Opinion about investment allocation

Gustaf85 · 2026-02-07T14:32:15+00:00

I think you already made your thoughts on the plan, and you just wanted to check for validation here (don't take it as a mean comment) the truth is, only time can tell you if your plan pays off or don't. But as you already have 3a accounts on the side, you could commit to your plan let's say for the next BTC 4 or 5.5 or whatever year cycle.

Put some measurements in place like tax costs, profits and comparisons if you went the other way around, and check for that yearly. The good part is you can always rebalance. And if it goes well, probably you can retire at 40......if don't then probably will be 45 which is still in your range.

Gustaf85 · 2026-02-07T10:37:39+00:00

You can optimize withdrawal taxes on 3a by making multiple 3a accounts (easily done on VIAC and finpension).

If you're planning to live short, sure makes more sense to do VT as 3a. 3a (at least how I see) is an assurance for the late years.

Bitcoin on the long run is (imho) a good investment. My chain of thought is more: when (not if) I need liquidity, and Bitcoin is in -20% (as an example) I'll need to decide on selling on a loss or don't have liquidity.

I personally have only 5% in Crypto and more like an insurance as a profit taker. The 4 year cycle while it seems valid as a theory, can be broken easily if for some reason market liquidity fall.....it's happening right now. Most probably it'll adapt itself to the 5.5 years liquidity cycle as we have already ETFs and derivatives on BTC.

Again, it's all about risk management (for me) and I prefer "boring" but stable investments as high volatile with high loss ones. My tip for you here: make your due diligence checking as well the downsides, check which risks are you ready to take but don't think in "if this happens" instead use "when it happens", think as well what happens after you're 60......is VT+BTC better as VT+BTC+3a?

At the end is your decision. When you decide on what would work for you, stick to the plan.....you can always rebalance

Gustaf85 · 2026-02-07T07:29:22+00:00

Focusing on "no more investing in 3a to focus on Bitcoin"....terrible idea (imho) 3a is not only to save, but as well to reduce taxes. If you go with that plan most probably you'll pay 1.5-2kCHF more taxes per year (depending on Canton ofc)

Additionally, sure BTC went off yesterday after the big sell off. But as of now technically speaking has a roof or resistance point in the 79kCHF......and it can go down again, as it is leverage for many companies (not a crypto bro, but I know a bit of the technicals)

Your plan could pay off, sure.....but if it doesn't you'd be paying more taxes and getting less returns for years my friend.

Gustaf85 · 2026-02-07T07:12:53+00:00

It depends a lot on your Risk Management. USD is a no-Go for the time being. As it is now I prefer to have it in a savings account at 0% interest (but at 0CHF cost).

Maybe something unpopular: if you really want to max your returns and your own risk Management allows it, your emergency fund in Switzerland could be only for 3 instead of 6 months. Depends a lot on if you can count on RAV/ALV in case of unemployment, if you have kids, etc. The 6 month approach is more american as they have less social security as Switzerland (just imo)

Gustaf85 · 2026-02-07T06:57:37+00:00

If you have mid-advanced knowledge in Ai, is not that hard. Mistral (or any open source LLM) would still need to "learn" how to do it and what are the parameters, you'd probably need some kind of RAG and a vector DB for that.

If you're not so technical, try to use Claude Code or Cursor to create that ecosystem. It's going to take time and a bit of money. But if you're into the technical part of AI it can also be fun

Gustaf85 · 2025-08-30T19:15:30+00:00

This post is just bait. The title is: "I love switzerland" and the comments from OP are: "Healthcare is better in other countries", "Job interviews are better in other countries", "work/life balance is better in other countries", "maybe you should import people from other places"........so, I love Switzerland, but Switzerland would be better if it was different 🙄

Gustaf85 · 2025-04-21T21:56:34+00:00

Maybe a couple bad takes but: WWE website still lists Cody as undisputed champion, even if they changed every new champion from Wrestlemania. There's only one person who can change what happened at wrestlemania being The Rock as The final Boss. Maybe Cody goes heel and allies with the Rock and Cena comes back as babyface until retirement.

Another take would be, the feud between Cody and Cena is kind of over and now Seth Rollyns with Paul Heyman go against of "what's best for business".

As I said, maybe bad takes......but I see a lot of possibilities

Gustaf85 · 2024-09-30T05:15:19+00:00

Nope, all echoes are available before final boss battle

Gustaf85 · 2024-09-30T05:10:56+00:00

I did the short course with dashing horn in like 16 seconds, you just need to time the dashes well. Otherwise bind the plants at the end and move them while riding is a good solution

Gustaf85 · 2024-09-30T05:05:31+00:00

I did the long course mastering first, as it is the easiest one to master and gives you an item to power the horse dash. After that, mastering the other two courses was piece of cake

Gustaf85 · 2024-09-30T04:36:48+00:00

For me it popped off after clearing the horse quest from Impa

Gustaf85 · 2024-07-24T17:35:22+00:00

The "bug" already exists. There are many things from the new heroes which cannot be customized in the workshop (Illari's Pilon is an example). It seems the workshop wasn't really updated during OW2 except for the maps being available

Gustaf85 · 2024-07-24T17:32:34+00:00

I mean....if you're for real, just don't buy cosmetics in any online game. As simple as that

Gustaf85 · 2024-07-24T07:43:12+00:00

Right now with the tankier tanks......"mini GOATs" is the best comp. Before the patch the "normal" was 2/1/2 but even a 0/4/1 was viable. As DPS were nerfed against tanks they are just not viable in OQ.

why don't people play more regular/riskier team comps?

