Buy-in Analysis Tool.xlsx

	A	B	C	D	E	F	G	H	I	J	K	L	M	N	O	P	Q	R	S	T	U	V	W	X	Y	Z	AA	AB	AC	AD	AE	AF	AG
1	Buy-in Return Comparison
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3	Buy-in Amount	20,000
4	Marginal Tax rate (average)	35%
5	Tax Return/Savings	7,000
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7	Expected Return - 2nd/3rd pillar	2.50%
8	Expected Return - Personal (Gross)	5.00%
9	of which capital gain (average)	75%
10	Expected Return - Personal (Net)	4.56%
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12	Time	0	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17	18	19	20	21	22	23	24	25	26	27	28	29	30	31
13	Age	45	46	47	48	49	50	51	52	53	54	55	56	57	58	59	60	61	62	63	64	65	66	67	68	69	70	71	72	73	74	75	76
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15	Buy-in Scenario
16	Buy-in	20,000	20,500	21,013	21,538	22,076	22,628	23,194	23,774	24,368	24,977	25,602	26,242	26,898	27,570	28,259	28,966	29,690	30,432	31,193	31,973	32,772	33,592	34,431	35,292	36,175	37,079	38,006	38,956	39,930	40,928	41,951	43,000
17	After-tax account	7,000	7,319	7,653	8,003	8,368	8,749	9,149	9,566	10,002	10,459	10,936	11,435	11,957	12,502	13,073	13,669	14,293	14,945	15,627	16,340	17,085	17,865	18,680	19,532	20,423	21,355	22,329	23,348	24,413	25,527	26,692	27,910
18	Investment horizon	10
19	Lump Sum Tax Rate	5.0%
20	Total Return (CHF)	16,258
21	Total Return (%)	81.29%
22	Rate of Return (Annual)	6.13%
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24	No Buy-in Scenario
25	Buy-in	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
26	After-tax account	20,000	20,913	21,867	22,864	23,907	24,998	26,139	27,331	28,578	29,882	31,246	32,671	34,162	35,720	37,350	39,054	40,836	42,699	44,648	46,685	48,815	51,042	53,370	55,806	58,352	61,014	63,798	66,708	69,752	72,934	76,262	79,742
27	Investment horizon	10
28	Total Return (CHF)	11,246
29	Total Return (%)	56.23%
30	Rate of Return (Annual)	4.56%
31
32	RESULTS
33	Buy-in Advantage (% p.a.)	1.57%
34	Buy-in Advantage (CHF)	5,012
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