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If you have decided to invest in a precise stock market index, you must first choose the stock market index. And once you have selected an index to invest in, you will have to decide through which index fund you will invest in this index. For this, you can choose either a mutual fund or an Exchange Traded Fund (ETF). For popular indexes, there will be a wide choice of index funds replicating the performance of this index.
Even if you only choose popular funds for a precise index, it will still be challenging to decide. As you will see in this article, there are many things you can take into account when you compare two index funds. The most important remains the price, as most people know. But there are other points you can

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Robo-Advisors are a great tool to invest their money without unreasonable fees for people who are not willing to invest time in learning to invest themselves. But what Robo-Advisor should you choose?
Selma and True Wealth are two great Robo-Advisors, my two favorites. In this article, I will compare these two Robo-advisors in detail.

I compare Selma vs True Wealth on different factors. We will check their fees, their investment minimums, and their investing strategies.
Selma Finance

Selma

Selma is a great Swiss Robo-Advisor that will let you invest simply. It is a great way to invest in the stock market without the hassle of DIY Investing.

Get 5000 CHF managed for free!

Selma Finance started

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Raiffeisen is the third largest bank in Switzerland. Many people are using it, and many customers are even shareholders of the banks.
This bank has some unique characteristics that could make it interesting. For instance, you can become a shareholder of the bank! So, should you use Raiffeisen as your bank?
This is what this article is all about. I will do a deep review of the Raiffeisen bank, its banking features, its fees, and its pros and cons. By the end of the article, you will know whether you should use Raiffeisen or not.

Raiffeisen
Raiffeisen LogoRaiffeisen is a large Swiss bank that has been created in 1899 already. It is currently the third-largest Swiss bank (in terms of assets under management), behind the two

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I already have covered stocks in much detail on this blog. But I did not spend enough time on bonds. While bonds are currently not very interesting in Europe because of negative interest rates, they remain an important part of asset allocation. But bonds are very different from stocks. And they have some strange characteristics.
So, I believe it is important to know how do they work. And it is essential to know how bond funds are working because they are not as simple as stock funds.

The basics of bonds
In essence, a bond is fairly simple: it is a loan of money from one entity (the lender) to another entity (the borrower). In exchange for this money, the borrower will pay some interest to the lender. The interest rate is

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Many of you have asked me to delve into what happened to GameStop stock. While it may be late, this will still help you understand this strange event.
In 2021, the stock of GameStop, a company on the decline, increased more than tenfold and many hedge funds lost a lot of money, driven by some individual investors.
It may have been the first time some well-organized retail investors have fought against big hedge funds and have caused big damages to them.
So, keep reading to find out what happened.

GameStop
For context, let’s talk a little about what GameStop is first.
GameStop is an American retail company that sells video games and gaming merchandise. They have thousands of shops in the entire world. They are the largest

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Many people want to know whether they should rebalance their portfolios. This is an excellent question, and it becomes essential once in retirement.
Rebalancing is the fact of selling the shares that have overperformed and then buy the stocks that underperformed. The idea is to keep your portfolio allocation to the same level.
People disagree on whether you should rebalance in retirement or not. People do not even agree on that during the accumulation phase. So we will cover this subject as well.
And since I now have a lot of data about the stock market, I figured it would be great to use. So, I am also going to simulate whether it has historically been better to rebalance or not.
The data on this article is based on more than

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June 2021 is already over. It went very fast! After the crappy weather of May, we finally got some better weather, although it was crazy hot. And then we went back to the crappy weather. But overall, it was a good month. We even had a nice short vacation in Thun.
Financially, it was an okay month, despite large expenses due to the vacations, the blog, and some shopping for the house. Overall, we still managed to save 53% of our income this month.

June 2021
The Schadau castle in ThunJune 2021 was a good month for us overall. The beginning of the month had some nice weather again. Unfortunately, the end of the month was back to bad weather with thunderstorms almost every day. Our vegetable garden was almost destroyed by hail!

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If you plan to retire early based on a withdrawal rate strategy, you base your FIRE plan on historical data. So, what would happen if the future is very different from the past?
We obviously cannot predict the future. So, what can we do? We can improve our FIRE plan with some margin of safety!
In this article, we will see several ways of adding some margin of safety into your FIRE planning.

