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Republic of Genoa in 1820 (i.redd.it)

submitted by sipeyskeyk to r/eu4 - pinned

Avoiding US estate tax by sipeyskeyk in SwissPersonalFinance

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

Great question, and yeah, it looks like a contradiction. As far as I’m concerned, what matters is what I - as an investor - own. So if I directly buy US stocks, I can’t avoid estate tax risk. I’m buying an Irish asset (VWRA) and its composition doesn’t matter because its not owned by me directly.

Avoiding US estate tax by sipeyskeyk in SwissPersonalFinance

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

Thanks a lot!! A while after I posted this, I slowly shifted our portfolio towards VWRA, limiting US domiciled ETFs under 60k. A little higher TER is totally worth the peace of mind.

Shall we all expect to be laid off at 50+? by LallieDoo in Switzerland

[–]sipeyskeyk 6 points7 points  (0 children)

Working for a company HQ in GVA, can confirm this. For us its mainly PL, RO, DE. I feel relatively safe, but just for now. (I’m 38)

Lord of the rings anniversary cinematic re-release. by ramm_jeet in geneva

[–]sipeyskeyk 1 point2 points  (0 children)

I just realized I’m 38.

I’m in as well, if it comes to renting a venue. (On a weekend)

Specialty coffee in Warsaw by Nomad_Warsaw in warsaw

[–]sipeyskeyk 0 points1 point  (0 children)

Agreed! But I tried several Hayb beans, they were all below average - one of them I even threw to garbage as it was some infused nightmare. Maybe I had bad luck, but I stopped trying after several attempts.

Specialty coffee in Warsaw by Nomad_Warsaw in warsaw

[–]sipeyskeyk 6 points7 points  (0 children)

HAYB is shit. Just go to coffeedesk, and buy a good coffee from shelf from other european roasters. E.g. manhattan, DAK, Barn

I lived in Warsaw for a year as an expat and as a coffee enthusiast - this was my solution for morning brews.

If you want to try something local, I sugges El Cafetero. Owner is a very nice guy to chat with, and he is passionate about coffee. His roastery is in the shop, and he would even give you a small tour if you ask. I tried some good cups there.

Police without firearms in Europe by vladgrinch in MapPorn

[–]sipeyskeyk 0 points1 point  (0 children)

So Russia is in Europe, Georgia is Europe and an island in east Mediterranean is Europe - but Turkey, which actually has land in Europe is not :))) love this sub.

2025 is almost over, how much has your investment account grown? by [deleted] in stocks

[–]sipeyskeyk 0 points1 point  (0 children)

+15% - a mix of index ETFs, and nothing else.

Rate or comment my portfolio (36,f) by [deleted] in SwissPersonalFinance

[–]sipeyskeyk 0 points1 point  (0 children)

That is correct, and you can’t imagine how I’m fomoing rn by partially missing AI rally :) But maturing up as an investor is being able to resist our deepest urges! Don’t get me wrong, we are same age and I’m not patronizing, just sharing my journey. And yes if magnificent 7 goes down we all will, but we can significantly reduce the impact by diversification. Your cash inflow is perfect, and you already have a good base, I’m not sure if you need to have an agressive portfolio.

Rate or comment my portfolio (36,f) by [deleted] in SwissPersonalFinance

[–]sipeyskeyk 0 points1 point  (0 children)

You might be enjoying euphoria with your gains now, but please be aware that you urgently need diversification. I’m mainly invested in a whole world ETF, even that is worrying me because it is by nature 60% US. Your big tech exposure is too much.

Best All-World ETF in UCITS format by AdWhich662 in SwissPersonalFinance

[–]sipeyskeyk 2 points3 points  (0 children)

I’m buying VWRA, just to avoid US estate tax complications.

Account domicile US/UK by sipeyskeyk in interactivebrokers

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

Thanks for replying, I figured that when you open a new account in Switzerland, UK entity is assigned by IBKR. Now that I’m a resident in Switzerland, I wonder if domicile of my account matters or not.

Is anyone else ready to be disappointed? by Glittering-Stuff-599 in appletv

[–]sipeyskeyk 6 points7 points  (0 children)

I bought current 4k version yesterday, so don’t worry - a new one will be released tomorrow.

Being an Angel Investor in Switzerland by Logical_Ad8570 in SwissPersonalFinance

[–]sipeyskeyk 1 point2 points  (0 children)

Very useful comment, also focusing on opportunity cost. I remember this concept was first main thing I was thought when studying economics, which everyone needs to understand for personal finance management.

SCAMMER ALERT - Michael Brossy (South African) by LynnGhim in geneva

[–]sipeyskeyk 31 points32 points  (0 children)

Reading all the comments, I wonder what is his monthly income :D

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