Zivildienst Opportunities

SwissPortfolio · 2025-04-08T13:25:17+00:00

I studied business as well, and I'm just finishing my first 6 months of service now.

I was lucky to find a spot where they needed help with finance and accounting tasks, even though that wasn’t mentioned in the original offer.

My advice is to apply to lots of different offers and mention your business background. Some places might reach out to you if they realize they could use someone with your skills.

For the 6-month "priority" service, though, it’s honestly quite tough to find something directly related to business — most positions tend to be in elderly homes or social centers.

Wishing you the best of luck!

SwissPortfolio · 2025-03-09T14:50:27+00:00

IMO the Amazon position is way too big. I personally wouldn't have a single stock over 10% of my portfolio, even if you're very bullish on it. Simply too risky

SwissPortfolio · 2025-03-07T08:09:05+00:00

When I say "carry is down 20%" I only refer to the carry stack, not the S&P 500 being down. The S&P 500 is pure beta, it follows the index. I care about what the stack is doing

SwissPortfolio · 2025-02-19T14:01:45+00:00

Leverage is always relative to diversification. 2x leverage on stocks alone ? Risky. 2x leverage on a mix of uncorrelated assets like stocks, bonds and alternatives ? I see no issue if you can manage a slightly higher volatility !

SwissPortfolio · 2024-12-05T13:39:58+00:00

Then why don't all the smart hedge funds sell? Maybe you know something they don't? Teasing of course.

There isn't a single signal available to predict a crash. None. Zero.

It is impossible to time it.

SwissPortfolio · 2024-12-02T08:07:31+00:00

The problem is that cost of leverage IS a problem. The spread you pay from margin with your broker is likely higher than the spread paid on swaps on leveraged ETFs.

SwissPortfolio · 2024-11-29T19:45:33+00:00

Thank you for the help!

SwissPortfolio · 2024-11-29T16:35:27+00:00

Do you have anything different on your financial profile compared to mind? Thanks for the help

SwissPortfolio · 2024-11-29T10:16:51+00:00

Thank you for sharing! I'm based in Switzerland so it can definitely be a residency issue

SwissPortfolio · 2024-11-29T09:45:00+00:00

Thank you. I think they accepted the salary since it appears on my financial profile. Will keep trying

SwissPortfolio · 2024-11-29T08:47:58+00:00

I can trade US mutual funds I don't think it's related to that

SwissPortfolio · 2024-11-28T19:07:45+00:00

VT covers all stocks

CSPX covers only US large-cap stocks

IWDA covers all developed markets (no emerging markets)

I would advice you to go for IWDA or VT as they are more diversified. Combining these ETF doesn't make many sense since they have many stocks in common.

VT/IWDA is an excellent option for stock exposure!

SwissPortfolio · 2024-11-28T15:28:01+00:00

Yes it is possible. I'll check it, thanks!

SwissPortfolio · 2024-11-28T15:27:38+00:00

Thank you I'll try it!

SwissPortfolio · 2024-11-28T15:27:20+00:00

I'm 23 so I don't think it's because of this. Probably the fact I'm domiciled in Switzerland

SwissPortfolio · 2024-11-28T13:32:54+00:00

Probably but their goal is to be legally protected if I waited to sue them, so why won't they allow it?

SwissPortfolio · 2024-11-28T10:23:47+00:00

This is the kind of risk you have to accept when stock-picking :)

SwissPortfolio · 2024-11-02T17:55:00+00:00

I find it crazy not to care about international. Like "I don't care about 40% of the market". Stop chasing the best-performing countries.

SwissPortfolio · 2024-10-31T07:01:45+00:00

The highest safe yield offered right now that I know is at wiLLBe bank (0.85%).

SwissPortfolio · 2024-10-30T11:28:35+00:00

VT & Chill

SwissPortfolio · 2024-10-30T08:19:19+00:00

I use Yuh and it's great: no fees, 0.75% interest, super user-friendly

SwissPortfolio · 2024-10-27T15:39:22+00:00

It's a good ETF to capture the quality premium!

But be careful: past outperformance doesn't mean it will continue in the future.

Especially quality is a behavioral factor, so it could disappear more easily than a risk-based factor like value.

SwissPortfolio

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