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Future accessibility of US domiciled ETFs for Swiss investors

US domiciled ETFs are very tax efficient for Swiss investors. However, due to certain regulatory issues, it’s not guaranteed that Swiss investors will always be able to purchase US domiciled ETFs. In this article, we discuss why this is the case. The PRIIPs regulation The PRIIPs regulation is behind all uncertainty around the availability of…Continue readingFuture accessibility of US domiciled ETFs for Swiss investors

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Investing Investing theory

The risks of investing in financial assets

You know that investing comes along with certain risks. But you may have not thought those through. What are the main risks of investing in financial assets? And what are possible mitigation measures? In this entry we’ll cover the main risks you should look out for. Setting the scene What are financial assets? Financial assets…Continue readingThe risks of investing in financial assets

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Investing Pillar 3a

A comparison of pillar 3a alternatives

Are you looking to invest in pillar 3a? There are dozens of alternatives out there. Which is one is better? And is any of them better than just investing the money yourself in a low cost ETF? This entry introduces an app to enable an easy comparison of different pillar 3a alternatives. Are you familiar…Continue readingA comparison of pillar 3a alternatives

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Tax optimization Taxes

Your marginal income tax rate

Introspective on your tax rates is an important element of financial literacy. How much taxes will you pay if you increase your income by X? In this entry, we’ll learn how to answer this question. To do that, we’ll see how to estimate your marginal income tax rate. Your marginal income tax rate What is…Continue readingYour marginal income tax rate

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Investing Investing theory

The PE ratio and stock market valuations

The ‘price’ of things is a crucial consideration for any investor. Every asset class can be cheap or expensive. Equities are no exception. What does it mean for equities to be ‘cheap’ or ‘expensive’? In this entry, we’ll review the PE ratio, a key metric on the relative value of equities. From valuations to the…Continue readingThe PE ratio and stock market valuations

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Investing Pillar 3a Tax optimization Taxes

How pillar 3a works

Pillar 3a is one of the most popular investments for Swiss residents. In fact, it’s somewhat unpopular not to contribute to pillar 3a. In this entry, we’ll discuss how pillar 3a works. We’ll also review the biggest pros and cons of pillar 3a investments, as well as some important investment considerations. About this entry There’s…Continue readingHow pillar 3a works

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ETF investing Investing

How bond ETFs work

The ETF market has traditionally been dominated by equity ETFs. But bond ETFs are rapidly gaining traction [1]. Bond ETFs are the best option for retail investors to invest in bonds. How do bond ETFs work? What do you have to know before investing in bond ETFs? Let’s find out. Before you begin… Make sure…Continue readingHow bond ETFs work

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Investing Investing theory

How bonds work (2/2)

Both stocks and bonds are cores pieces of an investment portfolio. However, understanding how bonds work isn’t easy. It often remains a mystery for many investors. In this continuation entry, we’ll review the impact of interest rates in bonds. We’ll also explore risks associated with bonds and how bonds trade. Bonds and holding period You…Continue readingHow bonds work (2/2)

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Investing Investing theory

How bonds work (1/2)

Both stocks and bonds are cores pieces of an investment portfolio. However, understanding how bonds work isn’t easy. It often remains a mystery for many investors. In this entry, we’ll review how bonds work, how they’re valued, and why the ‘yield to maturity’ is so important. In a second part, we’ll explore the relationship between…Continue readingHow bonds work (1/2)

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ETF investing Investing

Your first ETF purchase

Are you ready to begin your investing journey? This entry is a step-by-step guide on how to buy your first ETF. You’ll learn how to avoid common pitfalls new investors face. You’ll also find out about best practices for every subsequent purchase. Before you begin… Many uninitiated investors make the mistake of jumping too fast…Continue readingYour first ETF purchase