تدريب Shadowing: Why is Switzerland home to so many billionaires? - تعلم التحدث بالإنجليزية مع YouTube
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Think of Switzerland and you might think of fine cheese,
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Think of Switzerland and you might think of fine cheese,
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luxury chocolate and snow-capped mountains.
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But you may also think of money.
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Switzerland has one billionaire for every 80,000 people,
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making it the third most dense billionaire population in the world.
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Only Luxembourg and Hong Kong have a higher proportion of individuals with a net worth of at least 10 figures.
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Do you feel like you know any billionaires?
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I personally know quite many billionaires, yes, and millionaires, yes.
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I do not know any billionaires,
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no, no, no. Plenty of millionaires, but no billionaires.
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No, I don't.
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I wish I did, but I really don't.
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Swiss residents are also among the richest in the world,
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with a mean net worth of almost $700,000 ahead of the US and Hong Kong.
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That makes the country stand out on several key wealth metrics.
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If you look at the income distribution,
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it has remained relatively stable over many decades now.
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It is much less unequal than many other countries.
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The average person has it quite good here,
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but I mean, that doesn't mean there aren't poor either.
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And then the super future falls.
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And I mean, that difference is, of course, huge.
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So what makes Switzerland such an attractive place for the uber wealthy?
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And what does that extreme wealth mean for the rest of Swiss society?
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As of 2022, Switzerland was home to an estimated 110 billionaires,
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with a combined wealth of $338 billion.
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That's well above other super-rich hotspots like Saudi Arabia,
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Singapore and the United Arab Emirates.
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Among some of the country's wealthiest residents are Chanel co-owner Gerard Wertheimer,
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the heirs of IKEA creator Ingvar Kamprod,
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and the founders of homegrown healthcare giant Roche.
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Switzerland is considered one of the most politically stable countries with a strong reputation for political neutrality.
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It means wealthy individuals can trust that their assets will be safe from any sudden leadership and policy changes.
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The country also benefits from an attractive tax system with low rates for both corporations and individuals,
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giving Switzerland a competitive advantage versus other locations.
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The tax aspect is one part of the equation of rich individuals in the form of income
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that very rich individuals tend to have is not labour income.
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Most of their income tends to be capital income or capital gains on the companies they hold.
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And there is no capital gains tax on financial assets here in Switzerland,
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which of course is attractive for these kinds of rich individuals.
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This means the Swiss aren't getting taxed on the profit they make when selling an asset that's increased in value.
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And while there is no capital gains tax,
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Switzerland is one of the few European countries with a wealth tax,
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but it is set at a relatively low level of 0.1% to 1.1% of an individual's net wealth.
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That tax is levied by individual cantons,
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or regions, of which Switzerland has 26.
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Martin Buller, finance chief for the canton of Grisson,
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told me this system helps boost competitiveness.
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The cantons are responsible for everything that's not delegated to the confederation or delegated to the municipalities.
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We are able to shape our financial policy independently,
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but we have some law confederation-wide where we have to be in line with.
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We have the very globalized urban centers like Zürich, like Basel, Geneva.
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And Grisons is a very big on-surface canton,
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but in the periphery it's more rural.
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Means we need other goodies to find the people to attract people to live here
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and the way we do it is we have for example by the wealth tax
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so we have this competition between the cantons on one hand
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but we also are all interested
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that this is not exaggerating Switzerland also benefits from a strong Swiss franc
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which lowers the cost of foreign goods and services while raising the price of Swiss exports.
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The country's currency has steadily strengthened over recent decades,
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reaching parity with the euro.
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Meanwhile, it has held steady against a strong dollar.
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You don't have to be afraid of a major depreciation of the currency here,
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which is kind of related also of course to the political stability,
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to the strong legal and institutional setting here.
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The century is also considered a leading business destination with world-class financial services,
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pharmaceuticals and chemical sectors.
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It is also home to major business institutions such as the World Economic Forum,
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which famously gathers global industry leaders for its annual event here in Davos.
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Switzerland's banking sector developed a reputation over the 20th century as a place of privacy and anonymity,
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making it a particularly attractive location for wealthy individuals to store their cash and potentially avoid taxes.
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That system came under scrutiny following the global financial crisis and the failure of several major Swiss banks,
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forcing the industry to clean up its act and require greater transparency from clients.
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But still, it has retained its status as a hub for wealth management.
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Historically, that has been part of what the Swiss banks have been doing,
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essentially helping rich individuals evade their taxes in other countries.
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They've moved away from that business model and tried to keep moving away from it because,
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you know, the international regulations have become stricter.
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The shift comes as governments face increasing pressure to rein in the so-called billionaire class,
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as many continue to struggle with the cost of living crisis.
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A 2024 Oxfam report found
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that the combined fortunes of the world's five richest men have more than doubled to $869 billion since 2020,
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while 5 billion people have been made poorer.
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So what does Switzerland's ultra-rich population mean for the rest of the country?
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And social cohesion overall?
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To focus only on rich people would not fit anymore.
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So we have to rethink,
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we have to get attractive for all parts,
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for young people, for low qualified personnel.
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It's not that easy anymore to say we can focus on this and the rest is okay.
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It's a problem that there are so big differences,
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but we're lucky that we're living in Switzerland.
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It's definitely true that Switzerland does have a bigger gap between the richer ones and,
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not poor because they're not,
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but the less wealthy ones, you could say.
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Despite the extremes, however, Switzerland continues to rank highly on livability and social harmony indices.
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That is seen as being down to the country's social policies and labour laws,
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which ensure decent living standards for the less well-off too.
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So you see that the workings of the labour market,
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the education system that makes sure
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that even people further down the distribution actually make good incomes has worked for a long time very well.
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If you think about the system in which there is a social structure
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so that people who don't earn that much can still live quite well,
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that is probably a key element to the society.
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you
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المفردات والعبارات الرئيسية
- ملياردير - Billionaire
- ثروة - Wealth
- استقرار سياسي - Political stability
- نظام ضريبي - Tax system
- ضرائب على الثروات - Wealth taxes
- عملة الفرنك السويسري - Swiss franc
- كيفية جذب سكان جدد - Attracting new residents
- مراكز الأعمال العالمية - Global business hubs
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