Personal Investment

(Disclosure: Some of the links below may be affiliate links) Zak is a free digital Swiss bank account from Bank Cler. It is the first fully digital bank account from Switzerland. It was launched in 2018.Since it is a digital bank account, you can use Zak from anywhere with your smartphone.The main feature of Zak is that it is free! For all your operations in Switzerland, you will not pay anything. Being free makes Zak very attractive.Some people dislike digital banks because they are afraid...

(Disclosure: Some of the links below may be affiliate links) If you want to reach Financial Independence and be able to retire, you need to know how much you are going to spend while retired. If you are retiring next year, it is straightforward to know how much you are going to spend. However, if you are going to retire in a long time, it is not trivial to estimate how much you will spend in retirement.I have already talked about the different ways tor each Financial Independence (FI)....

(Disclosure: Some of the links below may be affiliate links) The third pillar of retirement of Switzerland is entirely optional. Your contributions will be locked until retirement. But you will get a significant tax cut from your contributions.So, should you contribute to your third pillar every year? Before, it was obvious to me. I have always contributed as much as I could into my third pillar. But recently, several people have asked me if they should invest the maximum every year.Even...

(Disclosure: Some of the links below may be affiliate links) If you need a car where you live, you probably also want to save money on your car expenses. Cars can be expensive. But there are many ways to make having a car cheaper.Let’s take a look at ten tips that will help you save money on your car expenses.If you follow them all, you will be able to keep your transportation budget lower than most people!1. Buy a cheaper carWe have a small affordable car to save money (and it is enough!)The...

(Disclosure: Some of the links below may be affiliate links) It is time for another monthly update! June 2020 flew by us! Like last month, we had to pay a ton of taxes. I did not pay enough taxes last year, so this year is very high.Fortunately, we had less to pay this month than in May. So, we still managed to save a little amount of money. It is better than last month, where our savings rate was zero.Except for the taxes, this month was relatively uneventful. Switzerland is mostly out of...

(Disclosure: Some of the links below may be affiliate links) We have not yet talked a lot about value investing on this blog. Since I have received many questions from you about this subject, I thought it would be a good time to cover value investing on this blog.Value investing is a form of investing where investors evaluate the value of a company to find undervalued stocks in the stock market.In principle, it makes a lot of sense to choose stocks based on their prices and their real values....

(Disclosure: Some of the links below may be affiliate links) People that are between jobs in Switzerland transfer their second pillar to a vested benefits account. It is essential to choose the best vested benefits account.There are many vested benefits account providers in Switzerland. Unfortunately, there are not many great options. So, it is crucial to choose the best account for your needs.VIAC and valuepension are the best options available for vested benefits accounts. So, let’s see...

(Disclosure: Some of the links below may be affiliate links) A big trend in investing this last decade has been impact investing! And you may have heard about sustainable investing, ESG Investing, and SRI investing as well. Are those all the same thing?All these follow the same idea: Investing for a better future. But these investing philosophies are all slightly different. So, we are going to see what they are and how you can invest sustainably.Even if not everybody wants to invest...

(Disclosure: Some of the links below may be affiliate links) You have probably heard a lot about Financial Independence. A lot of things on this blog are about my path to Financial Independence (FI). But why would you want to be financially independent? There are many reasons for wanting to be financially independent. And as you will see, retiring may not be the most significant reason.In this post, I am going to list the main reasons people want to be Financially Independent. Of course, the...

(Disclosure: Some of the links below may be affiliate links) VIAC is an excellent company that provides the best third pillar in Switzerland. And they just entered the Vested Benefits market. It means that they can also serve the second pillar for some people. It is excellent news!VIAC Vested Benefits account offers a large allocation to stocks at a low price. On paper, it looks great. Let’s review this account in detail now.This article is in my in-depth review of VIAC Vested Benefits...