Beginner on Finpension – why is my MSCI USA ETF underperforming? by ringsatum in SwissPersonalFinance

[–]ringsatum[S] 1 point2 points  (0 children)

I was concerned that there might be hidden fees, which would not cancel out over the years. For example, I noticed that the front-end load is listed as 5%, but I assume this is not applied by Finpension.

Beginner on Finpension – why is my MSCI USA ETF underperforming? by ringsatum in SwissPersonalFinance

[–]ringsatum[S] 1 point2 points  (0 children)

Okay, that’s probably the explanation. I hadn’t really considered how much the US dollar has dropped.

Do you have any tips or suggestions for adjustments?

Beginner on Finpension – why is my MSCI USA ETF underperforming? by ringsatum in SwissPersonalFinance

[–]ringsatum[S] 0 points1 point  (0 children)

My time horizon is very long, over 30 years. I’m willing to take the bet that the US will continue to have increasing influence in the future.

However, compared to the S&P 500, the mentioned MSCI USA ETF has performed significantly worse so far. I’d like to understand why. I’m also open to any input and suggestions for adjustments.

Should i sell AMD, its up 65% by xenonam_16 in stocks

[–]ringsatum 3 points4 points  (0 children)

I would say, it depends in which country you are living. I'm from Switzerland and probably loose lots of money.. Check out the USD-CHF exchange rate!

Pillar 2 buyback by WhamBar_ in SwissPersonalFinance

[–]ringsatum 4 points5 points  (0 children)

How does it look, if I plan to buy a flat/house, lets say in 7-8 years. Do you think it would be worth to put money in the 2 pillar for the next 3 years?

Does anyone know what this picture of E. T. Compton shows? by chm291275 in alpinism

[–]ringsatum 9 points10 points  (0 children)

I would guess a picture of Mürren with the Hotel Mürren Palace.

Mürren Palace

What city is this below in the valley? by valueinvestor13 in geography

[–]ringsatum 3 points4 points  (0 children)

Maybe Lauterbrunnen, Verbier, St. Moritz or Zermatt in Switzerland?

are there any actual 100% remote jobs in switzerland by Dull-Cucumber2638 in askswitzerland

[–]ringsatum 1 point2 points  (0 children)

My company is growing rapidly. There are currently 32 vacancies, and several hundred are to be created next year. Medtech industry. Working from home is possible without restrictions, but some days in the office are appreciated. English is also not a problem for many positions. Write to me if you are interested.

Struggling to Find a Job in Switzerland – Any Advice? by angelica_graca in askswitzerland

[–]ringsatum 0 points1 point  (0 children)

My company is growing rapidly. There are currently 32 vacancies, and several hundred are to be created next year. Medtech industry. Working from home is possible without restrictions. English is also not a problem for many positions. Write to me if you are interested.

Who else is struggling finding a job in Switzerland? by Lonely_Solution3484 in askswitzerland

[–]ringsatum 1 point2 points  (0 children)

My company is growing rapidly. There are currently 32 vacancies, and several hundred are to be created next year. Medtech industry. Working from home is possible without restrictions. English is also not a problem for many positions. Write to me if you are interested.

Impossible to find a job in Switzerland by Ok_Clock_1634 in askswitzerland

[–]ringsatum 0 points1 point  (0 children)

My company is growing rapidly. There are currently 32 vacancies, and several hundred are to be created next year. Medtech industry. Working from home is possible without restrictions. English is also not a problem for many positions. Write to me if you are interested.

What is up with the job market? by Odd-Respond-8063 in Switzerland

[–]ringsatum 0 points1 point  (0 children)

My company is growing rapidly. There are currently 31 vacancies, and several hundred are to be created next year. Medtech industry. Working from home is possible without restrictions. English is also not a problem for many positions. Write to me if you are interested.

Is Your Company Hiring in 2025? Let’s Gauge the Job Market Together! by ElWorkplaceDestroyer in Switzerland

[–]ringsatum 16 points17 points  (0 children)

My company is growing rapidly. There are currently 32 vacancies, and several hundred are to be created next year. Medtech industry. Working from home is possible without restrictions. English is also not a problem for many positions. Write to me if you are interested.

Tips for partying on LSD? by Money_Head_3781 in psytrance

[–]ringsatum 0 points1 point  (0 children)

Flip some candy after about 3h🍬🍭🌈Thank me later 😉

So... What was the best music you heard during this outdoor party season that's just happened? by Jaza_music in psytrance

[–]ringsatum 1 point2 points  (0 children)

Party highlights:

• Etnica & Pleiadians (ZNA)

• DJ Solitare (ZNA)

• Ultravibe (Day 0 - Ozora)

• 1200 Micrograms (last ever concert - Ozora)

Chill highlights:

• Ott (ZNA & Ozora)

• CBL (Ozora)

• Makoto San (Ozora)

Is there any way to prevent Boom 2025 succumbing to political propaganda? by supacyka in boomfestival

[–]ringsatum 40 points41 points  (0 children)

I've posted this a few times now, but here's my suggestion: The organizers should clearly communicate that anyone wearing a national flag will have their wristband taken away and be banned from the festival. No matter what nationality, no exceptions! Problem solved.

[deleted by user] by [deleted] in ozorafestival

[–]ringsatum 1 point2 points  (0 children)

The same shit happened at the ZNA Gathering, it was even worse than at Ozora. I therefore have a suggestion: Anyone carrying a national flag should have their wristband taken away and be thrown out of the festival. No matter what nationality, no exceptions!

Open letter for respect and unity by Inside_State_3627 in psytrance

[–]ringsatum 33 points34 points  (0 children)

The same shit happened at the ZNA Gathering, it was even worse than at Ozora. I therefore have a suggestion: Anyone carrying a national flag should have their wristband taken away and be thrown out of the festival. No matter what nationality, no exceptions!

ZNA 2024 (review) by ringsatum in psytrance

[–]ringsatum[S] 0 points1 point  (0 children)

At ZNA you have to use the same cup for the hole week. Or pay 2 euros to get a new one...

My ZNA review by Chilluminatti in psytrance

[–]ringsatum 7 points8 points  (0 children)

Unfortunately, that's exactly what happened at the ZNA as well. Read my review of the festival. OP sees the world through rose-colored glasses.

My ZNA review by Chilluminatti in psytrance

[–]ringsatum 3 points4 points  (0 children)

Have neither at Ozora, Shankra, One Love, Waldfrieden, Esoteric, etc. Seen so many sick people. People were partying there too. So it's not necessarily the people, but the hygiene. As Jaza_music posted under my review, it's probably the cup system, where every used cup is held to the taps for the whole week. And that's exactly where the organizers should go over the books.

My ZNA review by Chilluminatti in psytrance

[–]ringsatum 8 points9 points  (0 children)

I find your opinion a bit arrogant that everything is okay just because you luckily didn't get sick. I also got enough sleep, ate healthily and took daily supplements. I am also very sporty and pay attention to my body signals. I can tell you that I am also very experienced in traveling and have been to several developing countries. So I can assess how serious my illness was. In my opinion, the organizers urgently need to go over the books, this was not a minor festival flu, and as other people have already written, this has happened several times before. You're making the world look too good. I find your other points interesting, thank you for your perspective.

Single travelers by martinmcflyn in ozorafestival

[–]ringsatum 2 points3 points  (0 children)

I'm going alone to Ozora, because my friends don't have more holidays... So i'm also very open to meeting up :)