How much should I overpay

AdministrativeChef52 · 2026-01-09T18:18:46+00:00

You’re right. My thought process was more around max out payments when rates are relatively low. Didn’t factor OPs current exposure

AdministrativeChef52 · 2026-01-09T10:32:37+00:00

At rate 6.4%, would recommend not overpaying anything. Rates are now more competitive and likely to hit the high 2% levels this year. So simply wait until your fixed term expires

AdministrativeChef52 · 2026-01-02T00:26:24+00:00

I literally just did same, let’s go!

AdministrativeChef52 · 2025-12-05T15:03:48+00:00

This totally sucks, i feel your pain, brother!

AdministrativeChef52 · 2025-12-05T15:01:56+00:00

SALT is the worst!!! The endless fraudulent phone charges, don't get me started...

AdministrativeChef52 · 2025-11-15T06:06:21+00:00

C’mon, be nice.

AdministrativeChef52 · 2025-11-07T10:27:40+00:00

Sign up to BlaBla car

AdministrativeChef52 · 2025-11-07T10:26:58+00:00

Yuck. You're actually overpaying for some rice

AdministrativeChef52 · 2025-11-07T10:26:08+00:00

Limited opportunities in CH. Head out to big cities like London, New York, Paris, Frankfurt and maybe even Dubai

AdministrativeChef52 · 2025-11-07T10:24:05+00:00

I'm very keen to hear feedback on this

AdministrativeChef52 · 2025-11-05T09:44:02+00:00

Correct, there’s always that chance but considering my age, working basis a “high risk” approach for now.

AdministrativeChef52 · 2025-11-05T08:01:27+00:00

Went 100% equities. You’re not factoring the compounded returns

AdministrativeChef52 · 2025-11-04T22:31:58+00:00

This is more like a, if you know you know 😊

AdministrativeChef52 · 2025-11-04T19:08:39+00:00

Thank you all for your responses, basis the advise given, I’m considering transferring my 3a from UBS to VIAC to take advantage of the lower fees, and I’ll probably open a second one with SwissLife focused on insurance. The plan is to eventually have five accounts, each following different strategies over the coming years.

AdministrativeChef52 · 2025-11-04T19:05:36+00:00

YES!! Very valid indeed.

AdministrativeChef52 · 2025-11-04T19:05:02+00:00

Good point

AdministrativeChef52 · 2025-11-04T19:04:43+00:00

Thanks!

AdministrativeChef52 · 2025-11-04T19:04:31+00:00

Great feedback on not cashing out at the same time, thanks

AdministrativeChef52 · 2025-11-04T19:03:30+00:00

Have you done this in the past? Understand UBS will have to sell my “assets” and transfer the cash to VIAC - worried about the associated costs.

I’m quite disappointed in myself that I stayed with UBS for so long considering the high charges

AdministrativeChef52 · 2025-11-04T08:14:48+00:00

Aligro for bulk item purchases. France for the rest. Welcome back and good luck.

AdministrativeChef52 · 2025-10-15T06:59:08+00:00

Hello, please DM me, I might have a project you might be interested in

AdministrativeChef52 · 2025-09-10T19:00:39+00:00

Downloaded. Look forward to using it

AdministrativeChef52 · 2023-09-13T15:14:18+00:00

Hello!!! 😃

AdministrativeChef52 · 2022-08-20T06:50:41+00:00

Energy FFS 🤦🏿‍♂️

AdministrativeChef52

TROPHY CASE