The need for some margin of safety
If you plan your FIRE plan precisely for the parameters you know, you risk running out of money during your retirement. Here are three examples of things that could go wrong with your FIRE planning.
First, If you think you need your money to last 50 years of retirement, you could plan everything exactly

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Inyova is a Swiss Robo-Advisor that focuses on impact investing. You may know it under the name Yova that was its previous name until June 2021.
The main idea is to invest to make the world better. So not only will you get good returns for your investment, but your money will work to improve the world.
But how does Inyova compare with other Robo-Advisor, and how much does it cost? That is what we are going to find out in this complete Yova review.

By the end of this Inyova Review, you will know all the advantages and disadvantages of investing with Inyova. You will also know if this service fits your personal investing needs.
Keep in mind that I am not investing with Robo-Advisors. DIY Investing is better for people willing

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PostFinance is the bank of the Swiss Post. It is one of the largest banks in Switzerland. But is it any good?
I am going to answer this question in this article. I will look into the bank services of PostFinance in detail and see the advantages and disadvantages of this bank. They have changed many things recently with their banking packages and how they handle negative interest rates. All these changes will be included in my review.
By the end of the article, you will know whether you should use PostFinance or not.

PostFinance
PostFinance logoPostFinance is the financial entity of the Swiss Post. It was already founded in 1906, so it is a very mature bank. As of 2021, it is the fifth-largest retail bank in the country. In

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Your Safe Withdrawal Rate (SWR) is an essential component of your retirement planning if you plan to retire based on your investment portfolio. We have already talked at length about this method of retirement, the essence of the Financial Independence and Retire Early (FIRE) movement.
But we have not talked in-depth about how to choose a Safe Withdrawal Rate for your situation. No SWR would fit every situation. And while there are some rules of thumbs, it is still something you have to decide for yourself.
So, by the end of this step-by-step guide, you should know how to choose your Safe Withdrawal Rate.

Safe Withdrawal Rate
A Safe Withdrawal Rate is a withdrawal that is safe enough for you to have a successful retirement.

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I have already mentioned financial advisors on this blog and my dislike of them. But I have not yet delved into the subject. It is essential to realize the dangers of financial advisors.
Most financial advisors do not have your interest at heart, but theirs! This is the main issue with financial advisors. Most are biased. And this bias can cost you a lot of money in the long term.
And there are other issues with financial advisors as well. So, in this article, we are going to delve into the problems with financial advisors.

What does a financial advisor do?
There are different levels of involvement for financial advisors. But the idea remains the same: help you with your money. But they will generally focus on the investing

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In 2020, inflation in Switzerland was negative, at -0.7%. It means that, on average, consumer prices have decreased in the year 2020. So, life has become cheaper in Switzerland.
But is life in Switzerland really cheaper? And if so, is it cheaper for everybody? Today, I want to delve into inflation numbers for Switzerland and what they exactly mean. As we will see, inflation is not a perfect indicator of the cost of living in Switzerland.
So, this article will talk in detail about inflation in Switzerland.

Inflation in Switzerland
Inflation in Switzerland is calculated by the Federal Statistical Office (FSO). Every month, they compute the Swiss Consumer Price Index (CPI). This index is a representation of the price of goods

You have probably heard of the 4% rule if you are interested in early retirement. This rule states that if you withdraw 4% of your portfolio every year, you can sustain your withdrawals for 30 years. But do you know where it comes from? If you have read a lot about it, you probably heard about the Trinity Study. This study is where it all started.
But do you know what the Trinity Study is? Probably not. A lot of things people are saying about the Trinity Study are not correct. A lot of people talking about this study have not even read the original paper.
There is nothing mystical about this study. It is merely a research paper by three professors of The Trinity University. Hence the name.
And do you know that it has nothing to do with early retirement? So, why is

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You have probably heard of the 4% rule if you are interested in early retirement. This rule states that if you withdraw 4% of your portfolio every year, you can sustain your withdrawals for 30 years. But do you know where it comes from? If you have read a lot about it, you probably heard about the Trinity Study. This study is where it all started.
But do you know what the Trinity Study is? Probably not. A lot of things people are saying about the Trinity Study are not correct. A lot of people talking about this study have not even read the original paper.
There is nothing mystical about this study. It is merely a research paper by three professors of The Trinity University. Hence the name.
And do you know that it has nothing

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What the Swiss National Bank (SNB) does is not very clear for many people in Switzerland. So, I thought it would be interesting to research this subject and write about my findings.
The Swiss National Bank is quite famous, even abroad, but what does it really do? It is because of it that we do not have any interest rate in our bank accounts?
Let’s see in detail what this central bank is doing. We will also see that the Swiss National Bank has several unique characteristics.
The Swiss National Bank
The Swiss National Bank (SNB) is the central bank of Switzerland. It is the bank responsible for creating notes and bills for the Swiss Francs. They are only responsible for the monetary policy of the country.

