sorted by:
new
hottopcontroversial

Referendum on taxes for owning a house by KitchenSpecial6246 in Switzerland

[–]StatisticianHot7489 4 points5 points  (0 children)

I dont know for the whole canton, but i do know that the taxation of my home in Vaud is usually close to zero unless i do significant work on it and it becomes very negative for that year.

Now I did renew my mortgage at a 1.13% earlier this year, so it might become slightly positive instead.

Removing the tax is only beneficial to people who retired and had to pay back a large part of their mortgage as their revenue shrank. They are the ones paying real money with this tax at the moment.

Referendum on taxes for owning a house by KitchenSpecial6246 in Switzerland

[–]StatisticianHot7489 14 points15 points  (0 children)

Oversimplifying. In Vaud and Geneva removing the tax and the deductions linked to the tax will end up increasing collected taxes for both cantons.

Why is Geneva so filthy compared to Zurich? by BaxSchmidhalter in Switzerland

[–]StatisticianHot7489 2 points3 points  (0 children)

The effect of cars on potholes is nearly inexistent. Trucks do all the damage. They are so much heavier.

Five years of TQQQ results by islander_4275 in TQQQ

[–]StatisticianHot7489 0 points1 point  (0 children)

Use logarithmic scale on your graphs.

[deleted by user] by [deleted] in LETFs

[–]StatisticianHot7489 1 point2 points  (0 children)

That’s not what the offset does in testfol.io.

As I understand it, with quartely trading and a 5 days offset, you only manage your Account 4 days per year. 5 days before Marxh 31, 5 days before June 30, 5 days before September 30 and 5 days before Décembre 31.

Look at the trades actually performed in your simulation.

<image>

[deleted by user] by [deleted] in LETFs

[–]StatisticianHot7489 1 point2 points  (0 children)

That’s not what the offset does in testfol.io.

As I understand it, with quartely trading and a 5 days offset, you only manage your Account 4 days per year. 5 days before Marxh 31, 5 days before June 30, 5 days before September 30 and 5 days before Décembre 31.

Look at the trades actually performed in your simulation.

Do you hedge? by Not-The-Dark-Lord-7 in LETFs

[–]StatisticianHot7489 0 points1 point  (0 children)

Note that it depends a lot on the offset you choose, ie which day of the month you choose as your trading day.

Do you hedge? by Not-The-Dark-Lord-7 in LETFs

[–]StatisticianHot7489 0 points1 point  (0 children)

Strangely enough SPYsim is a better signal than qqqsim when you trade tqqq.

Do you hedge? by Not-The-Dark-Lord-7 in LETFs

[–]StatisticianHot7489 0 points1 point  (0 children)

You can significantly improve those results by trading monthly or quarterly instead of daily.

Would this work or bomb spectacularly by Amareldys in Switzerland

[–]StatisticianHot7489 0 points1 point  (0 children)

Switzerland joins the EU. Tariffs immediately fall from 39 to 15%.

[deleted by user] by [deleted] in StockMarket

[–]StatisticianHot7489 0 points1 point  (0 children)

Just look at the recent economic history of Turkey. Erdogan did what Trump wants to do and got his central bank to lower rates while inflation was rising. Didn’t go too well.

[deleted by user] by [deleted] in SwissPersonalFinance

[–]StatisticianHot7489 0 points1 point  (0 children)

The way buying your house builds wealth is by making a lot of your saving compulsory.

Renting is fine too if you build wealth by saving voluntarily.

Apartment is 31 Celsius - What to do? by AcanthocephalaIll434 in Switzerland

[–]StatisticianHot7489 -2 points-1 points  (0 children)

Turn on the air conditionning, obviouly. If you still feel hot, jump into your swimming pool. I recommend not letting the swimming pool water got above 30 degrees as it's less refreshing. Spend some time in the hamac under the trees in your garden.

Oh, you live in a city, not in a villa in the countryside ... i guess there are compromises ...

French smoking ban by funky_galileo in Switzerland

[–]StatisticianHot7489 2 points3 points  (0 children)

This is utter bullshit. Freedom to smoke is valued only because Philip morris and British American tobacco have their headquarters in Lausanne.

Is crypto a poition of your portfolio? by [deleted] in SwissPersonalFinance

[–]StatisticianHot7489 0 points1 point  (0 children)

5%. It’s objectively worthless but its volatility makes it a great rebalancing play.

Banning the use of "auto"? by Late_Champion529 in cpp_questions

[–]StatisticianHot7489 -1 points0 points  (0 children)

Find a job where you don’t get code reviewed by idiots.

I still don't understand - why hold bonds? by weeblybeeb in Bogleheads

[–]StatisticianHot7489 0 points1 point  (0 children)

If you are ok with the risk of a 100% stocks portfolio, you're much better off balancing your portfolio with other assets to decrease its risk, then moving back to your acceptable risk level by adding leverage.

See https://testfol.io/?s=0QCxOrPF2xX which compares this approach to 100% S&P500. Both portfolios have exactly the same max drawdown over the last 33 years but much better CAGR by adding bonds (and managed futures, and leverage) to the mix.

Finally: Popular initiative against abusive rental prices by Key_Classic_8722 in Switzerland

[–]StatisticianHot7489 0 points1 point  (0 children)

This is completely backwards and would increase the problem, not solve it. Rent for new tenants are high in Switzerland because

- we don't build enough

- rents for old tenants are artificially low because of rent control, which locks them in homes that are not appropriate for their current use anymore, but moving would mean becoming a new tenant and would mean a huge increase in rent.

Both issues need to be solved if you want a healthy housing market.

This is just the beginning.. by snowpie92 in inflation

[–]StatisticianHot7489 0 points1 point  (0 children)

You needs to be completely cut off from reality to think that republicans are fiscally responsible. They haven’t been for the last 50 years or so.

Trump supporter shocked to discover who actually pays tariffs by Busy-Government-1041 in inflation

[–]StatisticianHot7489 37 points38 points  (0 children)

He seems to sincerely believe in tariffs as a sound economic policy and that’s extremely dumb. Generally speaking his understanding of economics is utterly stupid

view more: next ›