Tag Archives: Investing

(Disclosure: Some of the links below may be affiliate links) Recently, I had the chance to discuss Real Estate investments with Iain. Iain came from the United Kingdom to Switzerland 14 years ago. He is now a Swiss citizen.He has been investing heavily in several properties, especially in the United Kingdom. I thought it would make a very interesting story for this blog.We are currently considering buying a house to live in, but not yet investing in property. But diversification being very...

(Disclosure: Some of the links below may be affiliate links) In 2020, many things have happened in the P2P Lending world. Two major platforms have disappeared. And with them, all the money of the investors.In this context, it is essential to talk rationally about P2P Lending. People need to realize the risks. But not all platforms are scams.I think that Mintos is the safest platform out there. It is the biggest platform and has been reliable since its creation in 2015.I know that P2P Lending...

(Disclosure: Some of the links below may be affiliate links) Selma is a Robo-Advisor in Switzerland. They offer a different approach than other Robo-Advisors in Switzerland. Indeed, you will have your own virtual personal assistant.This assistant will guide you through investing. And through your chat with the assistant, the system will design a personalized portfolio.In this post, I am going to review Selma in detail. By the end of the article, you will know whether Selma is a good fit for...

(Disclosure: Some of the links below may be affiliate links) My investment strategy is to invest myself directly with a broker. I believe this is the best strategy. However, it is not the most straightforward strategy. It can sometimes be complicated. And many people are not ready to invest themselves.For people that do not want to invest directly, Robo-Advisors are the next best thing. They offer investments managed automatically by a computer. As such, the costs are generally lower when you...

(Disclosure: Some of the links below may be affiliate links) In the Personal Finance community, many people are advising everybody to automate as much as their personal finances as they can. I am not one of them. I do not automate anything in my personal finances. I do not like automation for my personal finances.I think it is a big mistake. Automating your personal finances is a lazy excuse for not being rigorous enough to manage them yourself. The worst is the “set it and forget it” advice...

We have just reached a new bear market due to the fears of the coronavirus pandemic. The chances are that this is your first bear market. And the chances are that you are freaking out. Today, I want to cover how to invest in a bear market and what to do when a bear market strikes. But first of all, you should focus on your health with this coronavirus. I hope you and your family are healthy! Money is useless if we are not in good health to enjoy it! Make sure you...

(Disclosure: Some of the links below may be affiliate links) We have just reached a new bear market due to the fears of the coronavirus pandemic. The chances are that this is your first bear market. And the chances are that you are freaking out.Today, I want to cover how to invest in a bear market and what to do when a bear market strikes.But first of all, you should focus on your health with this coronavirus. I hope you and your family are healthy! Money is useless if we are not in good...

(Disclosure: Some of the links below may be affiliate links) Due to the 2020 Coronavirus (Covid-19), the stock market entered what we call a bear market. It has fallen more than 20% since its high. And we hear a lot of talk about recessions. We are currently not in a recession, but we may well be soon!But do you even know what a recession is? And what does it have to do with the stock market?Today, I want to go into details as to what is a recession, what causes one, and what are its...

(Disclosure: Some of the links below may be affiliate links) Today, we are going to see if the 4% Rule works in Switzerland, with Swiss Stocks, or not. I have wanted to do this experiment for a very long time. Now, I got all the data I need for a full simulation!I have been able to obtain data up to 1924 for Swiss Stocks and Swiss Inflation. It was not easy since not many people are interested in the data. But now, it is done! So I could finally do the simulation!I know that many of my...

Many people think that investing in the United States Exchanged Traded Funds (ETFs) is dangerous. They believe that because of the U.S. Estate Tax. This tax will heavily tax the assets of a decedent. This tax means that your beneficiary will only get a portion of your estate when you decease. Because of that, many people recommend not to invest in American ETFs (or even stocks). But is that even true? Many people forget about the U.S. Switzerland double taxation...