FI(RE), pulling the trigger likely in 2020: ~50, male, married, one kid

We might be talking about different things here.

My bad for calling it Herterbrücke in the first place.

Hertersteg would be the pedestrian and bicycle bridge across the Sihl

while the overpass you’re referencing might be the end of the highway coming into Zurich?

I mean Herterbrücke (where the 3M renovation happened last year), it’s right after the Sihl and the Hertersteg, that’s the overpass to go over the train tracks before Huerlimann Areal.

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I don’t precisely track out expenses but the additional annual expenses when child came along have been roughly:

  • 8k for a larger apartment
  • 2k for a cleaner (this is the thing I think we get most value from tbh, since our time is now so much more limited than before)
  • 16k kita (2 days a week)
  • ~5k or so on food due to buying organic / higher quality ingredients than before.
  • We seem to have quite a large number of fairly expensive kid related one-off expenses (e.g. furniture, bike trailer, carriers, car seat…) Each one feels at the time like it’s an exceptional one-off thing but cumulatively they probably sum to like 8k a year

You are saying that Google used to subsidise childcare costs for its employees? Do you know when that stopped happening? As far as I understand from my network that is no longer the case.

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I believe Google paid money to reserve places available at certain Krippen to be available for Googlers. I don’t think they subsidized the childcare costs.

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Few millions for an infrastructure project is nothing. 50M is also not much, @Your_Full_Name are you sure SBB didn’t ask for 500 M?

P.S. I have some doubts now about my estimations, so happy to be corrected.

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Given there’s no space for a station and Giesshubel is 400m away I’m sure it was proposed as a joke and nobody asked SBB.

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Since the both of you were apparently there at the time and I seemingly was not … maybe it was the way you remember it.

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Today I learned that my favorite portfolio tracking tool – DivviDiary – also includes an analysis to reveal allocations and returns per region.

I was surprised to see my holdings[!] (total, not just my dividend growth portfolio) seemingly contain just about 10% more North America than the MSCI ACWI (and I am not even holding any Big Tech – “Look Ma! No Mag 7!” – except for Broadcom (which technically isn’t even Mag7).[7/8]
Talk about diversification!


!   My liquid holdings split across regions:

[f]

7/8   The seven biggest holdings of the MSCI ACWI as of August 8 2025: close to 22%.

f   Don't you get fooled by that seemingly large number blacked out in my portfolio regions screenshot. Just wanted to mess with your mind about my net worth. The actual length of the number is closer to the two small vertiical lines indicated in the blacked out number.
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That picture is a bit boring for me, 100% USA in my divi portfolio after selling Thompson Reuters.

More important for me: sectors. After the recent good performance of Artisan Finance is slightly over 20%. No more buys in this sector for the moment.

I only maintain the divi strategy at divvydiary, probably should enter the rest too…

No probs.

Looks like you’re still spooked out by the GFC …

and are Trumpian according to your Industrials allocation?

Just kidding of course, I expect my sector allocations to even out a bit more given a few more cycles.

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Actually Industrials were slightly over 20% for a very long time thanks to Thompson Reuters. Finance took over mainly because of my last two additions, CNA and APAM.

They just pay the best dividend in my mechanical selection list from the U.S. Dividend 100 index, that is all.

I don’t sell because of the “more than 20% sector” rule, but I don’t buy or even invest dividends there any longer.

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You’re not very compromising, but of course you would not, by nature, given your mechanical allocation mechanism.

You might think you’re disagreeing about colorful charts. I think, your conversation could be the beginning of a beautiful friendship.

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