Personal Investment

(Disclosure: Some of the links below may be affiliate links) Credit Cards are an important part of your personal finances. They are tools that you need to use to your advantage.The problem is that it is easy to misuse credit cards. You need to have a good credit card strategy to take full advantage of credit cards.Since I have started improving my personal finances, I have optimized a lot my usage of credit cards. I have reduced the annual fee of my credit cards to zero. I have now reduced...

(Disclosure: Some of the links below may be affiliate links) Neon is one of the newest Swiss Digital Banks! It offers an entirely free bank account. Having a free bank is very important if you want to save money for managing your money. Swiss Banks are becoming more and more expensive. It is great to see some free alternatives!Neon is a digital bank. It has no offices. You can manage your money entirely from your phone. With your bank account, you will receive a Mastercard that you can use...

(Disclosure: Some of the links below may be affiliate links) If you want to invest in the stock market, you will need to choose a portfolio. Ideally, you will want to invest in index funds via Exchange Traded Funds (ETFs). For, this you will need to decide on an ETF Portfolio for Switzerland.Choosing a good portfolio is an important decision. You need to invest in a portfolio that will have low fees, high diversification, and good returns. And you should be careful about keeping it...

(Disclosure: Some of the links below may be affiliate links) We have already covered many investments on this blog. But we have not yet covered gold as an investment! Most people know Gold as a metal, and a lot of people have some at home in the form of jewelry.But not many people know that we can invest in Gold. There are several different ways of investing in Gold.But should you invest in Gold? And how can you invest in Gold?In this article, we are going to answer these two questions. We...

(Disclosure: Some of the links below may be affiliate links) I have talked about several brokers on this blog. But I have not yet answered the question of which one is the best broker in Switzerland!It is now time to answer this important question. There are several Swiss brokers, and most Swiss banks have their broker service. But some international brokers are also available in Switzerland.If you want to invest in the stock market, you will need a broker account. So, before you can invest,...

(Disclosure: Some of the links below may be affiliate links) April 2020 is now over! That was one of the weirdest months of our life. We spent the entire month in our village, mostly at home. We only went out to buy groceries and help some of my relatives.Fortunately, we have a large backyard, so we spent a lot of time outside. And Switzerland is not in full lockdown, so we still went out for walks. But we respected the two meters distance and almost did not talk to people. This is quite...

(Disclosure: Some of the links below may be affiliate links) Capital gains are something that many people do not understand correctly in Switzerland. And this is especially when it comes to Capital Gains Taxes. I have received many questions on this blog regarding how capital gains are taxed in Switzerland. I am specifically talking about capital gains and the stock market.So I decided it was time to dedicate an entire article about Capital Gains and how they are taxed in Switzerland. It is...

(Disclosure: Some of the links below may be affiliate links) Living in Switzerland is expensive. There is no point denying that. However, it is not as expensive as many people think. There are many ways to save money each month on your budget in Switzerland.People pay too much each month for most of their bills in Switzerland. For many people, it is because they do not know they can pay less. Many people simply assume that they need to pay this amount and never try to optimize their...

(Disclosure: Some of the links below may be affiliate links) Recently, I had the chance to discuss Real Estate investments with Iain. Iain came from the United Kingdom to Switzerland 14 years ago. He is now a Swiss citizen.He has been investing heavily in several properties, especially in the United Kingdom. I thought it would make a very interesting story for this blog.We are currently considering buying a house to live in, but not yet investing in property. But diversification being very...

(Disclosure: Some of the links below may be affiliate links) In Switzerland, there are many differences between the different states (or cantons). Can you take advantage of these differences and do geo arbitrage inside Switzerland? We are talking about arbitrage for money advantages.Most people using geo arbitrage are doing it in different countries. For instance, several people work in Switzerland but then plan to retire in a cheaper country. But I think there are opportunities within...