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@cinbol Plenty of contracts available above 1200 CHF/day, I'm not as worried
@lauriluillier I can cover expenses for 3 years. No reason why, I think it is normal to save money....
@sheamusofcountycork I think OP means "saved" as opposed to "invested", not opposed to "spent" (I think ..)
@lauriluillier About 100K in the bank, rest invested or in 3a for retirement.
@rodron Why would you keep 100k at shitty interest rates at a swiss bank?
@rodron That's a good reason but a least keep it somewhere that has a better yield like IB.
@asdfkasdf Which bank gives you market interest rate on sight deposits?
@growth_17 Willbe has 1.55% atm lol. Still bad but not all banks are scamming us with garbage rates. Ironically enough Willbe in in Lichtenstein.
@growth_17 Sleep quality, speed and ease of access, and zero beta.
@lauriluillier 100k cash, I don‘t know why I don‘t go below that. Rest is invested
@lauriluillier 50/5k cash in a savings/current account. I know, fairly conservative but not having any family safety net I'd rather play it safer than some.
@lauriluillier 3-6 months, less is not enough to bridge serious troubles, more is overkill.
@lauriluillier Not much, in hindsight the only time I ever needed this was when I had to purchase a car.
@lauriluillier If your job is fairly stable and you can get another job pretty quickly then 6 months is more than enough.
3 months is too little and 2 years seems too much. So anything between 6 months to 1 year is pretty reasonable.
@lauriluillier 20K cash, everything else invested, 2a, 3a
If we loose job we have 24 months of RAV so 20K cash is more than enough