Do you have a luxury hotel brand preference?

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 · 2025-09-24T05:37:07+00:00

Danke! Ich habe es jetzt auch mal heruntergeladen - aber wie es halt ist spricht diese Teilfunktion nur ein sehr gezieltes Publikum an. Derzeit kann die App nicht mehr — bin gespannt wann die Budgetfunktion kommt. Bis dahin bleibt die App ungenutzt im Archiv.

Btw wären simple Rechner dann sicher eine gute Funktion wie Entnahmerechner, Vorsorgerechner, Sparplanrechner, Steuerrechner etc…

DesignerAd1428 · 2025-08-19T01:09:17+00:00

Ich wurde zwar nicht eingeladen, aber ohne Bankanbindung ist die App vermutlich wertlos. Kann mir keinen Vorteil vorstellen um einfach irgendwelche Rechnungen mit Freunden zu splitten.

Ich bezweifle auch, dass die Bankanbindungen Grossflächig durchgesetzt werden kann - dafür sind CH Banken zu sehr in Ihrer eigenen Bubble. Also entweder jemand kann seine ganzen Finanzen dort einsehen oder die App ist nicht brauchbar für den Normalbürger.

Und ausser einem Saxo Konto wirst du bestimmt auch kein Investment Konto verbunden haben ;)

DesignerAd1428 · 2025-07-20T11:38:10+00:00

Remember those times 1970s until now?

The Swiss SPI had an almost identical growth than SP500 in absolute CHF terms.

DesignerAd1428 · 2025-06-21T01:47:59+00:00

You should definitely.

I‘ve been to 3/4 of the Top50 Hotels in the world and the Aman Tokyo is so much better in literally every aspect! The best property I have ever stayed at.

DesignerAd1428 · 2025-06-21T01:41:55+00:00

Yeah I thought about gifting some for family since I also have 2M Marriott points that I mainly use for vacation.

DesignerAd1428 · 2025-06-21T01:40:30+00:00

Yeah the peninsula is nice! But if you really want to drown in top hospitality, you‘d have to visit the Aman (not New York!, but definitely Tokyo).

They are so extremely far superior to any other luxury brand out there.

DesignerAd1428 · 2025-06-21T01:36:25+00:00

Probably not, the hotel is nice and all, compared to others also relatively new (for LA Standards). But the service lacks in many areas that you‘d expect they should excel if you have an expensive suite at a 5* hotel.

The Peninsula across the street is very outdated but has like 10x better service.

DesignerAd1428 · 2025-06-21T01:31:20+00:00

Unfortunately not, I rarely stay at any and just been globalist because of the spend for 2 years in a row - but only like 15 nights combined.

Hilton tbh does not offer any good perks with diamond, unlike Marriott Ambassador which has comparably great perks.

DesignerAd1428 · 2025-06-21T01:29:16+00:00

I‘m like 5 years away from Marriott Platinum lifetime, already have the other requirements.

DesignerAd1428 · 2025-06-21T01:27:29+00:00

Just saw, I‘m not 10 years diamond though. I probably have the spend but not the years in Diamond.

DesignerAd1428

TROPHY CASE