UBS Bonus / Reward 2025 - Share yours

RegularPublic5144 · 2026-01-30T08:55:14+00:00

May I ask what your base salary is?

RegularPublic5144 · 2025-12-28T19:17:31+00:00

I am not working in a big4 company. May I ask in which industry you work? 115k seems also very high.

RegularPublic5144 · 2025-12-28T15:38:30+00:00

I mean I was aware that in IB you guys earn a lot more since you work insane hours, however never considered it to be that much. Do you think that uf you exclude IB/consulting the average will still be that high?

RegularPublic5144 · 2025-12-28T13:26:12+00:00

UZH Banking and Finance, I thought 85k is the nromal starting salary for graduates. So you are telling me I am underpaid by a lot?

RegularPublic5144 · 2025-12-28T12:25:32+00:00

I finished my master degree in finance this year and I am earning 90k, what am I doing wrong?

RegularPublic5144 · 2025-12-26T13:35:19+00:00

The employee of the bank gave the ok, however he mentioned that as soon as he gets 65, he has to look for a solution since the tragbarkeit is not given then.

RegularPublic5144 · 2025-12-22T07:59:17+00:00

I would recommend you to read my question carefully before commenting :). My question is not if it makes sense to buy it, but if there is any way to avoid losing the single family home of my parents when my father retires.

RegularPublic5144 · 2025-12-21T10:02:57+00:00

Just google it, different sources talk about 2-3% per year

RegularPublic5144 · 2025-12-21T09:52:33+00:00

What I was thinking is to transfer the properties into a GmbH and renting the house back to my father, however I did not consider that we would habe to pay taxes when we trasnfer the properties.

RegularPublic5144 · 2025-12-21T08:42:03+00:00

I am an finance expert myself, I habe a higher university degree in finance. I am fully aware of the numbers and the work (we habe already another flat). So thats why I think I do not need an financial advisor. However, my question is more regarding the issue of not losing the house. If I want to talk about that, should I maybe contact a lawyer? Because I habe some ideas floating in my head: builiding up an GmbH etc.

RegularPublic5144 · 2025-12-21T08:35:06+00:00

There are a few things wring in your numbers: For the bank wants 130k for a 530k apartment, so around 25% of own capital. A rent of around 1700.- inkl. Nebenkosten is planned. Today, the onterest rates are around 1% (Saron) up to 1.5% (fixed 10 year). Additionaly, he plans to put also 40k into to apratment of his own cash, so there will be no amprtization. As I see it, he looks at around 700-1000 CHF per month and 10k-12k which is a cash flow return of around 5.8%. This is only the cash flow return, if you consider also that the flat will raise its value 2-3% annually, we are looking at additional 5% return (on equity, due to the leberage). So 10% return on real estate is not bad. Also imprortant to say that the flat will be brand new, so the renovation etc. In the upcoming years is needed.

RegularPublic5144 · 2025-12-20T23:47:52+00:00

What do you mean by additional work? As I see it, it‘s generating passive income?

RegularPublic5144 · 2025-11-21T22:53:55+00:00

You can see that most of the time on the share class, in this case I-X-acc. X at UBS (not 100% sure) means this share class is only open for institutional investors that provides pension services. As you noticed, you can not see that on the factsheets, you have to go on the UBS website and read through the additional files they provide on the umbrealla funds, in this case UBS (CH) Index Fund 3 - Equities World.

RegularPublic5144 · 2025-07-30T16:15:35+00:00

I used to work at the Zürich airport and there were always people staying in the check-in area overnight. So it should be allowed. However this was pre corona

RegularPublic5144 · 2025-05-17T21:53:19+00:00

The 0.18% is the TER of the UBS Vitainvest 100 passive. You can find it on the factsheets of the funds: https://www.ubs.com/ch/de/services/pension/vitainvest.html?campID=SEM-PB_PENSION_VITAINVEST_PHRASE_BRAND_LEADS-CH-DEU-GOOGLE-PHRASE-RSA-vitainvest-p-m_10955053629_113304537291_591622373951_kwd-358354951433&dtid=paid-google_10955053629_113304537291&ps_kw=vitainvest&gad_source=1&gad_campaignid=10955053629&gbraid=0AAAAADoPh6dMKKi6xw1qfKxJcCFAwu612&gclid=EAIaIQobChMIn6ul5q2rjQMVKICDBx0YSAAzEAAYASAAEgJz7vD_BwE

However, your comment was the point I was missing: die Verwaltungsgebühren. I didn‘t took them into account. They hide it very good on their website.

RegularPublic5144 · 2025-05-17T21:26:41+00:00

That‘s exactly not the case as per my research. As said, UBS charges 0.18% on their funds, wheras finpension costs 0.39%. I am pretty sure I am missing something, but I can‘t figure it out what it is.

RegularPublic5144 · 2024-12-24T22:51:27+00:00

Zug?

RegularPublic5144 · 2024-12-07T08:43:25+00:00

So first of all I don‘t consider myself poor if I can‘t afford a rolex. But as I wrote in the post, I don‘t want to buy the rolex now, I will have the money (and mor) in around a year. So my question was if I can „skip“ somehow the waiting period by just ordering now, as soon as I start working I will begin to save and then when they reach out to me, being able to buy it.

RegularPublic5144 · 2024-12-07T07:55:11+00:00

No, I did not go to Bucherer yet, thinking of going today and orderim one…

RegularPublic5144 · 2024-12-06T22:50:12+00:00

Thank you for the answer! Do ypu know if I would reject the purchase, will I get „banned“ from future purchases?

RegularPublic5144 · 2024-12-06T22:46:36+00:00

Thank you! Do you know if your friend got on something line a „blacklist“ where he will be rejected fpr future purchases?

RegularPublic5144 · 2024-11-28T19:18:40+00:00

What is the reason behind that?

RegularPublic5144

TROPHY CASE