Inheritance calculator

Finance, Taxes, Banking, Insurance and Retirement
1
So I found this inheritance calculator thing:

https://www.vermoegenszentrum.ch/rat...ufteilung.html

Maybe others will find this useful?

Then I tried out a few scenarios:

- Child, Parents, Partner

- Child, Parents

I found the results quite confusing. Can anyone explain how the percentages for these two are arrived at?

2
If you don't make a will, the parents in these two scenarios will receive nothing of the inheritance because there is a child. In the first case the conjoint and the child will receive 50% each. In the second case, the child will receive the whole inheritance.

You can modify this distribution by a will to the extent allowed while preserving the reserved portions for the conjoint and child indicated by the calculator.

Note that after death the marriage regime has first to be dissolved to calculate what part of the estate goes to the inheritance before it is divided among the beneficiaries.

3
Actually you can specify in the will what you want. The eligible persons which have a right to a share of the inheritance must object if they are not happy with what they get. If they do not object the will stays as it is.

It is also possible that the potential heirs relinquishment their right to the estate by the means of a notarized inheritance contract. Such a waiver can even include all of their offspring.

4
Try also:

- Partner, Mother

then

- Partner, Mother, Sister

Why does it change?

5
1. mother inherits the share of pre-deceased father.

2. Sister inherits the share of pre-deceased father (this assumes its not a half sister). But the sister is not a Pflichteilsberechtiger / entitled to a portion of the estate (only the parents itself are in case there is no offspring). Thus the free part is increased by the sisters share.

The entitled portion of the estate is a percentage of what you would get if there were no will.

6
Registered partner is only for same sex couples isn’t it?

These napoleonic inheritance rules are one reason holding me back from applying for citizenship. My girlfriend and I are very happy with our status heading towards 15 years together and don’t and won’t have children. A relative of mine wants to give us an inheritance, but only on the condition that neither my parents, nor sister can ever get it. As far as I can tell, as a Swiss citizen if I were to die before my parents (not sure about sister), they would be entitled to part of my estate, despite my relatives and my wishes (which are also the same) and this is true whether married or cohabiting.

7
Yes, correct on all points.

Tom

8
The sister is easy, you can exclude her by will/testament.

Regarding your parents you would have to exclude them by drawing up an inheritance contract where they have to agree that they will not get and also have no claim to the inheritance you got. But it also means that the parents must be willing to be excluded and forgo their inheritance rights.

9
Thanks for the link. That's me writing a will asap to make sure everything goes to my OH.

10
A common wish. But I'm sure you know that if you are survived by your children, or by your parents if there are no children, you can't exclude them completely from the inheritance unless either they decline to claim their reserve, or you have disinherited them in your will because they have been very naughty indeed (such as committing a serious crime against you or your loved ones).

However, if you are married under the default 'participation in acquired property' regime, you can increase the proportion of your estate that passes directly to your OH by a supplementary marriage contract that allocates him/her all the 'acquired property' when the marriage regime is liquidated on your death.

11
I only have one brother and his step kids, but as he's always had money, I don't want him to have any claim. No animosity involved, just that he doesn't need it.

12
Very understandable, and perhaps the most common reason for leaving a will to modify the default succession rules.

When excluding someone from an inheritance from which they would otherwise have benefitted, it can be a good idea to leave a note of explanation. In the common case where a parent reduces the inheritance of their children to their reserves in order to favour the surviving spouse, a simple letter indicating that this doesn't signify that they were loved less, etc, could dispel any unhappiness about the will.