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Learn easy ways to optimize your finances and save thousands in Switzerland with our exclusive e-book. Learn about the most cost-effective financial services tailored for savvy residents and expats!

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Author: Baptiste Wicht

Baptiste Wicht started The Poor Swiss in 2017. He realized that he was falling into the trap of lifestyle inflation. He decided to cut his expenses and increase his income. Since 2019, he has been saving more than 50% of his income every year. He made it a goal to reach Financial Independence and help Swiss people with their finances.

Finpension Invest vs VIAC Invest 2025

Finpension and VIAC both unveiled their Robo-advisor service. We compare Finpension Invest vs VIAC Invest in depth to help you choose.

Can flexibility help your early retirement?

Can you withdraw more money from your portfolio if you have flexibility with your expenses in retirement? We find out with many simulations.

Kaspar& 3a Review 2025 – Pros & Cons

Kaspar& 3a is a relatively recent third pillar with some interesting features. We check how it fares in practice in this review.

February 2025 – Back from China

In February 2025, we came back from China and saved much of our income because of higher than average income and lower expenses.

Step-by-Step Guide: How to buy an ETF with Saxo in 2025

Here is all you need to know to start investing in ETFs with Saxo: Each step of the process is detailed to buy an ETF.

How much we spent in 2024 – Full Expense Report

This full expense report will exactly what our 2024 expenses look like. We will detail the total and categories and what went well and what did not.

3a buybacks are now possible: All you need to know

Since 2025, 3a buybacks are now possible! Here is how they work, how you can use them and whether you should use them!

January 2025 – Going to China

In January 2025, we got better after a bad December, and then we left for a few days in China. Other than that, the month was pretty quiet.

Should you use multiple brokers?

Having a single broker is simple, so why would you want multiple brokers? This article outlines multiple reasons why this may be good for you.

2025 Goals and 2024 Goals Review

Find out all about our 2025 goals and how our 2024 goals went. Here is what going to happen in 2025 for us, our money and the blog.

VZ 3a Review 2025 – Pros & Cons

VZ 3a is a third pillar by the popular VZ company, a financial service provider and advisor. Is it any good? We find out in this in-depth review.

December 2024 – A month sick and horrible expenses

December 2024 was not a great month. I was sick for almost the entire month and we spent way too much money.