March 2020 – COVID-19 comes to Europe

Categories Monthly

These are troubled times. In March 2020, the new coronavirus, COVID-19, made it to Europe. And now, European countries are trying to fight off the virus. Some are doing a good job, but most are not faring too well.

I hope all of you are healthy and safe in these weird times! Health is the most important thing these days.

Regardless of all this madness, it is time for another monthly update, a constant in this changing world!

Continue reading “March 2020 – COVID-19 comes to Europe”

The best Television plans in Switzerland for 2020

Categories Frugality, Switzerland

I think we can agree that everybody wants to pay as little as possible for their television bills. Even though you may think your current television plan is the cheapest available, there could be new deals since you started using your plan. It is always important to keep up to date with the latest offers.

There are many Television offerings in Switzerland. Some are expensive, while some can be cheaper than you thought.

In this article, I am going to compare different ways to get Television in Switzerland.

Continue reading “The best Television plans in Switzerland for 2020”

Renting in Switzerland – All you need to know

Categories Frugality, Switzerland

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 rent. But if the price goes down, you are entitled to a reduction.

Other subtleties are important when you are renting in Switzerland. For instance, there are many things you need to know about giving back your apartment. I am going to cover them in detail.

Continue reading “Renting in Switzerland – All you need to know”

Robo-Advisors: Invest without any hassle

Categories Investing

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 compare with active investing funds from a bank.

In this article, we are going to see in detail what Robo-advisors are and who they are for. We are also going to see what Robo-Advisors are available in Switzerland.

Continue reading “Robo-Advisors: Invest without any hassle”

Automating Your Personal Finances is a Mistake

Categories Investing, Budget

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 for automating your personal finances!

Continue reading “Automating Your Personal Finances is a Mistake”

How to protect yourself from a recession – All you must know

Categories Investing

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?

Continue reading “How to protect yourself from a recession – All you must know”

The 4% Rule for Swiss Stocks – Can you retire early?

Categories Investing, Switzerland

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 readers are waiting for this. And I was also waiting for these results.

Continue reading “The 4% Rule for Swiss Stocks – Can you retire early?”

What does the U.S. Estate Tax mean for Swiss Investors?

Categories Investing, Switzerland

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 estate tax treaty.

In this article, we are going to study in detail the U.S. Estate Tax and the U.S. Estate Tax Treaty with Switzerland. And we are going to see what this means for Swiss investors.

Continue reading “What does the U.S. Estate Tax mean for Swiss Investors?”