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$Maxing Out 3a: The Emotional Weight of Missing CHF 0.40$

January 2, 2026

Maxing Out 3a: The Emotional Weight of Missing CHF 0.40

Why a forty-cent shortfall in your Swiss pension contributions can trigger an existential crisis in precision-obsessed savers

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CHF 1.6M House Sale: Should You Buy Rental Property or Invest in the S&P 500?

Switzerland

January 2, 2026

CHF 1.6M House Sale: Should You Buy Rental Property or Invest in the S&P 500?

A Swiss homeowner’s 100% gain in 15 years creates a classic reinvestment dilemma, but the math is only half the story. The real controversy lies in a systemic conflict that makes every Swiss both tenant and landlord.

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Real-World Economics of Solar + Heat Pump: One Year of Data from a German Household

Germany

January 2, 2026

Real-World Economics of Solar + Heat Pump: One Year of Data from a German Household

A detailed financial breakdown of one German family’s first year with a 9kWp solar system, battery storage, heat pump, and EV, revealing why their €40,000 investment actually makes sense compared to gas heating.

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Lump Sum Investing at the Market Peak: A CHF 25K Mistake?

Switzerland

January 2, 2026

Lump Sum Investing at the Market Peak: A CHF 25K Mistake?

A Swiss investor’s CHF 25,000 lump sum deployment at the February 2025 market high raises the eternal question: is timing luck or strategy?

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Germany

January 2, 2026

Germany’s Restaurant Tax Cut: Who’s Really Getting Served?

The VAT on restaurant food drops from 19% to 7% in 2026, but don’t expect cheaper meals. German gastronomy says they’ll keep the savings to cover costs, while critics call it a tax gift for fast-food giants.

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Germany

January 2, 2026

Germany’s Vorabpauschale: The Stealth Tax That Eats Your ETF Returns

How Germany’s advance tax payment on ETFs creates a negative compounding effect that silently erodes long-term wealth-building strategies

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Why Your ‘Risk-Free’ Savings Account Is Riskier Than a Bond ETF

Austria

January 2, 2026

Why Your ‘Risk-Free’ Savings Account Is Riskier Than a Bond ETF

Austrian investors are waking up to a brutal truth: the supposedly ‘safe’ choice between Tagesgeld and money market ETFs hides risks that could cost you thousands. The real scandal isn’t volatility, it’s the silent wealth destruction neither banks nor ETF providers advertise.

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Investing 500K CHF at Market Highs: Why Your Fear Is Costing You More Than a Crash

Switzerland

January 1, 2026

Investing 500K CHF at Market Highs: Why Your Fear Is Costing You More Than a Crash

A 49-year-old Swiss investor sits on 500K in cash, paralyzed by all-time highs. The math is brutal: hesitation costs more than any correction. Here’s how Swiss investors should deploy large cash positions without timing the market.

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Germany

January 1, 2026

Germany’s €80 Kitchen Revolution: Beating 35% Food Inflation at Home

With food prices up 35% since 2020, Germans are discovering that home cooking with basic ingredients and smart kitchen gadgets isn’t just healthier, it’s the most effective financial strategy nobody talks about.

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Germany

January 1, 2026

Heat Pumps in Germany: The Financial Trap Nobody Talks About

Why German homeowners are overpaying for heat pumps and how to avoid becoming the next victim of inflated quotes and outdated contractor advice.

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German Family Budget 2025: The €6,300/Month Illusion of Middle-Class Security

Germany

January 1, 2026

German Family Budget 2025: The €6,300/Month Illusion of Middle-Class Security

A brutally honest breakdown of where the money actually goes for a four-person German family, why your mortgage strategy might be working against you, and what 2026 policy changes really mean for your wallet.

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The €25,000 ‘Passive Income’ Illusion: How German Investors Are Gaming ETFs and Tagesgeld in 2025

Germany

January 1, 2026

The €25,000 ‘Passive Income’ Illusion: How German Investors Are Gaming ETFs and Tagesgeld in 2025

A deep dive into the controversial strategy generating five-figure returns through clever ETF-Tagesgeld allocation, aggressive rate shopping, and tax optimization that’s dividing the German financial community

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