I am almost 40, I’ve moved to CH 7 years ago with -5000 CHF (some debts to my family after the weeding).
6 Years ago, I dream about early retirement (50). My wife and I talked and do a soft budgeting that enabled us to get a full salary saving (living in one salary based).
Kids came and now Early retirement is a bit more challenging, so need to improve my strategy…
I have done a lot of prework, but the one and most important missing investment.
I have a life insurance, pillar 3a… have a good deal with my employer
Currently, I have 200kCHf in cash
Just open brand new my IB and do a test transaction of 1k. ready to invest. Plan to invest 10k per month for a year and then reduce to 2k monthly
1.-Portfolio --> I’ve read the portfolio recommendations. My point is make sense to go firstly to global as specially US will do quite bad for corona or better start first swiss market EFT.
2.- Transfer funds, shall I transfer all cash that I will like to invest to IB and keep it there and invest 10% in a monthly basis (change currency or keep it in CHF and pay negative interest rates)
or keep it in y bank and transfer only what I want to invest