Personal Investment

(Disclosure: Some of the links below may be affiliate links) Most of the time, when we hear stories of early retirees, they are all living in countries where the cost of living is much lower than in Switzerland. But recently, I have had the chance to interview an early retiree in Switzerland! Dror has retired in Switzerland in 2021 at the age of 46. His story is very interesting, in that he is one of the first early retirees I have had the chance to talk with. Without further ado, here is...

(Disclosure: Some of the links below may be affiliate links) Charles Schwab is a giant financial firm in the United States. Among other services, they offer stock broker services. And through Charles Schwab International, they are open to non-US residents. Many of my readers have requested that I write about it. Therefore, I will review Charles Schwab International from the point of view of a Swiss investor. We will how much it costs to invest with Charles Schwab International and the...

(Disclosure: Some of the links below may be affiliate links) I have not done a book review in a long time on this blog. I felt like most books did not deserve to be talked about. However, I felt like Just Keep Buying, from Nick Maggiulli, deserved to be talked about. In this article, I will review this book, what I liked and what I did not like. By the end of the book review, you should know whether you want to read that book or not. Just Keep Buying The book’s title already tells the main...

(Disclosure: Some of the links below may be affiliate links) May 2022 was a good month. We had a nice time in the lovely weather. The first half of the month almost felt like summer. I even started wishing for colder temperatures (which I got in the second half of the month). Financially, it was a good month for our savings rate. However, it was a bad month for our net worth because of the wild stock market. Even though we saved a considerable amount of money, our net worth decreased...

(Disclosure: Some of the links below may be affiliate links) I have talked about car costs a few times already on this blog. However, I have never written about Mobility. Mobility is a Swiss car-sharing cooperative. Mobility has a large fleet of cars in Switzerland. Mobility users can then use these cars when they need them and do not need to own a car. Is Mobility actually cheaper than owning your car? Let’s find out! Mobility carsharing Mobility carsharing is a cooperative with more than...

(Disclosure: Some of the links below may be affiliate links) Recently, I realized that too much optimization of our finances was creating complexity that I did not want anymore. Optimization of finances is about balance. Until recently, we were optimizing for the best price. Now, we are trying to make our finances simpler in a few ways. In this article, I will discuss what we are planning to do. Optimization is all about balance Sometimes, it is essential to realize that optimization for...

(Disclosure: Some of the links below may be affiliate links) It is time for yet another Robo-advisor review. Simplewealth is a Swiss Robo-advisor that aims to be affordable, transparent, and easy to use. This review will analyze Simplewealth in detail: its pros and cons, its fees and strategies. By the end of the article, you will know whether you should use Simplewealth for your investing. Simplewealth Simplewealth LogoSimplewealth was born in 2015 from the minds of Jeremy Cohen and Adrien...

April 2022 was a good month. We had a few pleasant events with our friends and family. It was not very eventful, but we had time to work on a few late things, which is excellent since we have very little free time these days. On the financial side, it was a great month with … Continue reading "April 2022 – A good month"

Daycare is a large portion of the budget for many people in Switzerland. Indeed, daycare can become quite expensive quickly, especially if you have several children. So far, we have not put our son in daycare, but we think we may do it next year. So, I wanted to delve into the costs of daycare … Continue reading "The costs of daycare in Switzerland"

(Disclosure: Some of the links below may be affiliate links) January 2022 did not start as well as we would have liked. We went back in quarantine after contact with somebody that turned out COVID positive, and Mrs. The Poor Swiss and Baby Poor Swiss had dome symptoms. But everybody is fine now! We had to cancel plenty of things and refuse help when we would have needed it. This month was definitely not good for morale. From a financial point of view, it was a great month with standard...