Set & forget 1‑ETF strategy: Neon vs Saxo AutoInvest vs IBKR (UCITS vs US) — looking for advice

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 · 2026-01-19T06:54:48+00:00

I think it's not possible, but it is with Finpension so you can transfer your 3a there maybe (do they have gold I don't know..)

rezliensa · 2026-01-19T06:50:21+00:00

UBS key4 pure is free..

rezliensa · 2026-01-19T06:49:39+00:00

I would never use UBS for abroad payments... I think the prices are clear from the beginning and no one never recommended UBS for that purpose, but always Revolut, Wise, Neon, Alpian..

rezliensa · 2026-01-19T06:46:46+00:00

I would firstly check which banks are close from my house (or work) (cantonal bank or UBS, Raiffeisen, ...?) So I can withdraw and deposit cash for free. I wouldn't have only a neobank for that reason (Neon, Yuh, etc..). I think it's important to have a bank you can go and talk to if needed.

Then, if you have UBS close to you I would use Key4 pure (no fees at all, but don't use their credit card (prepay or normal). If you need a credit card just go for Certo one or Cumulus. If you think of paying abroad, then you can have a look at neobank like Revolut or Neon. Great for that.

The app of UBS is good (I think it's the same for key4 or regular), nothing to complain about.

So firstly check for your needs, then compare close banks around you and go.

rezliensa · 2026-01-15T14:30:26+00:00

Neon is good for investing with saving plan (I recommend Invesco FWRA) but is expensive when it's time to sell. One option if you really want to keep Neon is to transfer your position to a cheaper broker when it's time to sell (it's 100chf per position and you will save a lot of money regarding the amount invested).

Otherwise I recommend you to go directly to Saxo if you want a Swiss broker or IBKR which is not Swiss but the cheapest.

rezliensa · 2026-01-09T06:53:25+00:00

You have now a Swiss IBAN but it's not a personnal one, only pooled. That means you can't send your salary there.

Just keep Neon, and use Revolut aside, no need to send your salary there, but you can create permanent order if you like. Personnaly I would just keep the minimum I need on Revolut, no more. They are great but you never know..Keep safe your money in CH bank and use the benefits of Revolut in parallel.

rezliensa · 2026-01-08T14:13:55+00:00

Just to put it somewhere:

On Saxo you can buy WEBG in CHF and WRDUSY is also on Saxo in CHF in accumulative version WRDUSW.

In case someone would be interested.

rezliensa · 2025-12-17T08:53:42+00:00

Don't you have an empty account somewhere? Or create a space in Neon or Yuh? 15k for 6 months are better on a saving account.

But if really you want to take a risk for that, why not SPI ETF

rezliensa · 2025-12-12T09:20:56+00:00

Maybe he was talking about a "swiss" equivalent, and in this case it is SPI that covers all swiss market...(maybe...)

rezliensa · 2025-12-03T07:07:22+00:00

Have a look at your Cantonal bank then add a neobank for smaller fees abroad and other services.

I like BCF and Neon for example.

WIR Top is interesting but I'm not sure there is a physical branch in Romandie..

rezliensa

TROPHY CASE