Personal Investment

(Disclosure: Some of the links below may be affiliate links) Many of you have asked me to delve into what happened to GameStop stock. While it may be late, this will still help you understand this strange event. In 2021, the stock of GameStop, a company on the decline, increased more than tenfold and many hedge funds lost a lot of money, driven by some individual investors. It may have been the first time some well-organized retail investors have fought against big hedge funds and have...

(Disclosure: Some of the links below may be affiliate links) Many people want to know whether they should rebalance their portfolios. This is an excellent question, and it becomes essential once in retirement. Rebalancing is the fact of selling the shares that have overperformed and then buy the stocks that underperformed. The idea is to keep your portfolio allocation to the same level. People disagree on whether you should rebalance in retirement or not. People do not even agree on that...

(Disclosure: Some of the links below may be affiliate links) June 2021 is already over. It went very fast! After the crappy weather of May, we finally got some better weather, although it was crazy hot. And then we went back to the crappy weather. But overall, it was a good month. We even had a nice short vacation in Thun. Financially, it was an okay month, despite large expenses due to the vacations, the blog, and some shopping for the house. Overall, we still managed to save 53% of our...

(Disclosure: Some of the links below may be affiliate links) If you plan to retire early based on a withdrawal rate strategy, you base your FIRE plan on historical data. So, what would happen if the future is very different from the past? We obviously cannot predict the future. So, what can we do? We can improve our FIRE plan with some margin of safety! In this article, we will see several ways of adding some margin of safety into your FIRE planning. The need for some margin of safety If...

(Disclosure: Some of the links below may be affiliate links) Inyova is a Swiss Robo-Advisor that focuses on impact investing. You may know it under the name Yova that was its previous name until June 2021. The main idea is to invest to make the world better. So not only will you get good returns for your investment, but your money will work to improve the world. But how does Inyova compare with other Robo-Advisor, and how much does it cost? That is what we are going to find out in this...

(Disclosure: Some of the links below may be affiliate links) PostFinance is the bank of the Swiss Post. It is one of the largest banks in Switzerland. But is it any good? I am going to answer this question in this article. I will look into the bank services of PostFinance in detail and see the advantages and disadvantages of this bank. They have changed many things recently with their banking packages and how they handle negative interest rates. All these changes will be included in my...

(Disclosure: Some of the links below may be affiliate links) Your Safe Withdrawal Rate (SWR) is an essential component of your retirement planning if you plan to retire based on your investment portfolio. We have already talked at length about this method of retirement, the essence of the Financial Independence and Retire Early (FIRE) movement. But we have not talked in-depth about how to choose a Safe Withdrawal Rate for your situation. No SWR would fit every situation. And while there...

(Disclosure: Some of the links below may be affiliate links) I have already mentioned financial advisors on this blog and my dislike of them. But I have not yet delved into the subject. It is essential to realize the dangers of financial advisors. Most financial advisors do not have your interest at heart, but theirs! This is the main issue with financial advisors. Most are biased. And this bias can cost you a lot of money in the long term. And there are other issues with financial...

(Disclosure: Some of the links below may be affiliate links) In 2020, inflation in Switzerland was negative, at -0.7%. It means that, on average, consumer prices have decreased in the year 2020. So, life has become cheaper in Switzerland. But is life in Switzerland really cheaper? And if so, is it cheaper for everybody? Today, I want to delve into inflation numbers for Switzerland and what they exactly mean. As we will see, inflation is not a perfect indicator of the cost of living in...

(Disclosure: Some of the links below may be affiliate links) You have probably heard of the 4% rule if you are interested in early retirement. This rule states that if you withdraw 4% of your portfolio every year, you can sustain your withdrawals for 30 years. But do you know where it comes from? If you have read a lot about it, you probably heard about the Trinity Study. This study is where it all started. But do you know what the Trinity Study is? Probably not. A lot of things people are...