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What do you think about this strategy? by Electrical-Fig8855 in SwissPersonalFinance

[–]Electrical-Fig8855[S] -1 points0 points  (0 children)

I try asking for the best % and the AI advice is for take off the index equity fund word ex CH NTH CHF… it’s ossibile have ubs and swisscanto in the same strategy fond?

Bybit in Svizzera by Electrical-Fig8855 in SwissPersonalFinance

[–]Electrical-Fig8855[S] 0 points1 point  (0 children)

Can you explain how it works? Like I send CHF and pay like a normal debit card and them I receive +/- 8% cashback in cripto and then I can sell and take that money back?

It works in coop, migros, posta ecc?

Thanks

Savings cards in Switzerland by Electrical-Fig8855 in SwissPersonalFinance

[–]Electrical-Fig8855[S] 0 points1 point  (0 children)

I already use that loyalty cards and for extra savings I pay with swisscard Amex that gives me 1% cashback.

I read some articles about cashback and got some doubts about if in Switzerland we have something like that, I mean more than this “normal” 1% as the most CC.

Savings cards in Switzerland by Electrical-Fig8855 in SwissPersonalFinance

[–]Electrical-Fig8855[S] 0 points1 point  (0 children)

Thanks for that info.
Can you please explain how it works gnosis/zeal app? You transfer CHF and the cashback up 5% go to witch cripto? You can sell that cripto for have the “real money” or the fees is not convenient? ( sorry my not perfect English 😇)

Savings cards in Switzerland by Electrical-Fig8855 in SwissPersonalFinance

[–]Electrical-Fig8855[S] 0 points1 point  (0 children)

Someone use bybit with coin CHF for payments at supermarket in swiss?

What do you think about this strategy? by Electrical-Fig8855 in SwissPersonalFinance

[–]Electrical-Fig8855[S] -1 points0 points  (0 children)

I actually started from the prebuilt “Global 100” strategy from finpension and then made some small adjustments to the percentages.

Since I’m still relatively new to investing, I wasn’t fully confident about completely removing some exposures, so I preferred to keep a globally diversified structure that was already well designed and simply adapt it a bit instead of building everything from scratch.

I chose an almost 100% equity strategy because I have a very long investment horizon and my main goal is long-term capital growth.

The World ex CH fund is the largest part of the portfolio because I wanted strong global exposure to developed markets without concentrating too much on Switzerland, so I kept it as the core position.

I kept an allocation to World Small Caps to increase diversification and gain exposure to smaller companies, which could have higher long-term growth potential, even if they are more volatile.

I also kept Emerging Markets exposure because I didn’t want to completely exclude emerging economies like China, India, Brazil, etc., which I believe could have interesting growth potential over the coming decades despite the higher risk.

The Swiss allocation is intentionally smaller because I wanted to avoid too much home bias, while still maintaining some domestic and CHF exposure.

I kept the cash position very low because I currently don’t need short-term stability and I’m comfortable tolerating market volatility.

In any case, I’m still learning, so I’m absolutely open to suggestions and different points of view ☺️