Personal Investment

(Disclosure: Some of the links below may be affiliate links) What the Swiss National Bank (SNB) does is not very clear for many people in Switzerland. So, I thought it would be interesting to research this subject and write about my findings. The Swiss National Bank is quite famous, even abroad, but what does it really do? It is because of it that we do not have any interest rate in our bank accounts? Let’s see in detail what this central bank is doing. We will also see that the Swiss...

(Disclosure: Some of the links below may be affiliate links) Many people are saying that I make FIRE and early retirement look too simple. And many people are falling into the trap of believing that retiring early is easy. I want to delve into that important subject. For me, retiring early is simple. There is no doubt. However, it is not easy! The difference is fundamental. And there are no secrets to getting to FIRE. You need to focus your efforts on that goal. And how much effort you are...

(Disclosure: Some of the links below may be affiliate links) Overall, May 2021 was a good month, despite the crappy weather. We had some opportunities to see our friends and family again, and we feel like life is slightly going back to normal. But from a financial point of view, it was not a great month! We had to pay a large bill for the house. So despite a good income this smooth, we did not save any money this month, and our net worth fell for the first time in a long time. So, let’s...

(Disclosure: Some of the links below may be affiliate links) PostFinance is a well-known Swiss bank and broker. They are generally considered to be very affordable and very easy to use. If you want a Swiss broker, should you use PostFinance as a Swiss investor, especially as a passive investor? This is what we are going to find out in this in-depth review. In this article, we will see what PostFinance offers as a broker, how much it costs, and much more too. By the end of the review, you...

(Disclosure: Some of the links below may be affiliate links) Many people want to make a little extra money. Having a side hustle can help you bring some more money and improve your financial situation. I have not talked much about this on the blog. But I want to expand on the subject. In this article, I want to talk about online surveys. These are surveys you can answer online, and you will get some money when you answer them. There are several interesting websites where you can do that in...

(Disclosure: Some of the links below may be affiliate links) PostFinance and Swissquote just started a new joint venture: The Yuh banking application. With Yuh, you can save money on your account, pay in Switzerland and abroad and invest in the stock market and cryptocurrencies. Yuh is an entirely digital offer. They have no offices. You can manage all your money directly from your phone. So, you will pay your bills and invest your money on your smartphone. So, should you use Yuh? What...

(Disclosure: Some of the links below may be affiliate links) I have been using Interactive Brokers (IB) for several years. It took me a while to get used to this broker. However, I am now able to do all the operations I need easily. I will show you exactly how to buy an ETF from start to finish on IB, the easy way! I have been contacted a few times by readers that were having a hard time starting with Interactive Brokers. This is indeed a little complicated at first, but it becomes very...

(Disclosure: Some of the links below may be affiliate links) We all want to pay lower taxes! When you fill your tax declaration in Switzerland, it is important to take advantage of all possible tax deductions. Tax deductions allow you to reduce your taxable income. Since your taxable income will directly drive the amount of taxes you are going to pay, it is essential to reduce it when possible. So, in this article, I want to go into detail about all the possible tax deductions that exist...

(Disclosure: Some of the links below may be affiliate links) Many people invest only in dividend-paying stocks. More specifically, they only invest in stocks that have a good history of paying dividends. This means that these stocks do not cut dividends. They expect that investing in these stocks will yield more returns than invest in the broad stock market. Some people plan to retire entirely based on the dividends. As a result, many people ask me why I do not invest in dividend stocks...

(Disclosure: Some of the links below may be affiliate links) Many people do not invest because they think it is too much work or takes too much time. Investing may indeed take a little work and time to get used to it at the beginning. However, once you are used to, investing in the right way takes very little time and effort each time. So, in this article, we are going to see exactly how much time investing takes. I will start talking about investing yourself (DIY Investing), but I will...