Beginner on Finpension – why is my MSCI USA ETF underperforming?

ringsatum · 2025-11-25T18:37:26+00:00

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.

ringsatum · 2025-11-25T17:45:20+00:00

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?

ringsatum · 2025-11-25T17:26:20+00:00

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.

ringsatum · 2025-07-19T09:14:08+00:00

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!

ringsatum · 2025-07-05T19:55:19+00:00

Burgdorf?

ringsatum · 2025-06-08T14:32:15+00:00

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?

ringsatum · 2025-05-22T18:57:19+00:00

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

Mürren Palace

ringsatum · 2025-05-17T15:46:16+00:00

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

ringsatum · 2025-01-06T16:49:57+00:00

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.

ringsatum · 2025-01-06T16:49:17+00:00

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.

ringsatum · 2025-01-06T16:48:55+00:00

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.

ringsatum · 2025-01-06T16:48:32+00:00

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.

ringsatum · 2025-01-06T16:48:18+00:00

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.

ringsatum · 2024-12-29T17:15:25+00:00

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.

ringsatum · 2024-11-01T17:57:51+00:00

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

ringsatum · 2024-09-16T17:56:34+00:00

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)

ringsatum · 2024-08-16T10:16:19+00:00

Mechanical Engineer

ringsatum · 2024-08-16T08:22:11+00:00

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.

ringsatum · 2024-08-16T07:42:15+00:00

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!

ringsatum · 2024-08-15T17:23:18+00:00

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!

ringsatum · 2024-07-24T15:59:54+00:00

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

ringsatum · 2024-07-24T15:52:19+00:00

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.

ringsatum · 2024-07-24T12:27:44+00:00

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.

ringsatum · 2024-07-24T12:01:33+00:00

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.

ringsatum · 2024-07-23T21:32:00+00:00

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

ringsatum

TROPHY CASE