[Pat Jac]

No: please send me a link to resubscribe by VISA payment, I think I'm past the deadline.
Thank you and have a nice day.

[Pat Jac]

Hello Jerome,

I did not understand your paragraph above: how can it be that if the CHF is revalued, our US securities in dollars are not valued even less expensively in CHF?
You also say that those who have cash in CHF have good opportunities to buy in foreign currencies: don't you think that there is a very high risk that the CHF will continue to appreciate and that the potential capital gains on securities in euros or dollars will be wiped out by the exchange rate loss?
I have never seen the Swiss franc fall in 20 years, the risk seems great to me...

[Pat Jac]

FYI, Postfinance refuses to open a securities account for French tax residents. Even if Swiss, having resided since your birth and until 5 years ago in Switzerland and having the modest sum of 200,000 CHF in your current account opened more than 30 years ago. The simple fact of residing on the other side of customs closes their doors to you.

[Pat Jac]

I would like to point out that I will not have voted for it, since you asked the question directly. But if we can say that voting for it is a vote of fear and ignorance, we can also say that complete deregulation, without informing the population about the consequences and without real analysis of what exists, reveals a weakness in the actions of those in power.

[Pat Jac]

It seems obvious to me that given the dramatic unemployment and the importance of taxes to pay for social protection, a French vote in favour of immigration quotas would have been largely imposed, and not only with 50.5%.

But should we ask the people for their opinion, especially in times of crisis? I'm not at all sure...

[Pat Jac]

This is exactly what I plan to do, but the question remains: with a drop of only 5 to 15%, aren't we still buying too expensive, especially the beautiful US stocks with growing dividends...?

[Pat Jac]

We all ask ourselves the same questions... In my case, I have a large sum to invest (500,000 CHF) and I admit that I am a little paralyzed. I read, I consult. Everything and its opposite. Doing nothing and keeping cash means many dividends lost, but also a lot of taxes to pay. Investing and receiving dividends with a drop in prices of 10 to 20% and it's back to square one for several years.

The answer to your question depends on your age, the duration of your investment and especially what you expect from it. Personally, I would have a hard time being happy if my shares fell by 50%. I think I will invest 50% of the sum, little by little by planning the purchases over a year, and keep the balance in case of a big storm on the markets. But it is for want of anything better…

[Pat Jac]

C’est ce qu’une je pense aussi, mais je cherche confirmation.

je vais regarder le coût pour la version française.

[Pat Jac]

 

 

 

Merci a vous d’eux pour ces réponses et liens très intéressants.

[Pat Jac]

Il est désormais impossible de ne pas déclarer ses avoirs en Suisse, le risque discal de dissimilation est considérable. La seule chose que je me demande c’est si les entreprises elles même vont avoir obligation de communiquer leurs informations sur les étrangers possédant des avoirs chez eux. Par exemple : un résident fiscal français possède 5000 titres Nestle inscrits au nominatif pur dans les livres de Nestle. Que risque t il en matière de communication ?

 

[Pat Jac]

Merci Jersme.

Les portefeuilles sont intéressants même s’ils ont été souvent constitués en 2012.

Une autre petite question, dont certains auront je crois une réponse facile a me donner : quand on a un compte en suisse, y a t il un prélèvement a la source pour les actions françaises ? Je ne vois aucun intérêt pour un résident fiscal français ayant un compte en suisse a avoir des actions françaises, plutôt qu’un CTO ( sans même parler d’un PEA) en France.

Est ce que je me trompe, ?

THANKS

[Pat Jac]

Je ne sais pas si vos hypothèses sont correctes car vous partez de toute façon sur des revenus très élevés ( pour la France), sauf a démarrer a Bac +8 et a ne faire aucune faute de carrière. Par contre, je partage tout a fait votre conclusion: sauf a hériter d’une fortune considerable, nous ne serons jamais rentiers,  simplement  avec un peu de chance et sauf accident boursier dramatique, « retraites aisés ». Beaucoup s’en contenteraient.

Un élément important et pas assez souvent mis en avant a mon avis: s’installer rentier, donc inactif professionnellement, cela veut dire quitter son emploi, mais surtout perdre sa technique professionnelle, son réseau relationnel.Pour la plupart des gens c’est un arrêt sans retour reel et rentable possible. A combien doit on estimer financièrement cette impossibilité de revenir en arrière ?

Vous poser la question du montant du portefeuille pour être financièrement independant: tout dépend du pays ou l’on vit et si l’on veut être rentier et vivre comme un rat ou non….

Cela ne me gêne pas d’évoquer clairement la question : j’estime que, pour un couple,le minimum est a 3 millions d’euros , hors résidence principale possédée ET payée.

Cela peut paraître élevé, mais avec une rentabilité nette d’impôts a 3% ce qui n’est  ni irréaliste, ni sous estimé  cela ne donne que 90.000 euros par an de revenu, soit 7.500 euros par mois. Nous en sommes a la moitié, et il ne nous viendrait pas a l’idée un seul instant d’arrêter de travailler…

 

 

[Pat Jac]

Good morning,

Bourse Direct is a good choice, the fees are reduced to a minimum and it is low cost but which suits the investor who gets involved by himself.

I advise you to read all the books on the Happy Investor website (except Rich Dad, Poor Dad, a nameless load of rubbish). You can also take an interest in the website of your compatriots Les Daubasses, for an investment in value.

I have no opinion on your Belgian shares, but don't forget that you should never invest based on sentimental criteria! I know what I'm talking about, I lost a lot of money when I started with Club Med, a company where I spent many holidays with my parents, and which was a financial disaster for me...

Belgian shares: consume in moderation.

[Pat Jac]

You are absolutely right, but when one of us works in neighbouring France and the other in Geneva, settling in Valais and making the journey every morning is practically unthinkable. On the other hand, a small apartment when you retire near Leukerbad for example, if that allows you to have the status of Swiss tax resident, we will have to see... As for changing jobs, you can think about it at 35, but not like us at 52...

[Pat Jac]

Yes, and if real estate was not so expensive in Switzerland, we would all cross the border.

A house costs €500k in neighboring France, the same costs €2k in GENEVA…everything is there.

But to complete your example of the French business leader and after having discussed with some tax lawyers and fellow accountants with a "high-end" clientele, they estimate that the entry ticket to Switzerland must be around 5 million euros of assets. Below that, in terms of maintaining the standard of living compared to France, it is not worth it...

In conclusion, in this beautiful country that is France (median income 1714€ net monthly), you have to be either poor or a civil servant and benefit fully from aid and social benefits or very rich and leave as soon as possible. The cuckold, of which I am one, is in the middle and there are more and more of us...

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