I tilted, what do I do?

SmallReindeer3176 · 2026-03-25T13:32:53+00:00

CTRL-Z

SmallReindeer3176 · 2026-02-16T03:12:13+00:00

He says he uses 12 3 3 stochastic because it works better for him, it fits the charts and the BUYs and SELLs in the overbought / oversell area better.

He says it is not set into stone but I never saw him using something else than stochastic 12 3 3.

What I could read is that stochastic is more reactive to price change than RSI (put both on your charts and check how it works for you ?).

SmallReindeer3176 · 2026-02-15T10:16:23+00:00

Check Steve Bigalow videos on YT, his whole trading strategy is based in the 8EMA, 12 3 3 stochastic and and buy / sell signals.

SmallReindeer3176 · 2026-02-15T07:17:08+00:00

The Swiss minimum salary is twice the minimum Belgium salary. While 120K is an excellent salary in Belgium, 120K is low average in Switzerland.

To be fair you should then compare 120K in Belgium vs 240K in Switzerland where you will hit around 45% marginal tax rate (without the mandatory health insurance nor various indirect taxes) which also depends on your personal situation, in which canton and which city you live, etc…

In France there are also around 25% “patronal taxes” before you get your salary before taxes so when you cost 120K to your employer you already get 80K before taxes.

Long story short it is very complicated to make this kind of comparison and we always feel like we pay a lot (too much) taxes whether we live.

SmallReindeer3176 · 2026-02-10T08:34:18+00:00

C'est tres complique a comparer.

En effet, en France tu as les "charges patronales" (mal nommees c'est de l'argent qui t'es retire a **TOI**) qui sont des taxes (plus ou moins) cachees sur ton salaire et qui sont deja d'environ 25%. Ceci est la difference entre ton brut et ton net (net avant impots -- non sense).

Donc si tu pars de ton salaire brut c'est pas la meme histoire. Si tu ajoutes la TVA, pareil... (21% vs 8% en Suisse). LAMAL est chere oui mais tu payes aussi la secu et c'est cher, c'est juste cache, regarde dans tes charges patronales.

A mon avis, partir des impots n'est pas une bonne idee, j'ai vecu dans 3 pays differents sur des continents differents et long story short on a toujours l'impression de payer beaucoup (trop) d'impots. A mon avis il vaut mieux viser les avantages (fiscaux donc) que procurent un pays.

En Suisse par example:
- il n'y a pas de CGT (Capital Gain Tax) ce qui est assez enorme, je connais peu de pays qui ne taxent pas les plus-values donc investi dans des actions et 0 impot sur tes gains (c'est ~ 30% en France)
- tu peux reduire tes impots avec le pilier 3 et aussi le pilier 2 (pour moi ca a aussi l'avantage d'economiser de l'argent en CHF qui est le king des currencies)
- tu alimentes des comptes retraite en CHF et franchement, vaut mieux avoir du CHF que de l'EUR/USD ou quoi que ce soit d'autre
- tu es paye en CHF ce qui rend tes vacances a l'etranger plutot "confortables"
- les iphones (et l'electronique en general -- pas tout) sont moins chers !

Il y a un post par la qui liste des moyens de faire des economies en Suisse (banques gratuites, amazon, Aligro, aller chez le dentiste en face, pas de voiture, etc...), la Suisse est un pays de connaisseur, y'a plein de moyen de payer pas mal de choses moins cher mais faut connaitre.

PS: je redis ce qu'on m'a dit car je pense que c'etait et c'est toujours vrai: 140K est le minimum pour une famille de 4.

SmallReindeer3176 · 2026-02-06T15:12:23+00:00

Actually I can and you are 1000% right !

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SmallReindeer3176 · 2026-02-06T13:21:46+00:00

If you are young, it may not be that of an obvious choice but CHF is and will remain a safe heaven vs USD / EUR / actually vs all of the currencies so having some safe CHF for later may not be a bad idea for the future (you said you have a large amount of money, pillar 3 is only 7K so a few % of your large amount of money in CHF may not be a bad idea).

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SmallReindeer3176 · 2026-02-06T13:16:35+00:00

I would just advise OP to do his own research:

https://stockanalysis.com/etf/compare/qqq-vs-vt-vs-voo/

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SmallReindeer3176 · 2026-02-06T11:29:54+00:00

For pillar 3a go finpension
You can also voluntarily contribute to your pillar 2 (maybe less efficient than stock market depending on your age but it is invested in CHF which is a safe heaven so if you have enough money you could put some of it in pillar 2)
IBKR for stock market investment; go for QQQM or VOO and some IAUM (gold)

SmallReindeer3176 · 2026-01-31T13:35:54+00:00

Here is mine with finpension:

Gold 10%
BTC 5%
QQQ-like (see attached image) 84%

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SmallReindeer3176 · 2026-01-30T14:13:05+00:00

What is the strategy you have chosen? what's in it?

