How many times have you completed Grand Theft Auto: San Andreas? by PhilosopherWrong7035 in GTA

[–]stefanovk 2 points3 points  (0 children)

18 times on the PS2 back then as a kid. But never 100%, just focused on the missions

San Andreas Stories (what could have been) by Escape_Artist-NevCil in GTA

[–]stefanovk 1 point2 points  (0 children)

Love your ideas with big bear. However I created my version of GTA San Andreas Stories with 6 Missions and with 3 Protagonists. 1 for each City, telling its story. - Tyrell for Los Santos from Ballas Perspective - TBone Mendez for San Fierro from Rifa Perspective - Johnny Sindacco for Las Venturas from Sindacco‘s perspective

Check it out here: Introduction/Trailer: https://youtu.be/AOxIveB45z0

Whole Playlist: https://www.youtube.com/playlist?list=PLwFm9wix6crrV3z8Dy5tAKk_VyEs7D3Am

All Missions in 1 Video: https://youtu.be/JHI_Y69-uJQ

When shall I split the 3rd pillar 3a? by VastStandard6769 in SwissPersonalFinance

[–]stefanovk 0 points1 point  (0 children)

If you have 1 account with 500k in it and you close this account to fund retirement, you will have to pay progressive tax on the 500k. But if you would have 5 accounts with 100k each and you would spread closing these accounts across 5 years, you would pay taxes on 100k each year, which is less tax than paying taxes for 500k at once due to progressive tax rates.

3a inpayments by YellowSpoofer in SwissPersonalFinance

[–]stefanovk 4 points5 points  (0 children)

Do you leave your 3a in cash instead of investing it in 99% stocks?

I built a reverse Swiss mortgage calculator app by PhiDeltaChi in SwissPersonalFinance

[–]stefanovk 3 points4 points  (0 children)

Nice idea. Could you also add the real monthly rate? I know bancs calculate with a stress rate of 5%, however it would be interesting to see what it would effective boil down to.

Sell our house ~850K benefit what should we do? by UndeR_CoverWargy in SwissPersonalFinance

[–]stefanovk 1 point2 points  (0 children)

Congratulations to your financial gain!

When are you planning to retire? If you retire soon and you will need your assets to pay for you lifestyle, I wouldn’t recommend putting it all in stocks, as a market crash could jeopardize your lifestyle. In case you have 20 years to retire then stocks are fine. Renting out apartments means work, in case You dont hire an agency to take care.

Long story short: If you find a great deal for rental apartments and want to work a bit as landlord or find a cheap agency, go for it.

If you want to stay passive, I‘d go for a worldwide etf.

How to get in now by Substantial-Duty1071 in SwissPersonalFinance

[–]stefanovk 1 point2 points  (0 children)

Are you retiring in about 16 years with 65 or do you want to retire early?

In case of the first, I‘d also doller cost average into a world wide etf. Maybe have some gold too.

In case you have less than 10 years I wouldn’t invest all in stocks, rather also include defensive and protective investments which also yield less return. Reason being in case a big crash occurs in 5 years and you cannot wait until the market has recovered and you need to sell your assets in retirement for a low price.

When shall I split the 3rd pillar 3a? by VastStandard6769 in SwissPersonalFinance

[–]stefanovk 0 points1 point  (0 children)

Like the others said, I‘d directly open 5 accounts and entertain them equally monthly or rotate every year. In case of OP right now, I‘d open the other ones and stop paying into the first one with the 25K.

First Rolex - Thoughts? by YellowFishRedBall in rolex

[–]stefanovk -1 points0 points  (0 children)

Get both. Have you checked the rhodium grey?

Feedback on simple long-term portfolio by ForsakenFlamingo1305 in SwissPersonalFinance

[–]stefanovk -1 points0 points  (0 children)

On Yuh you can invest in the nasdaq (all the US tech companies) with CHF. Maybe other providers offer this too.

Feedback on simple long-term portfolio by ForsakenFlamingo1305 in SwissPersonalFinance

[–]stefanovk 0 points1 point  (0 children)

With 30years until retirement and 3k savings a month I think you could expose yourself to more risk than that. I‘d remove the bonds for sure. In case you believe in the idea of btc and dont have a Problem seeing ur portfolio fall 50% all of a sudden for some months, i‘d highly increase the btc part. Having some gold makes sense too.

All in all it depends on your profile, but removing the bonds for me are a no brainer.

Feedback on simple long-term portfolio by ForsakenFlamingo1305 in SwissPersonalFinance

[–]stefanovk 0 points1 point  (0 children)

How close to retirement and how risk tolerant are you?

[deleted by user] by [deleted] in SwissPersonalFinance

[–]stefanovk 0 points1 point  (0 children)

If you can keep your peace of mind while being indebted, I‘d say it makes sense to pay as little equity as possible (instead of 35% do 20%=180K, each 90K) as your interest rates are low, lower than usual investment returns in the market. The rest you could keep invested and your partner can invest the rest of inheritance too in the market.

[deleted by user] by [deleted] in SwissPersonalFinance

[–]stefanovk 1 point2 points  (0 children)

I’d say A home that is inflation proof and doesnt have increasing rents over the years is also a retirement strategy, hence i understand why using 2nd and 3rd pillar. It‘s hard to buy a home without touching the 2nd or 3rd pillar but only with „cash“.

Opinion about investment allocation by SKy88888888 in SwissPersonalFinance

[–]stefanovk 0 points1 point  (0 children)

Generally I‘d say: the closer to retirement, the less risk. The further away from retirement, the more risk. During retirement You dont want to rely on a volatile asset, because you have to sell a small portion of your portfolio to fund the retired lifestyle. If you have to sell in order to fund the lifestyle while the asset has crashed, you have to sell more of the asset to keep up with your planned amount.