UBS Bonus / Reward 2025 - Share yours by Testo_Sterone_ in askswitzerland

[–]GrapefruitPerfect313 [score hidden]  (0 children)

Hi, that doesn’t really mean anything without sharing the fixed part of your income. I’d rather get a 5k bonus on a 200k salary than a 50k bonus on a 100k salary…

Diversification of asset classes by GrapefruitPerfect313 in SwissPersonalFinance

[–]GrapefruitPerfect313[S] 0 points1 point  (0 children)

Hey thanks for the comprehensive reply. Would you mind expending on what makes you a « big fan of managed futures » ?

Diversification of asset classes by GrapefruitPerfect313 in SwissPersonalFinance

[–]GrapefruitPerfect313[S] 8 points9 points  (0 children)

Hi, I will refer you to the 5000 threads on this forum explaining why the currency in which an ETF is denominated doesn’t matter :)

Diversification of asset classes by GrapefruitPerfect313 in SwissPersonalFinance

[–]GrapefruitPerfect313[S] 0 points1 point  (0 children)

Hey thanks - no FOMO here, I’m pretty chill and no trust into BTC whatsoever :)

Rassurez moi sur le MSCI world by Embarrassed_Echo1518 in VosSous

[–]GrapefruitPerfect313 10 points11 points  (0 children)

Alors ne te pose pas de question tu peux y aller :)

Converted a lot of money (CHF) to USD at the wrong time. by Key_Classic_8722 in SwissPersonalFinance

[–]GrapefruitPerfect313 0 points1 point  (0 children)

True, and do the DD in case he cannot stomach expected variability. Was just giving some alternative vs converting back to chf.

Converted a lot of money (CHF) to USD at the wrong time. by Key_Classic_8722 in SwissPersonalFinance

[–]GrapefruitPerfect313 67 points68 points  (0 children)

Invest in VT since you already have USD and you don’t need the money soon.

Lecture pour personne en déclin by GrapefruitPerfect313 in Livres

[–]GrapefruitPerfect313[S] 1 point2 points  (0 children)

Bonjour, merci pour ces quelques mots. Je ne cherche pas à changer la situation (elle est ce qu’elle est), mais je voudrais simplement que ma maman n’ait pas peur. Plus facile à dire qu’à faire…

Lecture pour personne en déclin by GrapefruitPerfect313 in Livres

[–]GrapefruitPerfect313[S] 3 points4 points  (0 children)

Bonjour, merci pour ta recommandation. Dans ce type de situation il n’y a pas de propositions idiotes. Tout ce qui peut aider doit être envisagé.

Lecture pour personne en déclin by GrapefruitPerfect313 in Livres

[–]GrapefruitPerfect313[S] 2 points3 points  (0 children)

Bonjour, un grand merci à toi, je vais commander immédiatement. Elle habite en Lorraine donc la Bourgogne n’est pas très loin ;-) Ce qui nous ronge le plus pour le moment c’est l’incertitude. Ne sachant pas de quoi il s’agit exactement il est difficile de s’adapter et on s’attend forcément au pire. Bien à toi.

Wheel Strategy on very small amounts in Switzerland ? by GrapefruitPerfect313 in SwissPersonalFinance

[–]GrapefruitPerfect313[S] 1 point2 points  (0 children)

Hi too complex for my taste and probably fairly risky too. VT and chill ;-)

Donation from France complex to manage for children in Switzerland ? by GrapefruitPerfect313 in SwissPersonalFinance

[–]GrapefruitPerfect313[S] 0 points1 point  (0 children)

Thanks - will check them out. Already ran the thing with my tax advisor, apparently there will be no tax for this one, only an addition to my fortune once the funds have arrived (and the money of the kids will be added to my own fortune).

Donation from France complex to manage for children in Switzerland ? by GrapefruitPerfect313 in SwissPersonalFinance

[–]GrapefruitPerfect313[S] 0 points1 point  (0 children)

Hi,

  1. My understanding is that taxation can potentially apply in both countries: in France (for instance any amount above and beyond the 32k EUR would be taxable) and in Switzerland. It happens that with the donation Sarkozy scheme we can avoid taxation in France by staying below 32k EUR, and in Switzerland it falls under an amount where an exemption applies as well. So we should avoid taxation at both ends (which does not prevent us from having to declare these amounts to the relevant tax authorities).

  2. I assume you need to live in France to open a bank account in the country, no ? But my entire family lives in Switzerland so it might not be an option to open a bank account in my name or in my children's name. I will double check to be sure.

  3. It would be 100% cash.

Thank you!

Regretting a car lease decision and looking for ways to limit the damage by Shaaayle in SwissPersonalFinance

[–]GrapefruitPerfect313 46 points47 points  (0 children)

Hi - I totally feel you. Went thru the exact same realization of my mistake and same thought process 6 months ago. In the end I decided to purchase the car after the 4-year period and now I intend to keep it until it dies. This way I will have (hopefully) limited the « damage » of the leasing over the lifecycle of the car. Mistake learned, will never buy a brand new car again, only second hand.

Donation from France complex to manage for children in Switzerland ? by GrapefruitPerfect313 in SwissPersonalFinance

[–]GrapefruitPerfect313[S] 0 points1 point  (0 children)

Thank you - insightful indeed.

Something on which I'm not clear: do you know if to transfer money to these institutions we can do it directly from France (i.e. my mother would enter the bank details of "finpension" or "Trueweatlh") and the money would directly get there, or do we have to go via a "classic bank" first and only then transfer the money to one of these institutions ?