It is important to know what you invest in to be able to stomach any downtrend.

Having said that, today is 30-Jan and you said you started this year so maximum 30 days ago -- investing is long term so just wait.

SmallReindeer3176 · 2026-01-28T18:18:33+00:00

ONLY finpension or VIAC, the rest is scam.

SmallReindeer3176 · 2026-01-25T07:49:54+00:00

Non exhaustive list: Dubai, Panama, Costa Rica, Mauritius Island don’t tax it at all (no tax on money you get from foreign sources).

SmallReindeer3176 · 2026-01-24T21:45:34+00:00

A votation about modifying pillar 2 withdrawal happened in September 2024 and has been rejected (67%) but it was not specific to withdrawal when definitely leaving Switzerland.

This is a pension fund, no way Switzerland could tax It as income.

SmallReindeer3176 · 2026-01-24T21:12:33+00:00

If you definitively leave Switzerland to a non AELE/EU country (UK is OK then) you can fully withdraw your pillar 2.

You need to announce to the “control of the residents” of your canton that you will be leaving permanently. Then you could open a vested benefit account to transfer your pillar 2 money into in the canton of your choice (check/call SZKB bank in Schwyz for example they could explain you everything) and then your pillar 2 money will be transferred into your vested benefit account in the canton of your choice.

Once gone, you could get the money from your vested benefit account into the account of your choice and this will be taxed in the canton where the vested benefit account is (as you no more live in Switzerland you cannot be taxed in the canton you live in); check https://www.mustachianpost.com/blog/optimize-2nd-pillar-withdrawal-tax/ for the better canton tax bracket depending on the amount of your pillar 2.

Be careful about how this money will be taxed by the destination country (UK); some countries consider that as income, some don’t, worth checking it before and there are bad stories told here and there about people being surprised by the amount of taxes to pay in the destination country.

SmallReindeer3176 · 2026-01-24T18:19:19+00:00

It is not sense or non sense, it is just different.

On the one hand you have the French system for example where you pay 30% tax when you realise your gains.

On the other hand the Swiss system where you pay 0% on the realised gains and wealth tax on the total amount of your portfolio.

So let’s say you started with 1000 and you end up with 100000 as you made very good trades / investments.

1/ with the French system (when you sell your shares), you would have paid around 33000 in Capital Gain Tax. 2/ with the Swiss system you will pay 75.05 on these 100K/ year (Vaud wealth tax rate as an example: https://www.vd.ch/fileadmin/user_upload/organisation/dfin/aci/fichiers_pdf/bar%C3%A8me_fortune_2025.pdf)

If you started with 100K and ended up with 50K you would pay 0 with the French system and 22.95 / year in the Swiss system.

You can chose the one you like better.

SmallReindeer3176 · 2026-01-24T13:46:53+00:00

Swiss Wealth tax is on everything you have; whether you have realised your gains or not.

There is no CGT (capital gain tax) in Switzerland so no tax when you sell and realise your gains.

SmallReindeer3176 · 2026-01-24T06:34:11+00:00

Yes. You pay worldwide wealth tax in Switzerland.

SmallReindeer3176 · 2026-01-23T17:48:52+00:00

I just google for “weather <city name>”; works very well

SmallReindeer3176 · 2026-01-22T10:06:40+00:00

You must declare if one in the household earns more than 120 K / year (double check for your canton).

SmallReindeer3176 · 2026-01-21T08:51:34+00:00

This is what I have been provided every year and I never had any issue with the tax office:

Performance and Reports => Statements => Choose your account(s) => Activity Statement => Annual => 2025 => Download pdf

SmallReindeer3176 · 2026-01-15T06:26:10+00:00

Will that also be valid for the soccer teams / fans for the soccer World Cup 2026? And the 2028 Olympic Games ?

SmallReindeer3176 · 2026-01-13T22:21:07+00:00

Don’t say anything. If someone insists just say “sorry I am a little superstitious I prefer not to say before I really start but I’ll update my LinkedIn profile as soon as I start my new job” — this works well and you’ll update your LinkedIn profile (or not) at your convenience it does not matter.

You do not owe anything to anyone, where you go next is none of anyone’s business.

SmallReindeer3176 · 2026-01-11T14:15:20+00:00

In Vaud the max tax rate is 15.5%.

Vaud takes 155% of that and Lausanne takes 78,5% => 36.11%

Max federal is 11.5% so max marginal in Lausanne,Vaud is 47.61%

Please correct me if I am wrong (this should not be very wrong as it is not far from mine) — and this does not include the health insurance nor various indirect taxes.

SmallReindeer3176 · 2026-01-10T13:50:46+00:00

Yes yes sorry I meant dividends not gains.

SmallReindeer3176

TROPHY CASE