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Your First 15,000 CHF in Switzerland: The No-BS Guide to Getting Started
Switzerland

Your First 15,000 CHF in Switzerland: The No-BS Guide to Getting Started

A practical, hype-free roadmap for Swiss beginners ready to invest 15,000 CHF without falling into tax traps or overpaying on fees.

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Swiss Student Investing: Why Your 10k CHF Savings Account Is a Financial Trap
Switzerland

Swiss Student Investing: Why Your 10k CHF Savings Account Is a Financial Trap

A Swiss student with 10k CHF asks if investing makes sense. The answer reveals how inflation, fees, and opportunity cost make inaction more dangerous than market risk for young investors in Switzerland.

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Splitting Investments by Risk Level: Smart Strategy or Overcomplication for Beginners?
Switzerland

Splitting Investments by Risk Level: Smart Strategy or Overcomplication for Beginners?

A Swiss beginner’s 15,000 CHF investment dilemma exposes the gap between intuitive risk buckets and holistic portfolio construction. The answer reveals more about Swiss financial psychology than market theory.

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CHF 60,000 in a Swiss Current Account? You’re Losing CHF 1,200 Per Year to Inflation
Switzerland

CHF 60,000 in a Swiss Current Account? You’re Losing CHF 1,200 Per Year to Inflation

A data-driven analysis of Swiss short-term deposit options reveals how much money you’re wasting in current accounts and where to park CHF 60,000 for a 2027 deadline without sacrificing liquidity or security.

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Replicating the MSCI ACWI IMI in Your 3a: Precision vs. Practicality
Switzerland

Replicating the MSCI ACWI IMI in Your 3a: Precision vs. Practicality

A data-driven blueprint for building a truly global, market-cap-weighted portfolio in Swiss Pillar 3a accounts using available providers like VIAC, finpension, and Frankly.

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Excluding US Equities from Your Swiss Portfolio: Financial Suicide or Strategic Genius?
Switzerland

Excluding US Equities from Your Swiss Portfolio: Financial Suicide or Strategic Genius?

A 27-year-old Swiss investor wants to build a sustainable ETF portfolio that deliberately avoids US stocks. Here’s why this controversial strategy might make more sense than the finance bros want you to believe.

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The 2nd Pillar Buy-In Trap: How Switzerland’s ‘Safe’ Retirement Option Penalizes Late Starters
Switzerland

The 2nd Pillar Buy-In Trap: How Switzerland’s ‘Safe’ Retirement Option Penalizes Late Starters

A 30-year-old Swiss teacher earning CHF 4,000 faces the classic pension dilemma after clearing debt. The math reveals why conventional wisdom about 2nd pillar buy-ins might cost her thousands in missed opportunity.

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VT and Chill? Why Swiss Investors Are Quietly Adding Alternatives
Switzerland

VT and Chill? Why Swiss Investors Are Quietly Adding Alternatives

A Swiss investor’s journey from 100% VT into managed futures, commodities, and REITs reveals uncomfortable truths about diversification in Switzerland.

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Second Pillar 1e Savings Plans: Are They Worth It for Swiss Employees?
Switzerland

Second Pillar 1e Savings Plans: Are They Worth It for Swiss Employees?

Evaluating the pros and cons of 1e pension plans with equity focus in Switzerland, including portability risks, investment flexibility, and real-world performance implications for high earners.

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Swiss Franc vs Gold: Which Safe Haven Actually Protects Your Wealth?
Switzerland

Swiss Franc vs Gold: Which Safe Haven Actually Protects Your Wealth?

The Swiss Franc hits record highs while gold prices surge. But which asset truly shields your portfolio? A data-driven analysis for Swiss investors navigating currency chaos.

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The ‘VT and Chill’ Fantasy: Why JL Collins’ Simple Path Gets Complicated in Switzerland
Switzerland

The ‘VT and Chill’ Fantasy: Why JL Collins’ Simple Path Gets Complicated in Switzerland

Swiss investors love the idea of dumping everything into Vanguard’s VT ETF and forgetting about it. But between US estate tax traps, DA-1 paperwork, and UCITS alternatives, the simple path requires more navigation than you’d think.

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100% Stocks in Switzerland: The VT Revolution Breaking Investment Dogma
Switzerland

100% Stocks in Switzerland: The VT Revolution Breaking Investment Dogma

Swiss investors are abandoning bonds for 100% VT portfolios, but the math only works if you understand Switzerland’s unique pension system and currency risks.

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