wollerau, it is a very expensive commune because the taxes are low, what you save on tax money you'll spend elsewhere.


It is a false economy your way of thinking !


You save 12k/year which is 1k/month, you spend 2 hours a day commuting, thats 10 hours a week, 40 hours a month; your time is worth Chf 25/hour.


NOT counting the cost of transport, not any additional time wasted not what other uses you could do with that time.......
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Old 16.01.2019, 17:32
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Re: Commuting Wollerau Maennedorf

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If money is the only thing that is important to you, go live in middle of the sticks.


You won't save any money living in Wollerau, it is a very expensive commune because the taxes are low, what you save on tax money you'll spend elsewhere.


It is a false economy your way of thinking !


You save 12k/year which is 1k/month, you spend 2 hours a day commuting, thats 10 hours a week, 40 hours a month; your time is worth Chf 25/hour.


NOT counting the cost of transport, not any additional time wasted not what other uses you could do with that time.......
I was just asking opinions/suggestions, thank you for sharing your as well. And no, it's not only about money.
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Old 16.01.2019, 17:59
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Re: Commuting Wollerau Maennedorf

In my experience the rents and property prices of normal accommodation are not materially different anywhere along either side of lake Zurich.

OP I guess you are thinking of Wollerau because it is the lowest tax Gemeinde. FYI Gemeinde Freienbach will be the same this year, as will Feusisberg. Living in Freienbach would save some commuting time. I still wouldn’t fancy commuting over the Seedam and through Rapperswil though. Traffic on Seestrasse up to the ferry doesn’t seem too bad when I cycle (leaving Freienbach around 7am).
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Old 16.01.2019, 18:08
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Re: Commuting Wollerau Maennedorf

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I was just asking opinions/suggestions, thank you for sharing your as well. And no, it's not only about money.



Ah, sorry, however in the initial post you did say it was all to do with "tax reasons"......
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Old 16.01.2019, 18:10
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Re: Commuting Wollerau Maennedorf

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From what tax advisor told me Commuting costs can be deducted from taxes, so that aspect would be neutral no?
Incorrect. Yes it is tax deductible (up to a limit), but it is not neutral by any means.

Lets say you buy a second class GA that costs IIRC 2500. And at 20% tax rate that will cost you post-tax 2000 (2500 minus tax saved of 20%*2500). This is still money out of your pocket.
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Old 16.01.2019, 19:18
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Re: Commuting Wollerau Maennedorf

Unless you love the out doors and country living, moving to Wollerau to save max 12’000 really makes no sense. There are plenty of nice, low tax villages closer to Zurich.

If you have to travel a lot eg you want to live closer to the airport.
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Old 16.01.2019, 21:58
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Re: Commuting Wollerau Maennedorf

We had a similar dilemma some time ago and I sought help on our decision on this forum https://www.englishforum.ch/housing-...-wollerau.html

We decided to buy in Stafa rather than Wollerau and I have never regretted our decision. For me, the tax savings would not be worth the loss of lifestyle. Mannedorf has a lot more to offer in my view than Wollerau.

Good luck with your decision and all the best for your move wherever you choose.
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Old 16.01.2019, 23:34
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Re: Commuting Wollerau Maennedorf

I was one of the posters in the linked thread; re-reading it all I can say is:

What a difference nine years makes!

In the intervening years I have seen my sleepy little Ausserschwyzer Steuerparadis farming village turn to a concreted dormitory suburb. All the usual concerns facing a square peg in a round precisely prescribed hole, now minus the green space that inspired us to move here in the first place.

I lived in Männedorf when we first arrived, spent some very happy years there. Moved up the hill but a tad downscale from Wollerau. Loved it at first, now... were I to do it all over again I think Männedorf would win out.

I agree with Eyebeebee - for normal properties there is little price difference among the Zürichsee villages. Lake views set the prices, then amenities - Steuerfuss plays a lesser role when property is scarce.

I still spend a fair amount of time in Männedorf, the friendships found there have stood the test of time and distance. It's a nice place.
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Old 17.01.2019, 08:13
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Re: Commuting Wollerau Maennedorf

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I was one of the posters in the linked thread; re-reading it all I can say is:

What a difference nine years makes!
I read that thread yesterday and the first thing I thought was that your post there didn’t seem to tally with your more recent experiences. I’m sorry that things haven’t worked out as planned.
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Old 17.01.2019, 08:54
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Re: Commuting Wollerau Maennedorf

I very well remember your very helpful response to my request for help in our choice Meloncollie.

In a sense your detailed reply really did factor into our decision for Stafa in the sense that you described your hiking and the village feel. We already owned a home in Klosters where we did all those activities and wanted somewhere where we did still feel a part of Zurich, although as you rightly said, in truth everywhere is close along the Lake.
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