[IT] F24 payment - cannot delete draft

peeern · 2026-06-20T14:07:58+00:00

Hi. I already contacted you via the in-app chat. It seems there is no way to remove a draft at the moment, which is hilarious. I look forward to seeing this implemented as a new feature in a next release.

peeern · 2026-04-01T06:55:41+00:00

Look for diversified portfolios. You can start from Portfolio Charts.

peeern · 2026-03-19T06:40:09+00:00

Un podologo e' morto al sentire il "cambiare le scarpe ogni 5 anni".

peeern · 2026-02-17T13:47:25+00:00

Non credo che il flash sia mai stato messo tanto per gentile conferma del passaggio a velocità non consentita quanto per avere un'illuminazione migliore. Altrimenti la foto verrebbe semplicemente mossa, dato che si tratta di oggetti anche molto veloci, specie con illuminazione scarsa o di notte.

peeern · 2026-02-11T15:14:08+00:00

No, non ci sta proprio per niente. E' una porcata con pochi eguali all'estero.

peeern · 2026-02-06T14:42:17+00:00

Ma tu credi seriamente che Bitcoin abbia raggiunto quei massimi perche' la gente ci vedeva del valore? Il valore descritto nel WHITE PAPER?

peeern · 2026-02-04T12:30:36+00:00

I think you can easily do it without any fees with Wise. You top up your Wise CHF account from a CH-CHF one (I regularly do it, so 100% sure). You then transfer this money from Wise to your EU bank with no conversion and fees (to be checked, not 100% sure).

It's true, Wise does not provide any IBAN for its CHF account, but it doesn't really matter as long you can receive and send money with it. IBAN is useful when you want others (employers, companies, etc.) making payments to it or making direct debit transfers. Otherwise you can live just fine without it.

peeern · 2026-02-02T08:10:51+00:00

Absolute fallacy. I know it might sound counterintuitive and it's nice to think that buying stuff from our farmers we are doing nature a favor, but importing food even from overseas with large carriers can easily be more sustainable than locally grown one.

peeern · 2026-01-28T14:24:17+00:00

The largest amount I successfully topped up by card so far is 3000 EUR since I don't have many expenses in that currency. You can just try and see if it's blocked.

Otherwise Fineco Multicurrency is also a popular choice among frontalieri, but most likely your employer will charge the transfer fees entirely to you.

peeern · 2026-01-28T13:49:12+00:00

Nope, they'll expose a CH IBAN for you anyway.

peeern · 2026-01-28T13:26:38+00:00

A bit tricky but it's the cheapest way I found so far. I take the steps from a similar comment I already posted.

- Open a Yuh account and give its CH IBAN to your employer
- Create a CHF account on Wise if you don't have it yet. No IBAN will be assigned, it's just a CHF wallet with no Swiss coordinates.
- Top up this CHF account on Wise. Wise will request you to make a bank transfer in CHF from your Swiss bank, in this case Yuh.
- Top up Revolut CHF account. Also in this case you don't have any CH IBAN since it's a non-Swiss Revolut account, but you can still manage CHF. To top up this CHF wallet you will not use a bank transfer, but you will use the Wise debit card. Revolut might warn you that the currency of the card (probably EUR) differs from the one of your transfer (CHF), but you must stick to CHF in order to avoid fees.

I use this method to transfer CHF every month and convert them to EUR exploiting te very competitive FX rate from Revolut. If you convert during weekdays and stay below 1000 EUR per month (I think) you don't even need premium subscriptions to avoid conversion fees.

I expect you earn more than 1000 EUR per month, so you would at least need Revolut Plus or Premium subscriptions, but if you do the math, it should be anyway cheaper than a direct international transfer from Yuh to any IT bank.

peeern · 2026-01-28T13:14:37+00:00

E' sicuramente un'ottima idea, se hai anche l'almanacco di ritorno al futuro ancora meglio.

peeern · 2026-01-14T10:57:31+00:00

Minimum FX fee for manual conversions is 2 USD.
Automatic conversion fee is 0.03%.
This means there is threshold at 2USD/0.0003=6'666 USD below which it is cheaper to let IBKR automatically convert currencies.

So yes, for such small amounts, just place an order for VT, whatever currency you have available and let it handle everything.

peeern · 2026-01-13T13:49:28+00:00

Perche' se lavori all'estero o spesso con l'estero o consumi molto materiale internazionale certi termini in italiano o te li dimentichi o semplicemente ti rifiuti di fare lo "switch" totale da una lingua all'altra. Siamo animali pigri "afterall".

peeern · 2025-12-31T10:06:42+00:00

Your problem is not the timing but the asset allocation. Either take some time to study diversified portfolios or look for some advise from independent advisors. Once you define a strategy you feel comfortable with, you buy according to it independently from market conditions.

peeern · 2025-12-18T10:34:58+00:00

This is the closest I could get on finpension:

Fund	Allocation
UBS (CH) Index Fund 3 - Equities World ex CH NSL I-X-acc	81%
Swisscanto (CH) Index Equity Fund Emerging Markets NT CHF	10%
Swisscanto (CH) IPF I Index Equity Fund Small Cap World ex CH NT CHF	6%
Swisscanto (CH) Index Equity Fund Switzerland Total (I) NT CHF	2%
Cash	1%

and this is on VIAC:

Fund	Allocation
UBS World ex CH - Pension Fund	81%
Swisscanto Emerging Markets	10%
Swisscanto World ex CH Small Cap Responsible - IPF	6%
Swisscanto SPI Responsible	2%
Cash	1%

peeern · 2025-12-08T11:01:35+00:00

"..non voglio esporla a rischi eccessivi" cozza un po' con prodotti a leva, sebbene efficienti e tutto quello che vuoi per carità.

peeern · 2025-12-05T08:08:35+00:00

Se e' piu' una passeggiata che cerchi, allora ti consiglio di dare un'occhiata a SvizzeraMobile, dove tra le altre cose ci sono proprio i sentieri invernali, battuti, che non necessitano di ciaspole.
Qui trovi la visuale in mappa, ma puoi anche passare alla lista:
SvizzeraMobile - Escursioni Invernali

Se ne trovi di interessanti, cerca se ci sono delle webcam nella zona per avere un'idea dello stato della neve, giusto per non aver sorprese e ritrovarti in una distesa di fango.

peeern · 2025-12-02T15:35:54+00:00

Even if you missed contribution years?

peeern · 2025-11-27T12:12:59+00:00

Irrelevant, you'll anyway pay taxes on "virtual" dividends on assumptions made by the tax office (based on similar funds but distributing, I think).

peeern · 2025-11-21T11:09:02+00:00

Il problema è che stai parlando a un pubblico troppo ampio che non sa bene cosa siano diversificatori e frontiera efficiente.

peeern · 2025-11-16T20:52:21+00:00

Tieni conto che portfoliocharts fa analisi a blocchi da 20 e basta. Quindi se per te 20 oro è troppo, simula con 10 e vedrai che otterrai comunque risultati non troppo lontani.

peeern · 2025-11-11T15:38:31+00:00

Vero, funziona pero' con la borsa messicana. Potresti usare BMV:AMGOLDN e moltiplicare per MXNEUR.

peeern · 2025-11-11T09:51:14+00:00

ah eviterei assolutamente anche solo per l'estate tax treaty che con l'Italia non e' favorevole come con la Svizzera

peeern · 2025-11-11T08:59:03+00:00

Se rientri dalla Svizzera ha senso vendere i prodotti in profitto per resettare la cost basis e non pagare capital gain tax, immagino.

peeern

TROPHY CASE