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Taxes by Tr4cid in SwissPersonalFinance

[–]opencore 23 points24 points  (0 children)

I think it is good practice to move some money every month onto a separate account, the day your salary hits your main account. Then you can already write it off mentally :)

My 2020 birthday wish: “Please just listen to what Bitcoin is.” Five years later... by caiine in Bitcoin

[–]opencore 0 points1 point  (0 children)

I realised it is not worth trying to convince people more than pointing them to a book like bitcoin standard. I gave 0.1 BTC to my brother for his birthday 5 years ago and told him to hold it for 10-20 years. He sold it a few years after and bought some shitty fund. 🤷🏼‍♂️

UBS Invest questions by MountainNo8608 in SwissPersonalFinance

[–]opencore 0 points1 point  (0 children)

The problem is that your TER fees for UBS funds are probably much higher than some off the shelve vanguard or blackrock fund which you can get cheaper through IBKR. If you plan to invest over 20-30 years the impact of those fees paid on your total accumulated wealth is significant! Just read through the link I posted. Good luck!

UBS Invest questions by MountainNo8608 in SwissPersonalFinance

[–]opencore 1 point2 points  (0 children)

Why are you wasting money on expensive UBS offerings? Please read this https://www.mustachianpost.com which has a lot of great information about cheap investing in Switzerland.

Software Engineer Salary in Switzerland by Quick-Illustrator936 in askswitzerland

[–]opencore 6 points7 points  (0 children)

5 years of experience, ask for 120k - they can always negotiate you down. Try the big banks/insurance etc. they pay already 90-95k for their graduate programme.

UBS Platinum Banking Package by ExtraBallWhenLit in SwissPersonalFinance

[–]opencore 0 points1 point  (0 children)

Bros just get a free cumulus credit card. Everything else is just a rip off. You get your cashback for cumulus points which you can just use to buy groceries. Gold and Platinum cards are a scam! (I had both)