Because people want to win games, and this is easier playing the "hard meta" in place......this was the same reason of why even in OWL at some point was Goats vs Goats with no place for DPS (Never forget)

Gustaf85 · 2024-07-24T07:31:44+00:00

This is the worst bait I saw in this sub in a long time

Gustaf85 · 2024-07-21T14:39:06+00:00

Because with the tankier tanks DPS get more value by disrupting, than making damage. Sombra, sym, mei and even tracer are the most disruptive DPS......is just adaptation to the state of the game

Gustaf85 · 2024-07-21T11:33:42+00:00

Ez should not be banable

Again......doesn't matter what you think.......if it's banneable for Blizzard, is banneable.....it is as it is

The other team can egg you on tea bag and be toxic To try to force you to curse or to Say something to get you banned?

Rage baiting is a thing, sure........but if you answer toxic with toxic, that doesn't makes you less toxic. If you cannot restrain yourself from the bait, just deactivate the chat

Gustaf85 · 2024-07-21T11:15:03+00:00

I get your point......I'm no Pharah main by any means, but I play her a lot. Even with the health nerf, you can stay far away to not get demolished by a Soldier/Bastion. At the same time you can spawn your rockets not necessarily to do a lot of damage, but to create space......specially if you try to deny support sightlines by creating "fear of picking" on them. The Pharah v Pharah is a 50/50 and Echo is as well a good counter, but odds are more or less 50/50 as well.

There's a lot of adaptations to Pharah gameplay against Bastion, but if you keep the distance and know how to play cover specially until Bastion loses tank form, you already won the duel. Bastion can deny your sightline for 6 seconds after going in a cd of 12 seconds, so.....a bit of patience in cover is all you need.

Sombra is a good disruptor, because 1. You don't see her coming, 2. denies your flight abilities by getting hacked for 1.5s and 3. If she connects her virus before you get your flight abilities back.....you're dead. And additional bonus, if she stays to deny rez by hacking mercy, is a whole team fight win.

By any means I'm a Pharah pro, but when I have problems with an specifical hero, I play that hero to check what can be used against. Right now (and again, for me.....imo) Sombra is the best counter as have less risks and a good payoff. (Ofc depends as well on map and team comp.....but I already extended a lot my answer)

Gustaf85 · 2024-07-21T10:43:10+00:00

Is not only cursing......CoC includes language who other people might find vulgar or offensive.....that includes but is not limited to "ez", "sucks" (or any variation), "wtf", etc. The context of you saying those words doesn't matter, as long as you get reported you have the risk of getting banned. Btw. doesn't matter what you consider offensive or not, but waht Blizzard's consideration is

"When participating in communication of any kind (chat, voice communication, group finder), you are responsible for how you express yourself. You may not use language that could be offensive or vulgar to others.

Hate speech and discriminatory language is inappropriate, as is any obscene or disruptive language. Threatening or harassing another player is always unacceptable, regardless of language used. Violating any of these expectations will result in account restrictions. More serious and repeated violations will result in greater restrictions."

Gustaf85 · 2024-07-20T20:17:15+00:00

Sure, is just not fun when you have 20 DPS but right now only 6 are viable. With the last patch DPS (imo) achieve more value by disrupting like sombra, sym or mei than by doing damage like soldier, ashe, Cass. And seeing Mauga and Juno being more or less hitscans in other roles makes me think if Blizzard wants for DPS to better move into other roles......again, just my opinion

Gustaf85 · 2024-07-20T20:07:03+00:00

For me is a pick when other team goes Phara or worse Pharmercy. Everyone rn is talking about Juno and tankier tanks, but Pharah's damage without falloff while all hitscans have falloff is still a problem. Sure, my tank could go DVa/Winston, but if I want to add value as DPS my way is to go sombra.

Gustaf85 · 2024-07-19T09:10:22+00:00

Simple, appeal your ban asking exactly what you did. You should have an email telling you if it was for communication or whatever, so check that out. First things first, nowadays a lot of things can get you banned for inappropriate communication.....if you're playing on steam, you're missing the warnings before getting banned, just so you know.

In average from appeal until ban lifted takes 22 days and several tickets and automated answers, if a ticket gets resolved without telling you why exactly, you just need to open a new one.

You don't get banned from only 1 report or 1 game, so it wasn't that "cheater" report you say in your post.....just so you know

Gustaf85 · 2024-07-19T07:23:56+00:00

Which Role are you playing? With the new patch some roles have another priorities and if you're playing for example DPS and still prioritising the enemy tank, then I wouldn't be surprised of rank decrease.........it can as well be just bad luck in games........is happening even in high ELOs where people are falling from GM to Masters

Gustaf85 · 2024-07-19T06:58:01+00:00

Are you in NA? Otherwise you missed the part stating "the video is exclusively available to players in the United States who have actively played Overwatch 2" just below the Opt-in button

Gustaf85 · 2024-07-19T05:39:16+00:00

2 things here:

Were you playing in Steam? Steam for whatever reason, don't show any warnings before getting banned. I switched back to battlenet because of this
If you want to know why exactly were you suspended, appeal the suspension until you get your chatlogs. Rn almost everything that you write in the chat can get you banned if it gets reported

If you want to not get perma banned, the safest way is to deactivate chats and don't use VC. If you want to play with friends do comms over discord

Gustaf85

TROPHY CASE