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@benferr2136 Saxo Bank offers really good conditions nowadays. 0.22% yearly fee and a trade starts at 1 USD for American stocks and ETF and 3 CHF for Swiss stocks and ETF. I think this offer is good enough to rather have your assets in CH than somewhere else.

@lauriluillier Maybe another take regarding emergency fund: I believe it makes more sense to think about the highest financial risk. Example: Your highest risk might be loosing your car. So you look for alternatives on car trading plattforms and save the money you'd need to get a new car. In...