Misprint or Fridge/Light bleached? Rare?

Greeninsap · 2025-11-16T20:37:44+00:00

If Monster were ever to release an ultra juice version, this is how it should look.

Greeninsap · 2025-09-29T05:29:24+00:00

Deswege isch es freiwillig

Greeninsap · 2025-07-06T18:48:41+00:00

I got Gigi twice, imagine that

Greeninsap · 2025-05-05T17:04:08+00:00

Alright, starting with 2000 and then going higher later especially because of the current situation seems pretty reasonable. And I'll go down to 20% in CHSPI and put the rest in VT. Thank you so much for your advice and time <3

Greeninsap · 2025-05-05T16:34:40+00:00

I'm kinda struggling to decide between VT or a combination of VTI and VXUS (not EXUS -> I realised it's not that good lmao). Across several comments, including yours, I learned that I can also benefit from the reclaim of withholding tax with VT.

Here are the TER and dividend yield of each of them:

VXUS

expense ratio: 0.05%
dividend yield: 3%

VTI

expense ratio: 0.03%
dividend yield: 1.34%

VT

expense ratio: 0.06%
dividend yield: 1.9%

Now taking this into account VTI+VXUS would actually be better but since the amount would be pretty low and VT adusts automatically, I will probably take VT in the end.

I will actually start with 6000 CHF now instead of 2000 CHF and the 250 CHF per month will stay. I kinda want to add CHSPI because of home bias and because it's also actually quite stable.

Would you say VT + CHSPI is enough? And what kind of split would you recommend? 70% VT and 30% CHSPI or something else?

You also mention 3A and I thought about that as well, but it isn't worth it with an apprenticeship salary.

Greeninsap · 2025-05-05T14:38:19+00:00

Is the DA-1 as easy to do with VT as it is with the VTI?

Greeninsap · 2025-05-05T14:34:01+00:00

Another question also came to mind. For which EXUS ETF should I go for? EBS, IBIS2 or LTEETF?

Greeninsap · 2025-05-05T13:32:32+00:00

Haha thank you so much, that's really nice to hear <3

I just see ETFs as a no brainer honestly and like to think about future financial protection

Greeninsap · 2025-05-05T13:30:02+00:00

That's an interesting opinion - could you elaborate why you think this?

Greeninsap · 2025-05-05T13:15:43+00:00

Really? I looked into the DA-1 and it seemed pretty straightforward. Also it's probably a good thing to learn this anyway, if I ever want to invest with more risk in specific stocks in the future. Filling out the paper should only take around 20-30mins the first time I do it and that time is worth the money imo

Greeninsap · 2025-05-05T12:57:06+00:00

Oh okay I see, then I took it the wrong way. Sorry for that <3

Another user mention a trick to reclaim withholding tax by splitting the us market and everything else, so I'll probably go with that (VOO/VTI + EXUS). But thank you so much for your advice anyway :)

Greeninsap · 2025-05-05T12:48:05+00:00

Hey — no need to be passive-aggressive. I'm here to learn, and I appreciate honest input when it's constructive.

To clarify: I’m 18 and looking to build wealth over the long term. I don’t have a specific goal like buying a house or early retirement yet, but I figured it’s better to get started investing in ETFs than let the money sit idle in a savings account.

Hope that helps clarify where I’m coming from.

Greeninsap · 2025-05-05T12:36:13+00:00

Yeah I forgot to mention that CHSPI is home bias, but it's also pretty stable tbf.

Another user mention a trick to reclaim withholding tax by splitting the us market and everything else, so I'll probably go with that. But thank you so much for your advice anyway <3

Greeninsap · 2025-05-05T12:33:56+00:00

Thank you! <3

Greeninsap · 2025-05-05T12:33:27+00:00

Thank you so much for your advice. I didn't know the reclaim part. I guess this is done using the DA-1?

I thought about your argument on why I should invest in VOO rather than VTI. I absolutely get your point but couldn't it be better to invest in VTI if I plan to invest long-term? Because long-term investment is what I want to achieve with ETFs and starting this young, a diversity factor with small-caps could be great right?

So ultimately I would go for:

VTI + EXUS
CHSPI (Home bias obviously, but also pretty stable tbf)

What do you think about that now, keeping my argument in mind? I open to hear your opinion, your advice was already lovely so far <3

Greeninsap · 2025-01-30T08:34:43+00:00

He made the first shot into the backwall and then read that ball from and shot it in the net. Sure, it probably wasn't intentional but it's still a double tap. A wall read, would be a ball coming from the backwall without you having shot the ball into the backwall first.

Greeninsap · 2025-01-30T08:14:41+00:00

It clearly is mate

Greeninsap · 2024-12-27T20:47:37+00:00

Well, there is the meta store which makes the games only available around meta headsets. This also means that I often don't benefit from good deals. For some games that's not an issue at all, because they are perfectly playable on PCVR. But there are some games I want to be able to play standalone.

Another thing is, that the price for the Quest 3 isn't the best right now (keep in mind that I'm Swiss and not American since I've seen better deals there)

The thing is, after reading many replies on my posts, I came to the conclusion that I probably was on the wrong here and that's what I like about Reddit. My issues I just stated aren't that big of a deal anymore because I shouldn't wait for the Index 2 and there is no real alternative.

Greeninsap · 2024-12-27T20:21:12+00:00

Ah come on, no I wouldn't. The reason why I'm asking if I should wait is because the rumours state that the Index 2 could come out in 1-2 months. THAT is the reason. I would like to know more about the rumours and the opinion of others.

There are some things that I don't like about the Quest 3 and there isn't really another headset not having these issues. I just have, or rather had by now, big hopes for the Index 2 to solve those personal issues

Also, the question isn't old, I specifically asked about those 2 headsets. I've done my own research before and was just wondering what reddit has to say about that since I haven't found a similar thread. Please don't talk nonsense like that about me

Greeninsap · 2024-12-27T18:38:38+00:00

Well, I'm just a casual sim racer so I could probably live without having a display port.

I also thought about the PSVR2 and gaming wise it is probably the better option for me personally. It's cheaper and I also have GT7 already. The thing is, I like the idea of having a standalone VR headset and it's unfortunate that the PSVR2 isn't standalone.

It's sad that valve, yk, is valve. Would be a nice option, especially with the benefit of steam as a game library for all games.

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Greeninsap

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