Author: Baptiste Wicht
Baptiste Wicht started The Poor Swiss in 2017. He realized 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.
How much we spent in 2022 – Full Expense Report
Here is exactly how much our family of three spent in 2022, everything included! Learn from our good categories and from our bad ones!
January 2023 – A good start of the year
January 2023 was a good standard month to start the year. It was quiet, which is what we needed. And financially, it was quite good.
Vested benefits accounts: All you need to know!
Pension freedom. A complete guide to Swiss Vested Benefits accounts. Learn when you need one, how to open it, and how to invest the money.
2023 Goals and 2022 Goals Review
Our 2023 goals are ready for the new year and we are reviewing our 2022 goals as well. Come see what we plan for 2023.
Pando 3a by Swiss Life Review 2026 – Discontinued
Pando 3a is a new third pillar by Swiss Life, focusing on sustainability. Let's find out how good (or bad) it is and whether you should use it.
December 2022 – Glad it is over
December 2022 was a bad month overall for several reasons, but it was financially okay financially with a decent savings rate.
What is the Substitute Occupational Benefit Institution?
Lost pension? Learn what the Substitute Occupational Benefit Institution is, why your money might be there, and how to move it to a better fund.
Is indirect amortization really better for you?
Pay off your mortgage? Direct vs Indirect Amortization: We compare the tax benefits and risks to help you choose the best repayment strategy.
November 2022 – A normal month?
November 2022 turned out to be more expensive than expected, with large health bills and a food budget out of control! Find out what happened!
What is a failsafe withdrawal rate?
Is any rate safe? We explore if a "failsafe" withdrawal rate exists for early retirement and how to protect your portfolio from total failure.
Should you use IB Fixed or Tiered pricing in 2026?
Save on fees. IBKR Fixed vs Tiered pricing: We calculate the break-even points to help you choose the cheapest plan for your trading style.