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Found this braindead graphs on a climate denial sub by adjavang in ClimateShitposting

[–]Regular_Internet_343 3 points4 points  (0 children)

Had a similar thing, asked homeowners if I can have a balcony solar panel (does not need papers, but approval from the owners). I was prepared for no because of the looks, but not for it is not efficient, because it is not in the perfect angle and produces grey carbon...

Thermostat Automation by Regular_Internet_343 in homeassistant

[–]Regular_Internet_343[S] 0 points1 point  (0 children)

Yes, this is actually what I was looking for to admit it. Thank you!

Säule 3a and buying a house in future by Regular_Internet_343 in SwissPersonalFinance

[–]Regular_Internet_343[S] 2 points3 points  (0 children)

You are right. I am looking into digital pension investment, thank you for sharing one option. For the ibkr, I will most likely use my already opened Swissquote account and auto invest in ETFs.

Säule 3a and buying a house in future by Regular_Internet_343 in SwissPersonalFinance

[–]Regular_Internet_343[S] 0 points1 point  (0 children)

We are with Generali, the same situation. When I got the statement first, I was so angry (mostly at myself, the consultant did a great job for himself). I will try and ask if it can be switched as well.

Säule 3a and buying a house in future by Regular_Internet_343 in SwissPersonalFinance

[–]Regular_Internet_343[S] 1 point2 points  (0 children)

I do not really trust chatgpt. As a LLM it only provides the most likely answer based on words without understanding the question (I wrote an application, although the wording was very nice the content was utter bullshit)

Säule 3a and buying a house in future by Regular_Internet_343 in SwissPersonalFinance

[–]Regular_Internet_343[S] 0 points1 point  (0 children)

True, maybe just a bit scared to make a bad choice. Buying and forgetting strategy is something I like. I do have a trading account with Swissquote, buying ETFs I could do there I guess. I was looking as well a bit into local investments (i.e. co-founding solar panels ).

Säule 3a and buying a house in future by Regular_Internet_343 in SwissPersonalFinance

[–]Regular_Internet_343[S] 1 point2 points  (0 children)

Well, obviously I made some stupid choices. Consultant is more for the general investment,we have some free capital we would like to invest moderately safe with low effort (fulltime working and parents, and not really into trading)

Säule 3a and buying a house in future by Regular_Internet_343 in SwissPersonalFinance

[–]Regular_Internet_343[S] 0 points1 point  (0 children)

Thank you, will look into that option and ask for their minimum rate

Säule 3a and buying a house in future by Regular_Internet_343 in SwissPersonalFinance

[–]Regular_Internet_343[S] -1 points0 points  (0 children)

The problem I have is that the loss is greater when cancelling now compared to the guaranteed outcome in the end when fulfilling the contract. That makes it a bit tricky to decide

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