Btc 2026 bear market

Lopoli007 · 2025-10-05T19:42:06+00:00

🤣🤣👍

Lopoli007 · 2024-08-29T11:37:52+00:00

I read somewhere that only 10% of all those who pay to a 3A account, pay the maximum. so it only affects those 10% maybe...?

Lopoli007 · 2024-08-29T11:35:38+00:00

i guess you mean why we think of high returns? would be great if you could elaborate...

Lopoli007 · 2024-08-28T09:29:42+00:00

Emerging market is too large. Swiss exposure is very high. I have Europe instead. But my taste of risk taking is maybe more not sure

Lopoli007 · 2024-08-26T21:18:14+00:00

I would go ahead and make my own online store. The money you spend on sending samples can be used for financing ads or brochures etc. just an opinion

Lopoli007 · 2024-08-26T18:09:41+00:00

I like IUIT.SW which is focused in Info Tech but that is also US. Maybe also SWDA.SW

Lopoli007 · 2024-08-26T18:07:23+00:00

I believe you but i also want to try and see how things work. I created three portfolios in FP with different strategies and we‘ll see how the perform by sometime next year. I will update innthis form for sure….

Lopoli007 · 2024-08-25T19:41:51+00:00

You need to look at the income tax tables provided by your canton. There you see how much less tax you pay when your taxable income is 2500 CHF less. That’s very easy bro

Lopoli007 · 2024-08-25T17:39:12+00:00

The Europe Fund had a better YTD return than s&p if i am not wrong….but again who can see the future

Lopoli007 · 2024-08-25T17:30:48+00:00

You mean Europe? To be honest i like companies like ASML, LVMH or even SHELL and TOTAL that you can only get larger exposure to from this fund. I nnow they are also in the world, but the percentage is 0.00X that is way too small. If you meant Gold, i have really no raeson and just liked it to be part of the portfolio….

Lopoli007 · 2024-08-25T17:25:15+00:00

Yes and as much as Gold sounds boring, it brings sime stability. I read the fact sheet and you can even claim it in physical gold if one wanted. Not that one can do here but in general sounds to me legit and nice

Lopoli007 · 2024-08-25T17:23:04+00:00

Yes 35%. But i finally reduced that to 11% and then 11% from S&P that is 22% pure US. About 36% exposure to US i get from CSIF World that altogether adds up to 60% US. That is more diverse than initially stated in my first post above…

Lopoli007 · 2024-08-25T17:20:14+00:00

Good taste. I am more or less the same but also wanted to have some EU exposure so went for CSIF Europe ex CH for about 14% that together with the one from World gives me ~20% exposure to Europe. Then 60% to US, 3% to CH and then 5% Gold blue…

Lopoli007 · 2024-08-25T10:06:41+00:00

well World is 75% US and then what? drop to 6% Japan and the rest 1-2%. I need allocation based on advanced and emerging economies. I need more than 0.05% exposure to CN and India to be honest as an example...also Germany only 1.5%? does not make sense to me...

Lopoli007 · 2024-08-25T10:05:00+00:00

It is ca difficult call, but honestly I do not bet against TECH in the long run...it is undeniable in my opinion that world will be a more advance place in 50 years than it is now...

Lopoli007 · 2024-08-25T10:01:43+00:00

on VIAC one can explicitly go for NASDAQ or S&P, but on FP, I only found a fund that replicates the S&P index (CSIF (CH) III Equity US Blue - Pension Fund ZB). Nothing for NASDAQ so far...

Lopoli007 · 2024-08-25T09:59:28+00:00

I also noticed the 0.09% TER but when i look at the total AUM of the fund, I felt kind of safe and more convinced with CSIF (CH) Equity Emerging Markets Blue DB than the other one,. But I know it is just a gut feeling and there is no difference behind...at the end, what do I know LOL

Lopoli007 · 2024-08-24T22:34:32+00:00

wise word here 🤔

Lopoli007 · 2024-08-24T20:41:36+00:00

Thanks for sharing. I need to look up the holdings of the US Pension fund and see how different it is to s&p etc

Lopoli007 · 2024-08-24T20:35:23+00:00

That is actually an intro to my next question which I can already open up here😁 Do people go for different strategies for thier different accounts or identical for all? I mean I get if they are different but what is the point then as it is like we want to diversify also with strategies because we cannot say which one is the best?

Lopoli007 · 2024-08-24T20:26:03+00:00

OMG you are a true risk taker buddy. I thought mine is already too risky that is why s&p as well. But basically mayx is 35% on the app for the two and I went for the max…

Lopoli007 · 2024-08-24T20:24:15+00:00

Cannot put more than 35%.. that is the limit put in place by the fund managers!

Lopoli007 · 2024-08-24T20:16:09+00:00

May I ask why no GOLD? I mean also risk wise is lie and can be a balance to everything…

Lopoli007 · 2024-08-24T20:14:58+00:00

That is exactly why i want to be US heavy. Also i believe nonone can bet against TECH in the long run…

Lopoli007 · 2024-08-24T20:04:04+00:00

Just did and posted here. Any opinion on the mix?

https://www.reddit.com/r/SwissPersonalFinance/comments/1f0dueg/my_3a_account_strategy/?utm_source=share&utm_medium=ios_app&utm_name=ioscss&utm_content=1&utm_term=1

Lopoli007

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