personal finance

Hi there, I hope someone can help understand the Cash Holdings insights of IKBR (see screenshot attached). I have deposited about CHF34,000 in IKBR all in CHF currency. I have bought various ETFs some in USD and some in CHF. About 15600CHF in holdings denominated in CHF About 20400USD...

29 M married earning 2.5 lpm and combined income of 3.5 lpm. We have one student loan with emi of 30k and monthly rent is 40k. We spent around 25k on necessities and groceries. I am a auto a enthusiast currently owning good bike. Heart is saying to buy Scorpio N but that will cost around...

Disclaimer (prompted by some people who comment without reading): This post is about the sometimes surprising effects of dollar-cost averaging. It is targeted at investors who do NOT have a large lump-sum to invest, but are forced to make regular smaller investments over time (such as Kiwisaver...

Hi y’all I need some financial advice before I sign on a new car purchase. I’m trying to get a 23 Lexus ES 350 with 0 down offer (5.25% apr) which means $820/month for 72 months (me and wife are splitting payments). Currently taking home more or less 4K a month including full coverage insurance...

Do I need to do a FiF disclosure form with my return if my investments lost money and I don't owe any tax?

Congratulations to the following fund managers on InvestNow - all winners at this year's awards: Fund Manager of the Year - Fisher Funds Management Longevity Award - Milford Asset Management Boutique Manager of the Year - Mint Asset Management Alternatives Sector - Pathfinder Global Water...

I think a big reason why this sub was created was the mental health aspect. It is pretty crummy, for me anyway, to go on r/personalfinance and people tripping over $150k salaries and how to deal with their 1st rental property. Yay you, but not me and definitely not middle class. So I think the...

Gruëzi! I am doing my yearly insurance optimization and I am struggling as usual since, in theory, you'd like to minimize all the risks possible. Thus, I wanted to discuss here what you people deem "highly recommended". I have the basic insurance plus the complementary Diversa case from...

Hi everyone! About a month ago I posted about the struggle to find a place to rent and I'd like to post an update; I found a place! https://www.reddit.com/r/MalaysianPF/s/BJdCAl0xZN It's an awesome unit in Desa Petaling. Very well renovated, good size (1200sqft), the condo itself is beautiful...

Hi everyone, I will move to move to Zurich in mid July to start a new job there. I am in the process of understanding how to secure my Permit B. However, I could have a bit of a unique situation and would appreciate any advice or experiences you could share. Here’s my situation: Mid-July: I...

Not something I can share at work, but I really want to shout it from the rooftops, so thought I'd share with all of you. 28M, O-3 (healthcare), single. No debt, no mortgage, no house. I rent an apartment. Cash: $16.8K Investments: $199.6K (split across Roth TSP, Roth IRA, taxable...

hello I want to buy VWCE etf (accumulating all world index). IBKR want's me to send them a signed "Ireland Interest Tax Form 8-3-6" from the Dutch tax office. the thing is I don't know If can get it to be signed since I have the 30 ruling. does anyone has experience with in this case? if I'm...

EDIT2: I waited in the ER lobby for five and a half hours because thankfully my condition wasn’t as urgent as I thought it was. Still it was worth going. They did an x-ray, blood work, etc. They also did a COVID test that’ll come back in 2-3 days and the doctor said they wouldn’t be surprised...

I have a car that's coming up on 8 years this year - I have it insured with full coverage (and I think 1-2 million liability). Does it make sense to keep that kind of coverage for a car this old? Or should I switch to basic coverage? Or am I asking the wrong question because car insurance is...

Hi the time mark is set when the actor of this video is showing picture of the investors name I ma interested: What is his name? I am curious about the story about his investing. Thank you so much

I open this thread just to discuss and share how those of us in European countries are handling retirment savings. I see among those of you in the US that active saving in either 401k or Roths is very typical an almost a "must" in a household's budget In Europe, on the contrary, , to my...

I’m 21 and my current job as a consultant for a government department is $31 p/h. This is my first professional/full time job and the skills I have acquired are very worthwhile. However, there are the downsides such as high stress due to the pressure of the KPIs and crazy micromanagement. I...

I found these CHF-hedged S&P500 ETFs on justETF, available on SIX Swiss Exchange: • Amundi / 0.07% / 54 Mio • HSBC / 0.12% / 0 Mio • iShares / 0.20% / 441 Mio • UBS / 0.12% / 50 Mio • Xtrackers / 0.20% / 10 Mio Considering the lowest fees, Amundi seems favorable. However, are there any...

Im 31 years old have 15k in savings only partner has 15k as well. We are thinking about getting mortgage but not sure if we want to get old here. If at 40 we decide to stay in Ireland can we still get a mortgage?

Within the last month i lost my place to live, sleeping on a friends living room, unexpected tow expense because i parked by the curb too long and not in the drive way, and now my brakes are grinding and i can't even get brakes and rotors until next week because i dont get paid until then and i...