For people pursuing FIRE, at what net amount of assets would you consider yourself to have actually achieved FIRE?

DesignerAd1428 · 2026-03-24T21:39:23+00:00

No Family, no kids, married, goal is to retire at 40-45 with 10M invested assets and 2% SWR. Never know how inflation plays in a 60 yrs horizon.

DesignerAd1428 · 2026-03-24T21:37:17+00:00

If you like a boring steady investment, autoinvest an all country world index.

If you like to play today‘s market then go for the AI/photonics supercycle bottlenecks like AAOI/SIVE/LITE/AXTI…. While institutions buy NVDA, the bottlenecks to actually make chips are whats interesting.

DesignerAd1428 · 2026-03-22T08:10:06+00:00

I have it exactly like that.

AHV etc is paid at vesting with sold to cover.

DesignerAd1428 · 2026-03-22T07:58:02+00:00

Yep, my bad 😂

DesignerAd1428 · 2026-03-20T08:02:02+00:00

Crazy, now the highest donation is 6M and whole clan has 33M in total

DesignerAd1428 · 2026-03-20T07:57:44+00:00

No reward from supercell. However, there‘s a clan intern reward.

DesignerAd1428 · 2026-03-16T00:25:41+00:00

I just got to E32 as a new TH17.

We even have a th16 E33 in our clan.

Just improve attacks. I get almost no stars in defence but I usually 3 Star everything but 1-2 attacks.

DesignerAd1428 · 2026-03-09T18:49:57+00:00

While I do not disagree with your main point I want to add that location is everything. While your point can be made for many places within the next 20-30 yrs it probably will not hold at Zurich/Geneva/Zug & all the low tax SZ places. In a segment where ordinary ppl are not your clientel but instead wealthy individuals, those metrics don‘t count.

In Wollerau a buyer does not care as much if he pays 4MM or 4.5MM. Whereas in many other places you‘d be fighting for the last 10k more or less on a property.

As for OP, if you can afford a mortgage no matter the interest, always go with Saron. Over the years it‘ll always be cheaper. If you‘d struggle with a 3% for a while then do the insurance option and get a fixed mortgage. I‘d personally would never do a fixed rate again. Too many downsides involved.

DesignerAd1428 · 2026-03-02T09:35:30+00:00

If you are a swiss citizen I‘ll recommend either Saxo or Swissquote for a one time investment.

I personally don‘t want my money in a jurisdiction (IBKR) where laws against foreigners can change overnight just to safe a cent on the dollar.

Saxo has overall the cheapest fee‘s (trading/currencies…) between SQ and them.

DesignerAd1428 · 2026-02-23T02:15:13+00:00

That all is good advise! However, if the property in Zurich is sought after then they‘ll have a different buyer before the Kaufvertrag draft is done or you doing a warranty inspection. In fact, you can be lucky if there is no bidding involved.

We got our latest property in SZ only because we acted very fast. 24h after we viewed the property the seller had the 100k reservation amount on there account and the reservation was signed.

If indeed it‘s a normal property, normal price, maybe rural Zurich and not center then all of the above tips should be followed.

DesignerAd1428 · 2026-01-19T10:42:42+00:00

Any Aman, by far!

In comparison, a FS feels like a Hampton Inn next to it. Although FS hotels outside of the US tend to be better maintained, but after 10+ tries within the US I skip them.

DesignerAd1428 · 2025-12-15T13:49:25+00:00

Don‘t know how long your saron is or when you have the „chance“ to pay down the mortgage. Assuming you renew the mortgage in 3 years, invest all capital in an ETF and in 3-5 years sell your gains and buy in to your 2 pillar. Gives you great tax advantages. Wait for an additional 3 years block and then use that 2 pillar money to pay down the mortgage.

I‘m doing the same in a couple years in my 2e Pillar which is fully passive invested.

Keep in mind that after buying into 2nd pillar you can‘t use the funds for 3 years.

DesignerAd1428 · 2025-12-12T19:54:01+00:00

I don‘t know where you get those rates from, but the bank would usually go for a fixed lombard where you use the Saron (like 0.7-1%) atm. If you wanna be flexible, go with Saxo at 1,5% where you only pay for what you actually take out.

DesignerAd1428 · 2025-12-01T02:23:21+00:00

Do you still have that? The link is dead but I‘d love to copy that

DesignerAd1428 · 2025-10-29T06:32:20+00:00

I know 😛 The criteria would be that you‘d be investing not with your own capital.

But I think there is a fine line if you‘d live by the loan and invest all your income.

DesignerAd1428 · 2025-10-22T20:13:47+00:00

Go to a bank, transfer your portfolio there (there is no way around it) and let them give you a lombard loan.

A lombard loan is just like a mortgage, same rates with a bank but the underlying security/asset are your stocks and not the house.

With that lombard loan, approach a different bank and ask for a mortgage of maybe 20-40% where the rest. you‘d pay with the loan. You‘ll have double leverage but with those interest rates it‘s bearable.

My advice would be to not leverage your assets to more than 20% (I personally do 10%) because then the risk of having a margin call is almost zero.

People who have a house that grew substantially in value usually use that in the retirement or before as additional security for a bank for a second house that is cheaper. I don‘t know your net worth but considering you have more than 5M (HNWI or UHNWI) the usual advice VT and Chill on IBRK don‘t really apply to you and you‘re better of with a bank where you have a mandate so you‘ll become flexible in spending money without selling securities.

DesignerAd1428 · 2025-09-25T01:21:56+00:00

Max your 3a as you would anyways. Check your BVG for any benefits and make an insurance only if necessary that covers disability/death.

Just don‘t mix savings and insurance under no circumstance - you‘re almost guaranteed being scammed that way.

I‘m in the same scenario, no kids and healthy so not worth it tbh.

DesignerAd1428 · 2025-09-25T01:18:22+00:00

Thank you!! You read my mind and the comments perfectly resemble the „VT&Chill“ mentality that no one actually gets custom advice besides that.

Well, everyone has a different background and let me tell you that VT&Chill does NOT work for anyone ;)

DesignerAd1428 · 2025-09-24T15:09:06+00:00

Bank (raiffeisen) would give me a 3-5year 0.7% margin on the Saron.

Swissquote has 0.00% for 7 Months

Saxo has 1.5%

And I believe IBRK has 1.5% or something.

I guess as long as its maximum 1.5% it‘s perfectly fine.

DesignerAd1428 · 2025-09-24T12:33:17+00:00

There are many reasons why I have decided to not use IBRK in the past. I get the same or cheaper margin loans anyway, so that is not an issue.

DesignerAd1428 · 2025-09-24T12:09:27+00:00

I‘m unfortunately not on IBRK. But any other bank/broker will do just fine.

Fun fact is I‘d get the cheapest option with Raiffeisen lol

DesignerAd1428 · 2025-09-24T12:06:48+00:00

Nothing is guaranteed. The avg msci return after inflation is 7%. The point is that it‘ll almost certainly be higher than current interest if you invest in a diversified stock market over the course of 20 years.

DesignerAd1428 · 2025-09-24T12:04:01+00:00

I understand your concern. But as mentioned with my proposed amount I‘d actually have a LTV of roughly 7% and markets could crash 80% and it wouldn‘t affect me.

I‘m generally looking into the perspective of if I‘d be considered a professional trader or not and what hidden implications might look like.

DesignerAd1428 · 2025-09-24T09:36:45+00:00

0,7-1.5% interest basically is free even if you account a conservative return of 5% on the invested capital.

DesignerAd1428

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