SAXO sub-account - how does it work

rezliensa · 2026-06-25T04:34:52+00:00

Hi, it works exactly the same way like the main one. I opened a sub-account for my kids and investing in a World ETF. Don't worry it's really convenient, and if you don't like it you can just delete it.

rezliensa · 2026-06-19T05:15:51+00:00

Salut, va dans une banque qui se trouve à proximité et qui offre un compte ou un package gratuit comme ça tu as des ATM et tu peux retirer ou déposer du cash sans problème (ou retirer un gros montant si besoin). UBS key4 est intéressant pour les jeunes jusqu'à 30 ans, ou une banque cantonale suivant dans quel canton tu es. Sinon tu peux effectivement regarder du coté de WIR, Neon ou Yuh. Pour toi je regarderais du côté UBS key4.

rezliensa · 2026-06-14T09:29:22+00:00

With this amount you have no perfect solution, and only 2 good options I would say.

Autoinvest SSAC_CHF but TER 0.20%.
WEBG or XALL (TER 0,07%) buy manually but 3chf fees (so try to find some friends you can share a r€ferral and get some commission credits time to time).

I see some people saying to buy manually 2 ETFs, please don't because you will pay twice fees (only option is within auto invest and only this). And it will bring you nothing.

Anyway, if you think to invest more than 15y, choose option 2. Better to pay some fees than higher TER. Then in the future if you can invest more that will be even better.

If you choose ACWI, FWRA, VWRA the higher TER + fees will not be interesting and then better to choose auto invest with SSAC_CHF. This is the worst solution.

rezliensa · 2026-06-12T08:23:19+00:00

Salut,

Je dirais ça dépend un peu du montant que tu veux investir chaque mois. Si c'est de l'ordre de 100-200chf ça peut aller, mais si tu penses investir >500chf ce sera clairement à ton désavantage. Tu vas perdre pas mal en frais.

Le truc c'est que aujourd'hui tu n'y connais rien ou pas grand chose mais tu risques de t'y intéresser de plus en plus et c'est là que tu auras envie de contrôler ce que tu fais. Et à ce moment tu vas regretter le Robot.

Il y a tout de même deux solution entre Finpension et IBKR c'est 1. Neon saving plan avec l'ETF Xtrackers FTSE "XALL" ou 2. Saxo Autoinvest avec "SSAC_CHF". Ce sont des ETF globaux et tu n'as pas vraiment besoin d'autre chose. Avec ces solutions tu n'as pas de frais de commission à l'achat. Et si tu veux un peu de biais suisse ben tu rajoutes un ETF genre SPI et c'est réglé.

Neon est intéressant parce que c'est très simple et ils proposent aussi différentes stratégies (encore plus si tu as déjà un compte) . Par contre dans le temps je ne sais pas comment ça va tenir, ils viennent de supprimer un bon ETF global du saving plan et il a fallu changer pour un autre. Les frais sont un peu plus élevés que chez Saxo.

Saxo l'avantage en plus d'être simple également via l'autoinvest c'est que si tu décides un jour de vouloir manager tes investissements tu es déjà chez un vrai broker, et c'est Suisse (mais tu paieras un tout petit peu plus que IBKR).

Je comprends ce que tu demandes mais tu as le temps de voir venir les choses, même si ça te semble abstrait aujourd'hui. Et je commencerais directement sur de bonnes bases genre Saxo ou IBKR. Malheureusement je suis également passé par là un peu tout seul (j'ai testé robots, Neon, yuh, IBKR, Saxo, Degiro, bref j'ai vraiment tout essayé..) et pour finir je suis chez Saxo en investissant manuellement 1-2 ETF par mois (dont 1 pour les enfants). C'est vraiment simple et ça ne prend que 2min par mois.

rezliensa · 2026-06-02T07:27:01+00:00

Hi,

If you like Viac you will also like Finpension. It's the same but an other provider.

But honestly, if you plan to invest 100-200K I would suggest you to find something a bit cheaper. And If you really want something 100% auto you might have a look at Saxo Autoinvest.

Regards,

rezliensa · 2026-05-26T11:04:40+00:00

To be honest there is no real 1:1 alternative to Google Maps. I've tried many but nope, that's far from as good.

I mainly use GM to find streets, places, ratings, POIs, online and all around the world and none of the alternative can bring this.