(Disclosure: Some of the links below may be affiliate links)
What the Swiss National Bank (SNB) does is not very clear for many people in Switzerland. So, I thought it would be interesting to research this subject and write about my findings.
The Swiss National Bank is quite famous, even abroad, but what does it really do? It is because of it that we do not have any interest rate in our bank accounts?
Let’s see in detail what this central bank is doing. We will also see that the Swiss National Bank has several unique characteristics.

The Swiss National Bank
The Swiss National Bank (SNB) is the central bank of Switzerland. It is the bank responsible for creating notes and bills for the Swiss Francs. They are only responsible for the monetary policy of the country. Their main goal is to

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Many people are saying that I make FIRE and early retirement look too simple. And many people are falling into the trap of believing that retiring early is easy.
I want to delve into that important subject. For me, retiring early is simple, there is no doubt. However, it is not easy! The difference is fundamental. And there are no secrets to getting to FIRE. You need to focus your efforts on that goal. And how much effort you are going to put into it will shape how fast you can retire.
So, let’s see why FIRE and early retirement are simple concepts but not easy to reach.
Retiring early is simple
The math between early retirement is extremely simple: you withdraw X% of your portfolio every year, and you

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Many people are saying that I make FIRE and early retirement look too simple. And many people are falling into the trap of believing that retiring early is easy.
I want to delve into that important subject. For me, retiring early is simple. There is no doubt. However, it is not easy! The difference is fundamental. And there are no secrets to getting to FIRE. You need to focus your efforts on that goal. And how much effort you are going to put into it will shape how fast you can retire.
So, let’s see why FIRE and early retirement are simple concepts but not easy to reach.

Retiring early is simple
The math between early retirement is extremely simple: you withdraw X% of your portfolio every year, and you can sustain your

(Disclosure: Some of the links below may be affiliate links)
Overall, May 2021 was a good month, despite the crappy weather. We had some opportunities to see our friends and family again, and we feel like life is slightly going back to normal.
But from a financial point of view, it was not a great month! We had to pay a large bill for the house. So despite a good income this smooth, we did not save any money this month, and our net worth fell for the first time in a long time.
So, let’s see what happened in detail!

May 2021
May 2021 had the perfect balance for personal events. We could see friends and family. And we could even celebrate a wedding in the family. The only downside of the month was the crappy weather with mostly rain.
The big thing this month in our expenses is the

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PostFinance is a well-known Swiss bank and broker. They are generally considered to be very affordable and very easy to use.
If you want a Swiss broker, should you use PostFinance as a Swiss investor, especially as a passive investor? This is what we are going to find out in this in-depth review.
In this article, we will see what PostFinance offers as a broker, how much it costs, and much more too. By the end of the review, you will know whether PostFinance is a good broker for your investing or not.
I am only going to talk about PostFinance as a broker, not as a bank.
PostFinance E-Trading
PostFinance is the bank of the Swiss Post. It was founded in 1906 already. They got a banking license in 2013. They

(Disclosure: Some of the links below may be affiliate links)

PostFinance is a well-known Swiss bank and broker. They are generally considered to be very affordable and very easy to use.
If you want a Swiss broker, should you use PostFinance as a Swiss investor, especially as a passive investor? This is what we are going to find out in this in-depth review.
In this article, we will see what PostFinance offers as a broker, how much it costs, and much more too. By the end of the review, you will know whether PostFinance is a good broker for your investing or not.
I am only going to talk about PostFinance as a broker, not as a bank.

