nVidia in Nov '22 was dead obvious.
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I still think bitcoin IS another scam.
My only regret is the 3.5kCHF crypto.com credit card which brings me a couple of € cashback and “free” access to airport lounges.
Actually the most expensive lounge accesses in history
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Hello KK1, can you elaborate please? Thanks
Mine – apart from not having started investing at the tender Warren Buffett age of, say, 11 – is not having paid more into pillar 2 when I still could. 
I’m guessing – as probably almost always? – different personal circumstances than mine where
- paying into pillar 2 lowered my income tax significantly* and paying in more and/or more years would have lowered those income taxes even more** significantly
- having all that pillar 2 money now in (two) Freizügigkeitsstiftungen which are tax sheltered and where I can determine how it’s invested (within the limits of the instruments available at VIAC and Finpension)
- I can bear the risk of drawdowns in the Freizügigkeitsstiftungen – which did and do happen – given my net worth in pillar 3b (aka Freie Vorsorge) versus having zero drawdowns and a guaranteed (ok, not eye-popping, but still: guaranteed no drawdowns) return in pillar 2 at a Pensionskasse
- I’ll probably be able to withdraw that money in the Freizügigkeitsstiftungen at attractive capital withdrawal tax rates and in two tranches (two separate tax years), further lowering the taxes on that money that would otherwise have been taxed at a very high income tax rate
- maybe I’m not Warren Buffett after all:*** maybe I’ll make a higher return on non-tax-sheltered money saved/invested (or, well, really only on ‘the-money-not-paid-into-pillar-2 minus income tax’), taking into account the points above and that all non-capital gain returns in my pillar 3b are also going to be taxed as income …
… maybe not.
YMMV, of course.
* Low single figure hundreds of k's.
** High single figure hundreds of k’s, probably approaching 7 figures.
*** I know, hard to fathom, but it’s a possibility that I have to consider.
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Is it possible to move that money to a non-3a portfolio on finpension/VIAC so you don’t miss out on (positive) market days?
Perhaps start using 1,2,3 … for footnotes 
Otherwise we will be lost in the stars (no pun intended)
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Not sure I fully understand the question?
I guess you can withdraw and allocate – after taxes – wherever you want to, whether 3a (if you’re still eligible), your brokerage account, finpension/VIAC (non-tax-sheltered) investment accounts, your bank’s cash account … sorry if I missed the obvious question behind the question you asked?
If I knew how to uppercase 1, 2, 3 … I would1 always2 do so.3
1 - Damn - a simple Google search led me to doing this!
2 - Okay, no promise, but I’ll try.
3 - Thanks for your suggestion!
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I didn’t even know how to reduce font size
I am jealous
Will check on Perplexity (to keep the market share in check ;))
What I’m asking is if it’s possible to have a seamless selling of pension funds and buying of regular funds within the same day, instead of waiting multiple days between selling funds, terminating the pillar 2 account, transferring the money to another institution and re-buying there.
Don’t be.
I’ve described using smaller fonts in a previous recent post: Any Stockpickers out there? - #685 by Your_Full_Name
For the superposition of text, just add <sup>the superpositioned text</sup> and the rendered text will appear as the superpositioned text. If you manually type this in the editor text box, your typing of ‘<sup>’ will disappear into nothingness displayed on the right pane, so you’ll have to so-called escape ("save*) some characters from being interpreted, and to have ‘<sup>’ being interpreted correctly, you’ll type “backslash” (‘\’), “less than” (‘<’), the string “sup” >.
Good luck?
Edit: Corrected the escape character stuff, it’s not necessary.
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Oh, I see. Seamless is probably not possible. YMMV, of course.
I don’t know at all the mechanics of this, so probably best to ask your “selling funds” provider(s) on the mechanics (trade dates, value dates, transfer settlement dates) if you want to play it as close as you seemingly want to (as well as perhaps the receiving end on when they settle, their reinvest day, etc).
Everyone wants to make a little money between when you disband from a large amount of money from entity A to invest it at entity B, with profitable (not to you) established proceses over centuries, so please be patient while they’ll take a cut in the … ahem … process.
In my experience (and without any inquiry), it can be multiple weeks between each of these dates mentioned above.
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If you do it at same provider , yes it could be. I remember Finpension saying that but I don’t know if it’s literally on same day or not.
Otherwise it’s not possible because all such accounts only allow cash transfers out
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Not holding my Apple shares that I bought in 2007 / 2008.
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I had…
AAPL
GOOG
SNDK
…
10-15 years ago… and sold after 20-30% increase… and I was really happy at that time…
…
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I once had a concentrated portfolio equal-weight:
- AMZN
- FB / META
- GOOG
Had I kept this, and never contributed more, it would have out-paced my current portfolio with years of additional contributions.
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I didn’t see this thread before..
let’s see..
- Being a pc thinkerer and being involved in a group that were talking about currency and co didn’t move me to try mining BTC. I considered it dumb but I could have at least tried..but noo..I try all what comes in my radar (at least at that time) but no btc. At that time even my watch could have mined some bitcoins..
- DCA VT. I started at 75usd. At least I slept better. Also I’ve seen going down to 50~ during covid and instead of doubling down, I halvened down
- UBS Specialized Funds.. bought 2001/02. Never listen to their salesmen.
- CRO still have the 3500usd tier. Now worth 660usd or so.
The first one is not “hindsight”. It’s just a weird regret. I don’t understand why I used to try any kind of rubbish I see on internet but that one no. I would have sold when it was probably around 3000chf anyway.
I also had I believe 0.10 BTC because I registered to a website. Unfortunately not on my wallet 
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- Being aware of BTC mining during my prime gaming years in the early 10s and thinking my friends are stupid for doing that.
- Mining ETH in the early 20s and investing everything in ETH and altcoins instead of BTC.
- Not selling my cryptoportfolio once it reached its peak last year and now having 1/3 of the amount I had ~6 months ago.
So crypto just fucked me over lol.
- Not buying BTC during 2026 bear market
*not an investment advice
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