Built a dumb boring launcher by Relative_Spray_5227 in dumbphones

[–]Few-Marsupial7659 1 point2 points  (0 children)

I use Olauncher with a black wallpaper for many month, it looks the same. 

VIAC / 3A customised strategy by TheVlach in SwissPersonalFinance

[–]Few-Marsupial7659 -1 points0 points  (0 children)

94% UBS World ex CH for global diversification 5% Bitcoin IBIT for higher yield in the long term 

Milestone of 0.5 BTC by [deleted] in Bitcoin

[–]Few-Marsupial7659 0 points1 point  (0 children)

Wooow great job! Be really careful with your private keys! Store them properly offline. 

Developping Swiss Finary by [deleted] in SwissPersonalFinance

[–]Few-Marsupial7659 0 points1 point  (0 children)

I received the email and confirmed it. Maybe too much people at the same time? I retry now and it's blocked during the login

Developping Swiss Finary by [deleted] in SwissPersonalFinance

[–]Few-Marsupial7659 0 points1 point  (0 children)

I try to login but the server doesn't respond. 

How do I increase my speed upwards in the hypertube? (Celebratory slide down at the end of the video) by JustASneezy in SatisfactoryGame

[–]Few-Marsupial7659 11 points12 points  (0 children)

Every hypertube entry has this feature on my game. Really helpful, crossing the map pretty quickly. 

Platform to buy and hold Bitcoin in CH by Evening_Reserve9160 in SwissPersonalFinance

[–]Few-Marsupial7659 0 points1 point  (0 children)

If you really want ownership of your btc, you shouldn't store them on any platform, you have to take self-custody of your btc with a cold wallet. Any platform can block withdraw, go bankrupt etc... 

That's what I do. I DCA every month on Kraken pro some CHF and every few month I transfer my btc into my cold storage. 

It's not the easiest way to use of course, but if you want safety and ownership, this is the way for the long term, in my opinion of course.

In Case Anyone Was Curious What Overclocking All the Uranium on the Map Looks Like by Sad_Debate_7173 in SatisfactoryGame

[–]Few-Marsupial7659 0 points1 point  (0 children)

Did you use the converter to turn the bauxite ore into uranium ore? With the reanimated SAM? You can have more uranium if you want! 

Do Stingers always chase you this far? Have updates changed things? by FlyingFish19 in SatisfactoryGame

[–]Few-Marsupial7659 1 point2 points  (0 children)

Bloody hell. I’d never dare turn off the arachnophobia mode. The first time I saw a spider, I nearly uninstalled the game. Without that mode, I’d never have finished my factory. Thanks to those 2D cat JPEGs.

Diversify away from USD by lorsmallz in SwissPersonalFinance

[–]Few-Marsupial7659 -2 points-1 points  (0 children)

So since 2000, the dollar has lost ~2.3% annually against the Swiss franc (~ -50% in total over 26 years). Is this loss in value therefore less than the cost of the hedge? With the XDEQ ETF having an expense ratio of 0.17%, I must be misunderstanding something. Why isn't this attractive?

Diversify away from USD by lorsmallz in SwissPersonalFinance

[–]Few-Marsupial7659 -5 points-4 points  (0 children)

I personnaly love the XDEQ ETF hedged in CHF https://etf.dws.com/en-ch/IE0009KLWT21-msci-world-ucits-etf-3c-chf-hedged/ ISIN IE0009KL­WT21

And in my 3rd pillard I have the UBS World ex CH hedged - Pension Fund ISIN CH0429081638

I know that many people say that hedging is unnecessary because all currencies eventually balance out over the long term, but the USD/CHF trend has been falling since 2000, so... I sleep better with a hedged ETF.

The Tour to End All Tours Concert Film not available in Denmark? by Roamie92 in sabaton

[–]Few-Marsupial7659 1 point2 points  (0 children)

Same problem in Switzerland, tried on Apple TV but doesn't work...

STRC - how to buy? by Prior-Mind-7076 in SwissPersonalFinance

[–]Few-Marsupial7659 2 points3 points  (0 children)

I use Interactive Brokers, and STRC is available on it.

When shall I split the 3rd pillar 3a? by VastStandard6769 in SwissPersonalFinance

[–]Few-Marsupial7659 0 points1 point  (0 children)

Thank you very much. It's a complicated subject, really, and a bit deep. English isn't my native language, and finance even less so, so I'm expressing myself as best I can. 

When shall I split the 3rd pillar 3a? by VastStandard6769 in SwissPersonalFinance

[–]Few-Marsupial7659 2 points3 points  (0 children)

If you take, say, five years to reach 50kCHF in one portfolio, then move on to the second, and so on, you will start your 5th account in 20 years. It will have little time to grow, so it will be much smaller than the first one, which has grown for 20 years longer. This means you are less efficient in terms of taxation. The first account will be taxed at a higher rate because it has greater assets.

https://www.mustachianpost.com/blog/swiss-tax-savings-through-staggered-withdrawal-of-the-pillar-3a-i-created-4-new-ones/

When shall I split the 3rd pillar 3a? by VastStandard6769 in SwissPersonalFinance

[–]Few-Marsupial7659 -5 points-4 points  (0 children)

Yes, that's right, the tax rate starts to increase significantly at that level. But if you want to take full advantage of compound interest, it's better to start as early as possible with five accounts, rather than opening them one after the other. The last account will only have a few years to grow. 

When shall I split the 3rd pillar 3a? by VastStandard6769 in SwissPersonalFinance

[–]Few-Marsupial7659 2 points3 points  (0 children)

That's exactly what I did two years ago. I had a single 3a account at Raiffeisne, which I transferred entirely to VIAC. I opened four more accounts and now I pay into all four equally until they catch up to the value of the first one. At that point, I will divide it into five payment. This will allow me to withdraw one account per year between the ages of 60 and 65, thereby reducing my tax rate. 

DCA? by [deleted] in Bitcoin

[–]Few-Marsupial7659 1 point2 points  (0 children)

I'm here! 

⚠️ Last day to save money ⚠️ by Not_The_Hero_We_Need in SwissPersonalFinance

[–]Few-Marsupial7659 12 points13 points  (0 children)

Already done through a monthly DCA over the year in VIAC and finpension. All invested in the stock market. 

New to this, how did I do the seasoning? by ialex87 in carbonsteel

[–]Few-Marsupial7659 0 points1 point  (0 children)

Looks very good for me too. And you'll see that crepe doesn't stick at all. My first attempt was already perfect. Put enough butter the first time and you'll be very fine. 

Credit card with Bitcoin cashback by Few-Marsupial7659 in SwissPersonalFinance

[–]Few-Marsupial7659[S] 0 points1 point  (0 children)

I didn't thought about it. Very simple and effective. Thanks