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.
Should you use your Retirement Savings for a Down Payment?
Buy a home with pension? Learn the pros and cons of using your 2nd or 3rd Pillar money as a down payment for your house in Switzerland.
Credit Card Insurance in Switzerland 2026 – Is it worth it?
Are you covered? We analyze common Swiss credit card insurances (travel, purchase protection) to see if they are actually useful or just marketing.
Automate your investments with Saxo in 2026
Auto-Invest on Saxo. Learn how to set up automatic monthly investments (savings plans) on Saxo Bank to put your portfolio on autopilot.
Pilla 3a Review 2026 – Pros & Cons
Pilla 3a is a new digital third pillar account proposed by CA next bank and the Liberty Foundation. Is it good? We review it in detail.
August 2025 – Tired but excited to move
In August 2025, we got the keys to our new house! We have been dealing with many things and are exhausted but looking forward to moving in.
Neon vs radicant – Which is the best digital bank in 2026?
neon and radicant are two interesting digital banks with many features. Which one should you choose? We compare them in detail to help you.
Is Interactive Brokers safe for Swiss investors?
Wondering if Interactive Brokers is safe for Swiss investors? Learn about its financials, asset protection, and how it compares to a Swiss broker.
Should you take a pension or a lump sum from your second pillar in Switzerland?
The big decision. Annuity or Capital? We analyze whether you should take your Second Pillar as a monthly pension or a lump sum cash withdrawal.
July 2025 – Buying a new house
In July 2025, we signed the contract for buying a new house. Other than that, we did not save much money and had little time for ourselves.
How to securely store your cryptocurrencies?
If you are investing in cryptocurrencies, it is crucial to store your cryptocurrencies very securely. Here are a few important tips to do that!
Should you sell stocks or bonds in retirement?
Withdrawal Strategy. Should you sell stocks or bonds first in retirement? We simulate different strategies to find the one that preserves your capital.