Personal Investment

(Disclosure: Some of the links below may be affiliate links) Interactive Brokers is an excellent broker from the United States. It is known for its cheap fees and its unique range of offered investment products. It is being used by many personal finance bloggers, for instance. It is currently the best broker that allows access to U.S. ETFs. And U.S. ETFs are the most efficient ETFs for Swiss investors. In this guide, I go over the details of how to open an Interactive Brokers account. It...

(Disclosure: Some of the links below may be affiliate links) clevercircles is a new Robo-advisor in Switzerland that has been brought to my attention. They are adding a community feature to the Robo-advisory world. Some people have asked me whether they should use this Robo-advisor or not. So, in this review, I will analyze clevercircles in detail to see how good they are really, how much fees we need to pay, and how they invest their money. By the end of the review, you will know exactly...

(Disclosure: Some of the links below may be affiliate links) When you retire based on a safe withdrawal rate, you withdraw from your principal month after month. The main risk is that you run out of money before the end of your retirement. The main case when that would happen is if you retire just before a major stock market crash. A bad sequence of returns is a big risk for your retirement. One way to reduce the risk is to reduce the safe withdrawal rate you are using. But that means you...

(Disclosure: Some of the links below may be affiliate links) Overall, July 2021 was a good month for us. We could see many friends and family members that we had not seen in a long time. The weather was not great, with many floods in Switzerland, but the weather did not impact us too much. Financially, it was an awful month because of the taxes due from next year. Because of that, we were not able to save any money during the month. But we already knew it was going to happen. So, this is...

(Disclosure: Some of the links below may be affiliate links) Many people would like to get some extra income with a side hustle. One way to do this is to drive with your vehicle and deliver people or things to some destinations. Many people have their own vehicle and do not mind driving it around. So a good way to make some extra money is to use your own vehicle to deliver people and things. And there are even ways to make money with your vehicle without driving it! So, in this article, we...

(Disclosure: Some of the links below may be affiliate links) Wise (formerly TransferWise) is a British financial technology company. They provide many financial services, but they are especially known for their very affordable currency exchange services. You can use Wise to send money to other people in many different currencies, with excellent prices. You can also use your Wise card to pay abroad at a low cost. But you can also use it as a bank account and hold many currencies in your...

(Disclosure: Some of the links below may be affiliate links) If you have decided to invest in a precise stock market index, you must first choose the stock market index. And once you have selected an index to invest in, you will have to decide through which index fund you will invest in this index. For this, you can choose either a mutual fund or an Exchange Traded Fund (ETF). For popular indexes, there will be a wide choice of index funds replicating the performance of this index. Even if...

(Disclosure: Some of the links below may be affiliate links) Robo-Advisors are a great tool to invest their money without unreasonable fees for people who are not willing to invest time in learning to invest themselves. But what Robo-Advisor should you choose? Selma and True Wealth are two great Robo-Advisors, my two favorites. In this article, I will compare these two Robo-advisors in detail. I compare Selma vs True Wealth on different factors. We will check their fees, their investment...

(Disclosure: Some of the links below may be affiliate links) Raiffeisen is the third largest bank in Switzerland. Many people are using it, and many customers are even shareholders of the banks. This bank has some unique characteristics that could make it interesting. For instance, you can become a shareholder of the bank! So, should you use Raiffeisen as your bank? This is what this article is all about. I will do a deep review of the Raiffeisen bank, its banking features, its fees, and...

(Disclosure: Some of the links below may be affiliate links) I already have covered stocks in much detail on this blog. But I did not spend enough time on bonds. While bonds are currently not very interesting in Europe because of negative interest rates, they remain an important part of asset allocation. But bonds are very different from stocks. And they have some strange characteristics. So, I believe it is important to know how do they work. And it is essential to know how bond funds are...