Tag Archives: Switzerland

(Disclosure: Some of the links below may be affiliate links) In Switzerland, most people rent their apartment or house. The reason is that access to real estate is quite complicated. But renting is not much simpler. If you want to rent in Switzerland, there are many things you need to know. You will be better prepared and better protected if you learn about this subject.For instance, did you know that rent prices are indexed on a reference interest rate? If the rate goes up, so does your...

How Switzerland peps up SMEs: Banks are encouraged to extend credit (at 0%). The treasury guarantees the loans. The SNB refinances banks and accepts the guaranteed loans as collateral. Fast and efficient. Eventually, some of these loans will turn into grants of course. But that’s ok; the first-best response to a shock with asymmetric effects does involve transfers if markets are incomplete.

(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...

(Disclosure: Some of the links below may be affiliate links) 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....

(Disclosure: Some of the links below may be affiliate links) When you have a lot of things at home, there are probably many of these things that are not necessary. An excellent way to get rid of some of these things is to sell them.You will save space and earn some money! There are many ways to sell items. But in today’s age, selling online is often the way to go.For instance, recently, I did some ordering in my technology closet (yes, I am the kind of guy that has a technology closet). And I...

(Disclosure: Some of the links below may be affiliate links) Neon and Revolut are both digital banks. However, they are very different banks. Until recently, they both were very complimentary. But then, something changed!In January 2020, Neon announced that they removed the fees for payment abroad with their cards. It means that they are now a direct concurrent of Revolut, which everybody is using to save on currency exchange fees.This new information makes it interesting to compare the two....

(Disclosure: Some of the links below may be affiliate links) I know you like personal finance. But I hope you like statistics and numbers! Because today I am bringing you a bunch of them!For this article, I have collected many personal finance statistics about Switzerland. I have only gathered the most interesting statistics for you!At the end of the article, you will also find my sources. There are many more statistics available if you want to do some extra research. Each of my statistics...

(Disclosure: Some of the links below may be affiliate links) You may have read that I am using DEGIRO has my broker. I chose DEGIRO mainly because of its very low fees. I am very satisfied with my experience with DEGIRO. I have not had a big problem since I started using it about a year ago.Interactive Brokers is also a very popular broker. It has been there for much longer than DEGIRO, who is a very young broker. And it also has very low fees. When I chose DEGIRO over Interactive Brokers, I...

(Disclosure: Some of the links below may be affiliate links) I have now been using DEGIRO for about four months. I think It is now time for a review of this great broker.In this post, I am going to go about all the things I liked about this broker. And of course, I am also going to talk about the things I did not like.I decided to use DEGIRO four months ago based on costs. Currently, my portfolio is quite small. So, you may have a different experience if you have a significantly more...