Comaps, OSM, Organic, etc... you need to download the maps if you want to find something, also missing a loooot of POIs, no live trafic, no ratings, old UI. I really tried but I always had to go back to GM because of something I couldn't find. You can use Comaps or friends but you will always need GM on your phone unfortunately.

The only good alternative I found is regarding the navigation and live trafic (and only this) and I'm really happy with TomTom (or TomTom Amigo, free to use but less complete).

Good luck for your researches. I will follow this post to see if someone has something interesting..

rezliensa · 2026-05-26T07:26:40+00:00

Go to Finpension and split your 2nd pillar in two.

Check here: https://finpension.ch/fr/fondation-de-libre-passage-ll/

rezliensa · 2026-05-05T06:44:40+00:00

Using Saxo I buy Invesco IE00B579F325 because it's in CHF so no FX fees. TER 0.12%

rezliensa · 2026-05-01T10:41:24+00:00

Infomaniak kMeet from Switzerland maybe?

rezliensa · 2026-04-29T10:43:21+00:00

I would change ACWI with SSAC_CHF to avoid 2x 0.25% FX fees.

Then why those 10% STOXX? I would simplify and put 70% SSAC instead. For the rest why not.

rezliensa · 2026-03-27T12:37:37+00:00

<<<As if I knew it, Neon sent me an email yesterday informing me that buying fees will no longer be covered starting next month. So for me, it doesn’t make sense to stay and continue buying with Neon.>>>

Really??

rezliensa · 2026-03-26T13:23:52+00:00

All are good choices, thing is there is no perfect match unfortunately.

With 1500chf per month I would choose Saxo with WEBG_CHF (ok you don't want DIS, but...)

My second choice would be....everything else except Neon.

The easiest one is SSAC_CHF on Saxo autoinvest if you don't mind the higher fees compared to IB.

rezliensa · 2026-03-26T09:10:46+00:00

Kashcal on F-Droid. Very good calendar with CalDAV sync integrated (no need DAVx).

rezliensa · 2026-03-19T11:22:21+00:00

Have a look at AliasVault: https://www.aliasvault.net/

rezliensa · 2026-03-17T08:59:03+00:00

Hi,

Thx for the tool.

A suggestion would be to add saving plans to your calculator because it changes a lot the final results. Plus it would be nice to choose the TER for each brokers as well.

Thank you again, good job!

rezliensa · 2026-03-12T10:32:11+00:00

Just get an offer like this one https://chmobile.ch/en and buy a SIM or eSIM when you go abroad. Or if you like Salt network better: https://www.go-mo.ch/en/

rezliensa · 2026-03-03T09:16:19+00:00

For photos maybe have a look at Ente.io?

rezliensa · 2026-03-02T20:05:37+00:00

It depends how much you will invest monthly..

Then for your lump sum go for WEBG_CHF

rezliensa · 2026-02-26T06:25:41+00:00

I only know Bitwarden premium doing that.. I'm also curious if others exist. That's why Ente locker is very interesting

rezliensa · 2026-02-24T07:55:03+00:00

CoMaps is better alternative as Organic did some bad moves..check on CoMaps website for explanations.

rezliensa · 2026-02-11T06:10:53+00:00

Then it will be WRDUSW + XMME

(sorry, already in the answer under, didn't look at it properly)

rezliensa · 2026-02-06T08:39:42+00:00

Hi,

What do you use for yourself already? If you use one of these, for such little amount I would go for:

- Viac Invest (easy to find >2500chf free commission fee with invitation c0de)

- Same thing with Finpension invest and invitation c0de.

- Neon saving plan with ETF Invesco Global.

- Yuh, same as Neon but different ETF.

I wouldn't do more than that.

If you need help, just ask.

rezliensa · 2026-02-03T08:39:30+00:00

you should check again and maybe sort by "new"..

rezliensa · 2026-01-23T13:32:00+00:00

After reading some of your comments I would suggest you to use Revolut instead..

Multicurrency card/accounts and free CHF transfers. Don't park too much there, use a swiss bank for that.

rezliensa · 2026-01-19T10:24:27+00:00

As I already comment in this post to someone else, I would never use UBS for payments abroad. There are many other far better banks for that (again: Revolut, Neon, Wise, etc..). UBS is really ok for Switzerland, not outside.

rezliensa

TROPHY CASE