personal finance in switzerland

My spouse and I are considering of buying a home as our own residence using second pillar fund. The government website states that the property you buy must be your principal residence. My questions are, what if after a couple years we would like to rent out the entirety of our home or part of...

How many months of expenses do you have saved and why? Is there any research about what is the optimal number of months? What would be too little and what too much from a objective point of view?

Dear Swiss Redditors, I am reaching out to all the finance pros here. I'm pondering a career pivor into wealth management / financial planning as an independent advisor. For those of you already doing client advisory, how did you start? What do you need to do legally to become a financial...

As the title suggest, I started investing modest amounts (below 400 Fr) on a monthly basis with neon invest almost a year ago because of the simplicity and relatively low fees (0.5% per transaction). My strategy is to focus on highly diversified world ETFs such as MSCI ASCII (TER 0.20%) and...

Hi all, My brother in Spain told me about this broker, trade republic, which is offering 4% annual return for cash deposited in their account, no fees. They're a broker for ETFs, crypto, etc, but unfortunately unavailable for Swiss residents. Just sharing in case you have family/friends...

I’ve been investing around 1200chf into IBKR and 400chf into my 3rd pillar per month for a couple years now. My remaining savings are mostly in a cash account which amounts to just over 50k. If I think about my potential emergency fund, it would probably be around 20k, meaning I have 30k or so...

Numbers at the end of each year since the year i turned 18y net worth on 31.12 in CHF 2012 5k 2013 15k 2014 20k 2015 30k 2016 100k 2017 500k 2018 300k 2019 400k 2020 900k 2021 1.3M 2022 700k 2023 1.3M 2024 currently c.a 1.8M all that was done without ever earning more than 5100...

I want to withdraw my funds (USD) from etoro to my Swiss bank account. Seems that etoro doesn't support withdrawal in CHF, and I fear that if I send the money as USD or EUR, my Swiss bank will apply very poor conversion rates. Etoro provides PayPal as a second withdrawal option, I'm not sure if...

Passt und passt nid ganz rein.... Kunden von VIAC kriegen Flottenrabatt bei Audi. Für alle die es nicht gewusst haben: https://deals.viac.ch/?deal=3 14-26% Nachlass ist schon nicht schlecht!

I'm (24m, swiss) currently studying Systems Engineering at ZHAW while working part-time (50%) as a software developer. I'll be graduating and transitioning to full-time work next year and am looking forward to start with my finances. I'm also currently looking for an apartment. I've been...

I had around 100K invested in tech stocks and ETF's (mainly VGT) and decided to sell because I'm house hunting and will use the money as part of the downpayment when I find one. Tech stocks are a bit volatile - and the market was at a good point so I decided it best to reduce my risk. The cash...