Personal Investment

(Disclosure: Some of the links below may be affiliate links) October is now over. It is time for another monthly update. This month has been very different from the months we were used to. We have to adapt to life with our baby. And every day is different. We are still not sleeping well and have very little free time at this point. So, we are in survival mode, and we only do the things we deem necessary. Fortunately, the baby grows well. The only issue is that he still has strong problems...

(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 reach financial independence. And as you will see, retiring may not be the most significant reason. In this article, I list the main reasons people want to be Financially Independent. Of course, the...

(Disclosure: Some of the links below may be affiliate links) Using the third pillar in Switzerland is a great way to save money on your taxes. However, it is not always easy to choose a third pillar provider since there are many of them, and new ones are regularly coming. Freya 3a is a new third pillar available in Switzerland. They aim to provide sustainable investments for the third pillar, and they claim that they are doing differently than the existing third pillars and at a reasonable...

(Disclosure: Some of the links below may be affiliate links) It seems that there will not be a shortage of Robo-Advisors in Switzerland anytime soon. These last few years, there has been more and more new Robo-Advisor available for Swiss investors. Findependent is a recent Robo-Advisor. They only started in 2021. But they have some interesting characteristics already. This review will cover all there is to know about Findependent and its pros and cons. It is important to mention that...

(Disclosure: Some of the links below may be affiliate links) September 2021 was very eventful for my family and me. Usually, there is not much new in my updates, but this update is packed with two big news! Keep reading if you want to know! Financially, this was a good month, without anything out of the ordinary. We had a good income and also low expenses, despite some unexpected expenses. So, we managed to save a sizeable portion of our income. In this article, we will see everything that...

(Disclosure: Some of the links below may be affiliate links) I have talked in detail about the retirement system in Switzerland, the so-called three pillars. However, I have not yet talked about a not well-known part of this system: 1e pension plans. In this article, I want to cover in detail 1e pension plans. These pension plans are sometimes called pillar 1e. We will see what it is all about, who can profit from it, and more! 1e Pension Plans In Switzerland, most people are aware of the...

(Disclosure: Some of the links below may be affiliate links) I have talked in detail about the retirement system in Switzerland, the so-called three pillars. However, I have not yet talked about a not well-known part of this system: pillar 1e. In this article, I want to cover in detail pillar 1e. We will see what it is all about, who can profit from it, and more! Pillar 1e In Switzerland, most people are aware of the existence of the three pillars, even if many people are not entirely...

(Disclosure: Some of the links below may be affiliate links) Continuing in my series of articles about making some side money, I want to talk about the ways to make some money online. I have hesitated a while about doing this article since there are so many articles online, and most of these are really bad. So, I will start with a disclaimer: you will not get rich by doing any of these things. These techniques are intended to do on the side and will require some investment of your time,...

(Disclosure: Some of the links below may be affiliate links) August 2021 was a good and simple month for us. We had many events during the weekend with our friends and families. This month was the perfect mix of events and time at home. Financially, it was also a great month with good income and record low expenses (not counting taxes). So, we managed to save more than half of our income. This puts us back on track to save more than half of our income during the entire year. August 2021...

(Disclosure: Some of the links below may be affiliate links) A stock option is an advanced financial instrument. In essence, it is a contract that conveys a right to buy or sell at a specified price up to a specified date. In my advanced investing series, I want to cover options as I think they are interesting. Now, I do not recommend investing in options, and I have never done it myself either. They are an advanced financial instrument that most people will never need. Regardless, I...