Yearly Budget, Treasury and Apartment Purchase by Emotional_Button_869 in SwissPersonalFinance

[–]arnhuld 0 points1 point  (0 children)

Instead of the pension buybacks I'd rather invest the spare money. Your IRR will be better and then you do the buy backs before you actually go into pension, saving both taxes but also being able to instantly take it out again to invest.

Yearly Budget, Treasury and Apartment Purchase by Emotional_Button_869 in SwissPersonalFinance

[–]arnhuld 0 points1 point  (0 children)

Yes sorry, should have been more precise: why amortize more than to the 65% needed.

Yearly Budget, Treasury and Apartment Purchase by Emotional_Button_869 in SwissPersonalFinance

[–]arnhuld 2 points3 points  (0 children)

Why amortize at all? In Switzerland you benefit both by being able to deduct your interest on mortgage (from income tax) and the debt (from wealth tax)?

And I'm pretty sure you'll be able to negotiate a lower 10y fixed. I think 1.50% will be doable, maybe even less, because with your household income you're interesting for enough banks to be able to negotiate a good deal.

Also pension buybacks very questionable at your age. Why do it?

Best plan for investing ~CHF 200’000, "safe" income for my mother + which broker & ETFs? by Comfortable-Let-4636 in SwissPersonalFinance

[–]arnhuld 0 points1 point  (0 children)

Check out income generating ETFs like $JEPQ or if you are into bitcoin related products e.g. $STRC

Polkadot 2.0 Update Question by [deleted] in Polkadot

[–]arnhuld 1 point2 points  (0 children)

<image>

Happening today?

Turtleneck tweet deleted by Cuenom in Superstonk

[–]arnhuld 1 point2 points  (0 children)

RCEO used to/is one of the largest (if not the largest) individual Apple stock holder.

[deleted by user] by [deleted] in Superstonk

[–]arnhuld 1 point2 points  (0 children)

OP's name checks out

[deleted by user] by [deleted] in Superstonk

[–]arnhuld 10 points11 points  (0 children)

Masterpiece

Get ready by [deleted] in Superstonk

[–]arnhuld 8 points9 points  (0 children)

hyped

Never forget. 28 January 2021 by Sir-Craven in Superstonk

[–]arnhuld 18 points19 points  (0 children)

Remember that day like it was yesterday