Personal Investment

(Disclosure: Some of the links below may be affiliate links) We have just reached a new bear market due to the fears of the coronavirus pandemic. The chances are that this is your first bear market. And the chances are that you are freaking out.Today, I want to cover how to invest in a bear market and what to do when a bear market strikes.But first of all, you should focus on your health with this coronavirus. I hope you and your family are healthy! Money is useless if we are not in good...

(Disclosure: Some of the links below may be affiliate links) Due to the 2020 Coronavirus (Covid-19), the stock market entered what we call a bear market. It has fallen more than 20% since its high. And we hear a lot of talk about recessions. We are currently not in a recession, but we may well be soon!But do you even know what a recession is? And what does it have to do with the stock market?Today, I want to go into details as to what is a recession, what causes one, and what are its...

(Disclosure: Some of the links below may be affiliate links) Today, we are going to see if the 4% Rule works in Switzerland, with Swiss Stocks, or not. I have wanted to do this experiment for a very long time. Now, I got all the data I need for a full simulation!I have been able to obtain data up to 1924 for Swiss Stocks and Swiss Inflation. It was not easy since not many people are interested in the data. But now, it is done! So I could finally do the simulation!I know that many of my...

(Disclosure: Some of the links below may be affiliate links) Many people think that investing in the United States Exchanged Traded Funds (ETFs) is dangerous. They believe that because of the U.S. Estate Tax. This tax will heavily tax the assets of a decedent.This tax means that your beneficiary will only get a portion of your estate when you decease. Because of that, many people recommend not to invest in American ETFs (or even stocks).But is that even true? Many people forget about the U.S....

(Disclosure: Some of the links below may be affiliate links) It is time for a complete review for DEGIRO for 2020. I am going to go over all the good things and the bad things about DEGIRO.DEGIRO is a great European broker with extremely low fees. I have used their broker account for two years. And I want to bring you my unbiased review of this broker.We are going to see the different account types and the detail of DEGIRO fees. I am also going to go over the fees of the broker as well as its...

(Disclosure: Some of the links below may be affiliate links) When you have a lot of things at home, there are probably many of these things that are not necessary. An excellent way to get rid of some of these things is to sell them.You will save space and earn some money! There are many ways to sell items. But in today’s age, selling online is often the way to go.For instance, recently, I did some ordering in my technology closet (yes, I am the kind of guy that has a technology closet). And I...

(Disclosure: Some of the links below may be affiliate links) It is time for the second update of the year. February 2020 is already done.Last month, we went to China amid the coronavirus outbreak. When we come back, my company put me on quarantine for two weeks. I had to work from home for about ten days.Aside from this, it was a very uneventful month. From a financial point of view, it was not a bad month. We spent a bit too much on food. But I received my ESPP shares, which made a nice bump...

(Disclosure: Some of the links below may be affiliate links) Neon and Revolut are both digital banks. However, they are very different banks. Until recently, they both were very complimentary. But then, something changed!In January 2020, Neon announced that they removed the fees for payment abroad with their cards. It means that they are now a direct concurrent of Revolut, which everybody is using to save on currency exchange fees.This new information makes it interesting to compare the two....

(Disclosure: Some of the links below may be affiliate links) It is time for a full expenses report for the entire year 2019. I am already doing an expense report every month. But having a yearly view helps put things in perspective.I think it is essential to do this. It shows that some expenses that you feel are small can quickly pile up. 400 CHF per month may not seem much, but this 4800 CHF per year! And this sounds like a lot of money!Another advantage of doing that is to clean up all your...

(Disclosure: Some of the links below may be affiliate links) I already compared Interactive Brokers and DEGIRO for different cases. However, I have only considered portfolio weighted towards U.S. ETF. However, for many investors in Europe, it is currently not possible to invest in such ETFs because of PRIIPs. This set of investment regulations went into action in 2018.Currently, Swiss investors can still invest in the U.S. ETF with IB. But this may not last. Once this changes, we will face...