PostFinance E-Trading
PostFinance logoPostFinance is the bank of the Swiss Post. It was founded in 1906 already. They got a banking license in 2013. They are

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Many people want to make a little extra money. Having a side hustle can help you bring some more money and improve your financial situation. I have not talked much about this on the blog. But I want to expand on the subject.
In this article, I want to talk about online surveys. These are surveys you can answer online, and you will get some money when you answer them. There are several interesting websites where you can do that in Switzerland.
In this article, I will talk about this side hustle and the best websites for online surveys in Switzerland.

Online Surveys
An online survey is just a survey that is done online. Online survey companies are mandated by other companies that want to get many people’s opinions on their

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PostFinance and Swissquote just started a new joint venture: The Yuh banking application. With Yuh, you can save money on your account, pay in Switzerland and abroad and invest in the stock market and cryptocurrencies.
Yuh is an entirely digital offer. They have no offices. You can manage all your money directly from your phone. So, you will pay your bills and invest your money on your smartphone.
So, should you use Yuh? What features does it have? And how much does Yuh cost? Let’s find out!
In this article, I will review Yuh in detail, its features, its fees, its advantages, and its disadvantages!

Yuh
In May 2021, PostFinance and Swissquote launched the Yuh service. They are trying to unify banking and trading services

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I have been using Interactive Brokers (IB) for several years. It took me a while to get used to this broker. However, I am now able to do all the operations I need easily. I will show you exactly how to buy an ETF from start to finish on IB, the easy way!
I have been contacted a few times by readers that were having a hard time starting with Interactive Brokers. This is indeed a little complicated at first, but it becomes very easy after you do it once. If you follow this guide, you will be able to buy ETFs from IB without any issue!
In this guide, you will see how you can buy an ETF directly from the account management interface. And we are also going to see how to deposit money on your account from this interface and even

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We all want to pay lower taxes! When you fill your tax declaration in Switzerland, it is important to take advantage of all possible tax deductions. Tax deductions allow you to reduce your taxable income. Since your taxable income will directly drive the amount of taxes you are going to pay, it is essential to reduce it when possible.
So, in this article, I want to go into detail about all the possible tax deductions that exist in Switzerland. Hopefully, you will be able to find tax deductions that you did not use before and will be able to reduce your taxes.
I will try to stay generic since many of these tax deductions will be different from canton to canton. The maximums and minimums for each tax

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We all want to pay lower taxes! When you fill your tax declaration in Switzerland, it is important to take advantage of all possible tax deductions. Tax deductions allow you to reduce your taxable income. Since your taxable income will directly drive the amount of taxes you are going to pay, it is essential to reduce it when possible.
So, in this article, I want to go into detail about all the possible tax deductions that exist in Switzerland. Hopefully, you will be able to find tax deductions that you did not use before and will be able to reduce your taxes.

I will try to stay generic since many of these tax deductions will be different from canton to canton. The maximums and minimums for each tax deduction will likely

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Many people invest only in dividend-paying stocks. More specifically, they only invest in stocks that have a good history of paying dividends. This means that these stocks do not cut dividends.
They expect that investing in these stocks will yield more returns than invest in the broad stock market. Some people plan to retire entirely based on the dividends.
As a result, many people ask me why I do not invest in dividend stocks instead of investing in the broad market. The reason is that there are several problems with dividend investing. So I want to talk about these problems in detail in this article.

1. Dividends are not tax-efficient
This first problem may depend on where you pay taxes. But in Switzerland, dividends are

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Many people do not invest because they think it is too much work or takes too much time. Investing may indeed take a little work and time to get used to it at the beginning. However, once you are used to, investing in the right way takes very little time and effort each time.
So, in this article, we are going to see exactly how much time investing takes. I will start talking about investing yourself (DIY Investing), but I will also cover investing through a Robo-advisor to see the difference in time invested.
If you are not investing because you think it takes too much time, you should know better by the end of this article.

The learning phase
Where investing by yourself (DIY investing) takes the most time, work and effort

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April 2021 was a fairly standard month for us. We had a few events with my family and friends, which was great. But less than last month so, we were able to enjoy some quiet time.
And with the nicer days, we could be outside a little more, even though not as much as we would have liked.
It was a good month with high income and extremely low expenses from a financial point of view. So, we managed to save 77% of our income during the month.

April 2021
In April 2021, we had a good balance of quiet time and events with family and friends. Overall, it was quite a good month. We are getting used to the state of COVID, and with some warmer days, it is more enjoyable.
Last month, we invited people too often (in small groups, so more