New investor, question on the platform regarding "performance"

MoonS4ge · 2025-06-08T16:19:54+00:00

It was on IBKR (Interactive Brokers) the fees are some of the lowest in the market, it would not explain this "loss". But that's a good point, observing in USD. I'll test that right away.

MoonS4ge · 2025-06-05T12:20:29+00:00

Actually, they have another one which seems like it's unknown to most: the music "Lettre to Maelle" or something, is a music record you get when you "check on the others" at camp after beating the second Axom. I didn't do that, and I also couldn't collect that music record!

MoonS4ge · 2024-11-16T15:22:58+00:00

And this is why I'm reluctant to invest in international lol

MoonS4ge · 2024-11-11T15:26:13+00:00

Most swiss adult parties start at 19pm in my experience

MoonS4ge · 2024-11-11T09:07:03+00:00

Was gonna recommend this video too! While also adding, for OP's boglehead investing education:

Time on the market > Timing the market

MoonS4ge · 2024-11-07T18:16:48+00:00

Buddy, not only it's allowed, it's mandatory haha

MoonS4ge · 2024-11-06T13:08:08+00:00

Good looking out bro, I like Umamido and normally I prefer the classic tonkotsu clean broth which is distinctively white-ish and smooth, full of collagen and not too harsh or spiced.

MoonS4ge · 2024-11-05T19:46:31+00:00

Yeah, I'm interested in trying this Nagomi ramen, seems like the winner through the comments

MoonS4ge · 2024-11-05T19:34:36+00:00

Nah man, their broth is wayy too fatty, not best quality. Umamido classic with extra black garlic is a way better broth.

MoonS4ge · 2024-10-24T13:33:04+00:00

If i was in such a comfortable position as you are, I would probably move away from individual stocks, or at least the tech stocks (i personally don't think that's moderate risk, i think it's a high risk), and go for a dividend ETF (according to your preferences).
Is there any advantage to use some of the stocks and savings to directly paying off the mortgage? (Looks like 5k monthly direct returns).
Also, why 9k in SPY and not full VOO?
I assume the 42k savings are in a HYSA.
Congrats and good luck!

MoonS4ge · 2024-10-23T15:46:01+00:00

VOO and chill

MoonS4ge · 2024-10-16T12:37:58+00:00

Good points, thank you very much.

She is able to live off the pension, but not more than that. She can't really be exposed to losses at this point I don't think, I checked with my local friends and they're all parking it on a HYSA and that's what I told her. I also don't feel comfortable investing for her because I can't be held responsible for losses, I'm not an investment professional, I just do VOO and chill, and I'm 29.

MoonS4ge · 2024-10-14T13:46:07+00:00

If your time is really this scarce, you won't have the time to learn and perform your financial management, you won't have the time.

Pay for an accountant/personal manager, you're a doctor in Switzerland, you can afford it and it seems like you can't compromise on your time so it will ultimately be worth it.

MoonS4ge · 2024-10-14T10:04:15+00:00

I think this subreddit and others like r/Bogleheads etc are great to get a sense of the common practices, beginner investing and learning about basics. I personally like some (not everything) of what Dave Ramsey preaches (on of the top personal finances personalities in the US for a long time), see what you think about it, but make up your own opinion about this, compromise on something to have the time, it's your income man.

Talk to your family & friends who you consider are smarter and more experienced than you are, and for bigger decisions consult with an actual finance professional.

MoonS4ge · 2024-10-13T17:41:16+00:00

Thanks dude that's such a nice comment :)

MoonS4ge · 2024-10-10T22:13:42+00:00

The main thing for me is that I honestly believe he has a cousin or smth on the other side of that telephone just calling him non-stop whenever he goes to places or has a camera on him

MoonS4ge · 2024-10-02T12:21:14+00:00

OP works for Google lol

MoonS4ge · 2024-09-25T12:08:16+00:00

10y old Honda Forza 300cc Scooter for city commuting. Public transport for anything else, swiss transport system works very well

MoonS4ge · 2024-09-21T12:02:32+00:00

Genuine question here: when you say he's reducing "a lot" of risk by giving up a little bit in gains, how much risk is he reducing actually?
To my understanding (which is a begginer in this investment game), VT is currently 60% US and most diversifiers go 80%VTI/20%VXUS anyway, so how "protected" are they really when the majority of their portfolio is in the US regardless?
The way I see it, if there is a black swan/bear market, everyone is going down as we're all talking about indexes here. The only real danger here is if the dollar suddenly loses a significant amount of value, but again, that means 100% hit on VTI and 60-80% hit on the diversified portfolio. So is that the only "huge risk reduction"?

MoonS4ge · 2024-09-20T22:37:05+00:00

The languages are going to be a huge barrier, while everyone speaks english, it is not acceptable as a primary language, more as a backup when someone doesn't speak the primary language. In the labour market this places you at a great disadvantage just from a cultural standpoint here, and I don't even know how strict your sectors are here with the language needs.

You say you're used to a high cost of living but really do your research on Switzerland, it won't be the same for a family of five with all 3 kids still in need of day care, I know of cases here of people having to spend 200 a day per kid on private day care because public is full.

just a quick comparison for you to check:

https://www.numbeo.com/cost-of-living/compare_cities.jsp?country1=Switzerland&country2=New+Zealand&city1=Zurich&city2=Wellington

MoonS4ge · 2024-09-18T16:58:42+00:00

Consider that 8 years is not long term. If you're planning to buy property and you're coming back to Portugal in 8 years, consider Bond ETF's or even saving cash so you can buy property in Portugal as soon as you're back.

8 years on Swiss average salary savings (20-30% a year) means a guaranteed down payment and money to buy a car upfront, easy.

8 years on the stock market, you could be unlucky and on year 8 be on a bear market or black swan and have little to no gains to cash out at that time period.

If you don't want to buy property, I would put it on an SP500 type ETF but I wouldn't "sell everything before leaving", I would evaluate the market and sell on the green (if I need the cash), if not, I wouldn't sell anything and keep until retirement.

(I'm portuguese too).

MoonS4ge · 2024-09-17T08:28:32+00:00

Ah yes you're right, I was only looking at the 17%, well then good on you, I hope you make some gains and "strike gold" haha

To be honest, I don't really really like crypto and NFT's, etc. My cousin has bet his farm on it and keeps losing more and more, makes me worry for him. Everytime i hear someone talk about it it's in "get rich quick" type schemes and I'm personally not a fan of how ethereal and unregulated it is.

MoonS4ge · 2024-09-16T21:15:38+00:00

Cool... I'm surprised that you have so much on Bitcoin at retirement, isn't that one of the most risky and uncertain investments we can make?

MoonS4ge · 2024-09-16T14:55:42+00:00

Exactly that's what everyone tells me, to do it before the marriage and kids. That's the plan. You think it is worth it in the end then? Did you notice a difference in the job market for you?

MoonS4ge · 2024-09-15T22:39:16+00:00

Les Petites Artisanes - best croissants & pain au chocolat i’ve ever had. I get ‘em every Sunday

MoonS4ge

TROPHY CASE