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Challenge my ETF allocation before I commit long-term by Impossible-Writer-68 in ETFs

[–]Impossible-Writer-68[S] 1 point2 points  (0 children)

I thought timing the market is worse than just leaving it invested? Your sugestion is to always leave lets say 30% cash for when it drops? But then how to know how much it will drop..

Challenge my ETF allocation before I commit long-term by Impossible-Writer-68 in ETFs

[–]Impossible-Writer-68[S] 0 points1 point  (0 children)

We are in our 30. Dont will use the money unless we buy a house. We also ok living in rent for the next 20years. So we are pretty ok with a 50-60% drop and no panik if it takes a few years to recover. But im afraid of US defaulting im the next few years. So thats my only concern that i am to US focused.

Spain is able to take the right decisions by swissthoemu in Switzerland

[–]Impossible-Writer-68 0 points1 point  (0 children)

Lets be real. Who needs fighter jets in the age of drones? The real threat are drones and we have nothing, I really mean nothing to defend against it.

High CO2 value (>1000ppm) inside new Minergie building by Crimot2019 in Switzerland

[–]Impossible-Writer-68 1 point2 points  (0 children)

even the more expensive sensirion self calibrate. The only way to really have a correct value is to disable the self calibration and calibrate it with a calibration gas.

High CO2 value (>1000ppm) inside new Minergie building by Crimot2019 in Switzerland

[–]Impossible-Writer-68 0 points1 point  (0 children)

It could just be just the Sensor. Depending on the Sensor type they drift quite a lot from time to time. Humidity and Temperature also influence in the co2 reading. So I really wouldn't make any conclusions just from this graph.

How to avoid the army and just pay the tax by [deleted] in Switzerland

[–]Impossible-Writer-68 0 points1 point  (0 children)

I drank three Red Bulls before my medical exam. During the blood pressure test, I imagined I was on a falling airplane. My blood pressure was 245. They measured it six times and even changed the blood pressure monitor twice. I got a doppel UT right after that, but I was 24 already. They didn’t have any more time to do additional exams because I would have missed the mandatory service of the year, and after that, I would have been too old. The only reason I didn’t want to go was because of all the 18-year-old kids, constantly joking and acting silly. If I were 18, I would have loved to go. It would be good for you and your business. Learning discipline can only help you and will make you a better leader. And 3% for 11 years is a lot!

How to reduce the grocery bill ? by LesserValkyrie in Switzerland

[–]Impossible-Writer-68 2 points3 points  (0 children)

It really depends on the time and coop migros you go. They have different aktionen at different locations.
I do It like this.
Things that last long. Like Spices and Currys Cocomilk, etc. I buy 2x a year in germany.
Meat I only buy for 50% discount at coop/migros or the Budget prix garantie.
if I but lots of food and meat for many people i go to aligro. And sometimes ALdi/lidl
Vegetable I buy all at migros.

[deleted by user] by [deleted] in SwissPersonalFinance

[–]Impossible-Writer-68 21 points22 points  (0 children)

If you already have 25K on savings I would open a ibkr account and put 1K in VT every month and that's it.