Personal Investment

(Disclosure: Some of the links below may be affiliate links) April 2021 was a fairly standard month for us. We had a few events with my family and friends, which was great. But less than last month so, we were able to enjoy some quiet time. And with the nicer days, we could be outside a little more, even though not as much as we would have liked. It was a good month with high income and extremely low expenses from a financial point of view. So, we managed to save 77% of our income during...

(Disclosure: Some of the links below may be affiliate links) CornerTrader is one of the oldest Swiss brokers. It is an interesting broker that claims to be very affordable, especially compared to other Swiss brokers. So, is CornerTrader (CT) any good for a Swiss investor, especially a passive investor? This is what I am going to find out in this in-depth review. We will see what CornerTrader is, what you can do with it, how much it costs, and much more too! By the end of this review, you...

(Disclosure: Some of the links below may be affiliate links) A widespread misconception about the Trinity Study is that people believe that they will withdraw 4% of the current portfolio. If the portfolio is worth 1’000’000 USD this year, they can withdraw 4% of it, 40’000 USD. But in reality, the withdrawal is based on the initial portfolio at the time of retirement. If you start with 800’000 USD, you can withdraw 32’000 USD of it. And then, you adjust the withdrawal every year for...

(Disclosure: Some of the links below may be affiliate links) In Switzerland, many people are more comfortable having a Swiss broker than having a foreign broker for their stock market investments. Swissquote is one of the most well-known Swiss brokers. Many investors are using Swissquote. But is it any good? This is what I am going to find out in this in-depth review. We will see what Swissquote is, what you can do with it, how much it costs, and much more! By the end of this review, you...

(Disclosure: Some of the links below may be affiliate links) I have recently done simulations of how often you should invest to maximize your gains. And I thought that it would also be interesting to simulate how often we should withdraw money from the portfolio while in retirement. If you are retired and living from your portfolio, you will have to withdraw money from the portfolio to pay for your expenses. For this, you have to sell shares and use the proceeds to live. But how often...

(Disclosure: Some of the links below may be affiliate links) Yapeal is a very recent digital bank that was introduced to the public in 2020. They are the first bank of Switzerland to have a Fintech banking license. Yapeal is advertised as the next generation of banking with many features and straightforward onboarding. They have a free tier, but several of their features are not free. In this review, we are going to see exactly what is Yapeal: its features, its price, its advantages and...

(Disclosure: Some of the links below may be affiliate links) We have already covered a lot on the subject of Financial Independence (FI). However, we need to go into more detail about the FI Number. Your FI Number is an essential Personal Finance Metric. Your FI number will tell you how much money you need to be financially independent or retire. It is essential to know this number precisely if you want to see where you stand in your journey towards Financial Freedom. It sounds...

(Disclosure: Some of the links below may be affiliate links) These last few years, we have not spent a lot of money. Both me and Mrs. The Poor Swiss have been quite frugal. We try to spend less to grow our wealth faster. Every month we are sharing our level of expenses. But this is not to show that people should spend as we do. We do this to keep us accountable. There is no reason for everybody to spend the same. In fact, spending is a personal matter and will depend on many personal...

(Disclosure: Some of the links below may be affiliate links) March 2021 was not a very special month. We could see some friends and family, which is always good. But of course, everything has to be done in small groups, so we do more invitations than usual. But there was no significant event during this month. It was a good month, though. Financially, March is always the month I receive my bonus. So this adds a lot to the income. And it is generally the best month of the year in terms of...

(Disclosure: Some of the links below may be affiliate links) Many of you have probably heard of the Gamestop saga. A lot of hedge funds were short selling Gamestop stocks. And some investors found out about that and decided to fight against the big hedge funds by massively buying into this stock. But what is shorting a stock? When you are shorting a stock, you are betting against this stock. But why and how to do that? Even though I am not a short seller, I think it is interesting to learn...