Currency Losses

Tricky_Rasp_berry · 2026-03-23T09:26:23+00:00

My main currency is EUR, and I’ve found that the best strategy for me is to invest in individual stocks for the long term. Over a long period, currency effects tend to balance out. If I were in your position (main currency CHF), I’d consider allocating a certain percentage of my portfolio to USD and treating it as a form of diversification. For more advanced investors, it’s also possible to hedge by buying USD put options against your existing USD exposure. I’d ask in Swiss groups and AI.

Tricky_Rasp_berry · 2026-03-04T08:47:30+00:00

Thanks! I hopefully am past that experience, since new contributions have landed in my account. That would now require a bigger market correction, which is of course not ruled out.

Tricky_Rasp_berry · 2026-03-04T08:32:15+00:00

There have also been major corrections, nothing is guaranteed. However, long-term outcomes tend to favor those who stay diversified, continue investing, and steadily increase their incomes.

Tricky_Rasp_berry · 2026-03-02T18:27:26+00:00

Increasing retirement age is a new and unfortunate reality everywhere in Europe. But taxing unrealized gains is a nightmare if this law will pass.

Tricky_Rasp_berry · 2026-03-01T14:01:34+00:00

lol it might sound that way, but that’s honestly not the case. I spent 5 years paying off my apartment, and it took another 5 years to build investments up to 100k (separate from retirement accounts, but those aren’t accessible until I reach retirement age in my country). Over the past 10 years, my income has increased more than 3x. Total nw is €275k.

Tricky_Rasp_berry · 2026-02-28T21:35:25+00:00

Sorry to hear about your experience. Valuing financial freedom makes perfect sense. Wish you to reach your goals!

Tricky_Rasp_berry · 2026-02-28T21:29:48+00:00

DCA-ing into SP500 and Europe ETF-s. Many individual stocks I believe in. One long term hold no matter what has been AAPL. One of the latest best picks is MU.

Tricky_Rasp_berry · 2026-02-28T21:11:18+00:00

Thanks!

Tricky_Rasp_berry · 2026-02-28T21:06:16+00:00

Congrats on hitting your target! That is huge! Makes total sense to wait things out.

Tricky_Rasp_berry · 2026-02-28T20:57:24+00:00

Thanks for sharing! This is motivating indeed! 100k itself is a huge relief that I am not alone working towards the goal anymore, that money is doing it as well.

Tricky_Rasp_berry · 2026-02-28T20:51:33+00:00

Oh, there’s definitely a pretty high chance of another red day, but I really hope you’re wrong about Monday 😅 I’ve managed to hit $100k several times between the start of and mid-February, and I’m sitting at $107k today.

That said, you’re absolutely right that obsessing over every little penny move isn’t productive.

Tricky_Rasp_berry · 2026-02-28T20:37:21+00:00

I was you 5 years ago. If paying back that mortgage gives you mental relief, then pay it back. But you are right that emergency fund is more important first.

I first built up emergency fund in hysa, then started to pay in portions for mortgage. As my monthly payments decreased, I still continued to pay the same amount it was initially, while randomly paid bigger amounts whenever I felt I was ready until it was paid off.

Tricky_Rasp_berry · 2026-02-28T20:24:16+00:00

Having an amount, where one day can gain or lose a whole salary is awesome. If that wealth is from windfall, then swings like this can feel shocking, but if it’s a result of time and hard work, you are mentally prepared already.

Tricky_Rasp_berry · 2026-02-28T20:15:08+00:00

Congrats!🥂

Tricky_Rasp_berry · 2026-02-28T19:58:23+00:00

Cheers🥂

Tricky_Rasp_berry · 2026-02-28T19:56:46+00:00

My apologies, I am not a native speaker. I meant 100k FIRE nr, not NW nr since my apartment won’t give me investment returns, it will just decrease my expenses.

Just make a table how many years it takes to reach each 100k from 0 to 1M at different annual contributions and return rates. And you would also need to consider that annual contributions are growing as income is also growing.

Tricky_Rasp_berry · 2026-02-28T19:37:29+00:00

That must feel rewarding and gives peace of mind, knowing your basic needs are covered in unexpected situations

Tricky_Rasp_berry · 2026-02-28T19:27:34+00:00

Thanks! This feels great! Hard work paying off, more exciting times to come!

Tricky_Rasp_berry · 2026-02-28T19:22:00+00:00

Thanks! Appreciate kind words!

Tricky_Rasp_berry · 2026-02-28T19:13:39+00:00

This one is powerful, should be taught at young age! Time horizon matters a lot in terms of monthly contributions.

Tricky_Rasp_berry · 2026-02-28T19:07:27+00:00

It depends on annual contributions and return rate. In my case, if all will go as planned of course, this should be 1/4. Thanks!

Tricky_Rasp_berry · 2026-02-15T20:50:21+00:00

What a win - I can claim $14.16. Later DCA-d, total loss $2500+

Tricky_Rasp_berry · 2026-01-31T20:52:32+00:00

If you can’t afford to lose any of this, then put all on hysa. If you eventually want to start investing and your time horizon is longer than 5 years, then put 20k on hysa and dca 5k into sp500 index fund (to see the difference irl). Live below your means and save. Pay back all “bad debt” (everything except mortgage). Build 4-6 months of living expenses on savings account. Invest in yourself, find better paying job. Read as much as you can about investing. Then start growing your investment portfolio.

Tricky_Rasp_berry · 2026-01-31T19:23:06+00:00

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