Personal Investment

(Disclosure: Some of the links below may be affiliate links) Even though there are some things I dislike about Switzerland, I love living in Switzerland. In this post, I list the things I love about Switzerland. There are 12 things on my love list! And there are not the only things I love about Switzerland. I have many more things I like about it than things I do not like. Before you read what I love about Switzerland, you should be aware of my situation! You have to remember that I live...

(Disclosure: Some of the links below may be affiliate links) Finpension just started their third pillar offer: Finpension 3a. And it is extremely interesting. Finpension is already behind valuepension, the best vested benefits (second pillar) account available in Switzerland. So, it is great that they now start to offer a third pillar account. So, let’s review Finpension 3a in detail. In this article, I will look at many things about Finpension 3a: their fees, their investment strategy,...

(Disclosure: Some of the links below may be affiliate links) Many people use a home bias in their investing portfolio. These investors are allocating a large portion of their portfolio to domestic stocks. And this portion is not based on the size of their local stock market. But not every investor agrees on that strategy. And some people do not know what a home bias is. So, in this article, I want to answer the question of whether investors should have a home bias in their portfolio. We...

(Disclosure: Some of the links below may be affiliate links) Since the beginning of 2019, Swiss investors cannot buy Exchanged Traded Funds (ETFs) domiciled in the United States from my previous broker, DEGIRO. This event is terrible news for Swiss investors. This problem is due to new regulations that will come into play. These regulations already affected all European investors since 2018. But Switzerland was not affected before. We are going to see what changed. These issues are based...

(Disclosure: Some of the links below may be affiliate links) The Poor Swiss blog just turned three years old. It is difficult to believe it has already been three years since I started this blog. I have done a lot of things on this blog in the last year. Some of these things paid off. Some did not. But I think the blog is in a much better place right now than one year ago, which is always a good sign. I hope you agree with me! This article is a retrospective of this third year of blogging....

(Disclosure: Some of the links below may be affiliate links) Yova is a Swiss Robo-Advisor that focuses on impact investing. The main idea is to invest to make the world better. Not only will you get good returns for your investment, but your money will work at improving the world. But how does Yova compare with other Robo-Advisor, and how much does it cost? That is what we are going to find out in this complete review of Yova. By the end of this article, you will know all the advantages...

(Disclosure: Some of the links below may be affiliate links) Recently, I have received many questions regarding currency hedging. More particularly, I have received questions about whether people should use currency-hedged ETFs. Currency Hedging is a technique that tries to reduce currency risk when you are investing in foreign equities. In practice, it sounds great, but it has several disadvantages that many people do not know about. So, should investors use currency-hedged ETFs? Or...

(Disclosure: Some of the links below may be affiliate links) It is time for my update for September 2020. It was a quiet month for us. But it was not quiet for our finances. We continued to shop for furniture for the new house. We once again spent a lot of money on that category this month. And we also several smaller expenses that added up to our budget. We still managed to save money this month. But we did not save nearly as much as we usually try to save. Let’s see the details of...

(Disclosure: Some of the links below may be affiliate links) If you plan to retire early, it is important to know when you will be able to retire. We have already covered a lot of simple math about Financial Independence. But we have not yet covered how to know how long it will take you to retire (or to become Financially Independent). In this article, we are going to cover the simple math behind Financial Independence and find out how long you will need before you can early! And since we...

(Disclosure: Some of the links below may be affiliate links) Zak and Neon are two good Swiss Digital bank accounts. They are both entirely digital and accessible through mobile applications. The great thing about these bank accounts is that they are significantly cheaper than conventional bank accounts. Their low prices are what make their success. And they have some attractive features. But which one should you choose? Which of Zak vs Neon is better for you? Let’s find out! In this...