A common portfolio allocation mistake
Portfolio allocation means deciding how much money to invest in which asset. And most people do it wrong. Let’s that you have 1 million francs. How much should be invested in bonds, stocks, real estate, gold, crypto, cash, etc. ? Deciding how much (in %) should...
The case for Ethereum and why it’s valuable
I believe that the Ethereum is valuable. Here is why... I first learned about crypto in 2013, roughly 4 years after the first bitcoin was mined. Since then, I’ve always been convinced of one thing: blockchain is an amazing technology that solves important...
The truth about dividends
Have you ever heard that investors should seek dividends? It's free money, right? Right? This is the second article of the series « Popular but wrong beliefs about investing » Here is part 1: The stock market is like a casino. Today, I would like to explore...
Is it worth it to add to your second pillar?
Some pension funds offer the possiblity to make voluntary contributions to the second pillar. In most cases, it's also possible to "cover the hole". But is it a good idea? When it comes to retirement planning, there aren’t many levers to pull in Switzerland....
Using retirement money to buy real estate
Is it a good idea to use your second and third pillars to finance the acquisition of your primary residence? When a foreigner (like I was) learns about swiss real estate, he gets two shocks. The first one is the prices: it’s almost impossible to get anything...
What a loop pedal can teach you about financial life planning
A loop pedal will repeat and repeat and repeat and repeat a recorded sound. Unless you’re a musician, you’ve probably never heard of a loop pedal. Basically, a loop pedal lets you record a sound and repeat that sound on a loop. But instead of telling you what a...
The biggest financial scam in Switzerland: real estate in Baurecht
Have you ever heard of buying a property in Baurecht (construction right)? It gives you a 20 to 40 % discount but it's also the biggest financial scam in Switzerland. A lot of people aspire to become homeowners. But real estate is so expensive! So any trick to...
Which insurances should you buy?
An insurance salesman will tell you that you need to be insured for everything. But is that reasonable? In Switzerland, there are a few mandatory insurances: Liability insurance if you’re a renter Car insurance if your own a car Health insurance if you own a...
Why inflation is good
Inflation is often seen as the enemy of investment performance and financial planning in general. Inflation is what made the German economy collapse in the 1930s and led (among other things) to the rise of Hitler and the Nazis. But it's the less horrible setting for...
What makes things valuable?
You’ve probably already wondered why we fight so hard to own rectangular pieces of paper with faces on them. Or to own gold. Or real estate. This is my attempt to answer the question: what gives things value? Including my take on bitcoin. Why do you go to work? Well,...
A common portfolio allocation mistake
Portfolio allocation means deciding how much money to invest in which asset. And most people do it wrong. Let’s that you have 1 million francs. How much should be invested in bonds, stocks, real estate, gold, crypto, cash, etc. ? Deciding how much (in %) should...
The case for Ethereum and why it’s valuable
I believe that the Ethereum is valuable. Here is why... I first learned about crypto in 2013, roughly 4 years after the first bitcoin was mined. Since then, I’ve always been convinced of one thing: blockchain is an amazing technology that solves important...
The truth about dividends
Have you ever heard that investors should seek dividends? It's free money, right? Right? This is the second article of the series « Popular but wrong beliefs about investing » Here is part 1: The stock market is like a casino. Today, I would like to explore...
Is it worth it to add to your second pillar?
Some pension funds offer the possiblity to make voluntary contributions to the second pillar. In most cases, it's also possible to "cover the hole". But is it a good idea? When it comes to retirement planning, there aren’t many levers to pull in Switzerland....
Using retirement money to buy real estate
Is it a good idea to use your second and third pillars to finance the acquisition of your primary residence? When a foreigner (like I was) learns about swiss real estate, he gets two shocks. The first one is the prices: it’s almost impossible to get anything...
What a loop pedal can teach you about financial life planning
A loop pedal will repeat and repeat and repeat and repeat a recorded sound. Unless you’re a musician, you’ve probably never heard of a loop pedal. Basically, a loop pedal lets you record a sound and repeat that sound on a loop. But instead of telling you what a...
The biggest financial scam in Switzerland: real estate in Baurecht
Have you ever heard of buying a property in Baurecht (construction right)? It gives you a 20 to 40 % discount but it's also the biggest financial scam in Switzerland. A lot of people aspire to become homeowners. But real estate is so expensive! So any trick to...
Which insurances should you buy?
An insurance salesman will tell you that you need to be insured for everything. But is that reasonable? In Switzerland, there are a few mandatory insurances: Liability insurance if you’re a renter Car insurance if your own a car Health insurance if you own a...
Why inflation is good
Inflation is often seen as the enemy of investment performance and financial planning in general. Inflation is what made the German economy collapse in the 1930s and led (among other things) to the rise of Hitler and the Nazis. But it's the less horrible setting for...
What makes things valuable?
You’ve probably already wondered why we fight so hard to own rectangular pieces of paper with faces on them. Or to own gold. Or real estate. This is my attempt to answer the question: what gives things value? Including my take on bitcoin. Why do you go to work? Well,...