Hello everyone,
I am non EU national working in IT field recently moved to CH, currently living in Basel. I have been following the Mustachian movement from last 2 years. So far I have been investing in US market through my 401k plan at previous employer. Most of my holdings are in Vanguard growth funds and I plan to diversify to VTI and VXUS. This forum has been tremendously useful on getting started with a good portfolio.
Cheers,
Hi, there!
Iām approaching my 30ās, born and raised in Europe.
Moved to ZH few years ago, working as a doctoral student now (48k salary).
I track all my expenses in a spreadsheet. I save more than 50% of my income, mostly because I am single, living in a WG and pay no health insurance. Occasionally, I am gambling with bitcoin trading, however it seems like a lost cause.
Since I have saved a reasonable amount of CHF, I am looking for a non-traditional investment options out there. I am hesitant to pull the trigger, because I have no knowledge on investment exit and taxes.
I am looking for a comprehensive workflow starting from the sign-up until the tax declaration and account closure.
You donāt pay health insurance or you pay that super-cheap health insurance for foreign students? Health insurance is compulsory.
I have a five-year exemption from the compulsory swiss health insurance.
Exemption was possible, because I have a student status and the European Health Insurance Card.
welcome to the forum!
the center of gravity in this community is quite traditional Investments in the form of ETFs (stocks, bonds, real estate,ā¦). However here and there some exotic stuff popps up, and of course you are welcome to join in 
maybe you have something new to us?
Market seems to be heating up again XD.
Hi all,
I am 26 Year old, Non-EU national enjoying lovely city of Bern since last year. Working in IT industry and gathering experiences, learning on mistakes on all fronts. You could say I am just starting on my portfolio and am sincerely grateful to all who share their experiences in this forum.
If ppl in Bern are willing to meet up, feel free to ping me.
Anyhoo, cheers 
Hi Eastwood!
Welcome to the Swiss club! Fellow Berne resident here, also from abroad (albeit EU).
@demian91, @bamboo and I mhad a meetup a few months ago - this would be a good opportunity to organize another meeting. Maybe @mrs_oberland wants to join?
What about July everyone available? We can meet in the Tramdepot finally to enjoy the famous beer.
Cheers!
Johnny
a meet up in Bern would be interesting! Im also from Bern.
PS: I just noticed i never introduced my self on this forum, i will do itā¦
Hi everyone,
Long-time reader, just decided to start contributing, like most people here.
I live with my girlfriend and two kids in a rental apartment.
Iām 30ish and live close to NeuchĆ¢tel.
I have been investing since my early 18s but not necessarily the smart way. I was not well advised and just did what my parents or banker advised me to doā¦
Hopefully I changed my job and moved from France to Switzlerland a year ago and I had to rethink the way I invest. Last december was the time I discovered the FIRE community thanks to an article in letemps.
If anyone living in NeuchĆ¢tel or nearby is interested in beers or coffee to exchange advice and views, just say the word!
Hi all!
Iāve been reading quite a bit now and decided itās time to sign up.
Iām a weekly resident near Berne in her late 20ās. I stumbled across FIRE when I was working abroad, not contributing to the Swiss pension system anymore.
Would be great to meet some like minded people around Berne.
Hey peeps!
Iām in the beginning of my 30s now, born and raised in Switzerland.
I get my energy and joy from the fantastic people around me and from learning in general. I get my money from working as a Web Developer and I get my knowledge from books, youtube videos, and now, hopefully, also from this forum!
I ended up with 0 bucks on my bank account one year ago and I even had to borrow 3k from mummy to cover some of the expenses. I figured, that might be a symptom of something that could get out of hand, since there was no excuse to get to 0, with a good salary, being healthy, sharing a flat and not needing a car. So I started my journey of self improvement in general and personal finance and investment in particular.
And yes, looking forward to this as well!
Hi Kanel,
welcome!
Iāve planning a follow-up to the meetup in Berne in February and have finally set up a doodle:
https://terminplaner4.dfn.de/beer-and-finance-2-2019
S. this post: Beer and finance
See you!
J.
Hi all
I am in my thirties living in Switzerland and got introduces to FIRE by the Finanzfluss youtube chanell (https://www.youtube.com/channel/UCeARcCUiZg79SQQ-2_XNlXQ) going trough different Subbreddits (r/Frugal, r/financialindependence and r/EuropeFIRE/) let me to this forum post: https://forum.mrmoneymustache.com/mustachianism-around-the-web/mustachianism-in-switzerland/msg2251083/#msg2251083 which introduced me to the Mustachian Post. Iād like to learn more on investing and budgeting.
Apart from the beautiful landscapes in Switzerland and nature in general, I am also interested in blockchain technologies especially in Ethereum.
Hi everyone,
Iām 27 years old, working in IT in Lausanne but from Wallis.
Iām a bit lost for the moment to be honest. Iām not sure I prefer to RE or to enjoy now and work longer.
However, Iāve always been careful with the money and try to save as much as I can while not refusing myself much.
My main objective here is to learn how to invest in a smart way.
Cheers
Hi Everyone,
Iām a 26 y/o Dutch guy working in healthcare, currently still living in the Netherlands but planning to move to Switzerland as soon as possible to join my French girlfriend who has recently moved to Geneva to start a new job. The idea is to settle in Lausanne and for me to find a job in the general area around it.
Iāve been deep into the mustachian ways and know the general ins and outs in the Netherlands but applying the same principals in Switzerland will be a new challange for me. For that reason iāve been lurking on the forums for a while and have already found tons of useful information.
I hope to learn more and more from you guys, and once iām settled hopefully share some usefull information aswell.
Cheers
Hi Mustachian Fellows!,
Time to introduce myself as well here.
I think my situation is pretty simple, like at any other expatās here in Switzerland:
Middle of my 30s, Moved 5 years ago from Germany to CH. I didnāt lived before frugal, Iāve made a lot of mistakes (havenāt paid my student debt, owned a car leasing, spending over 80% my income for my dreams, started with a 3rd pillar life insurance -> see my story here).
Iām currently working as an expert at an insurance company, doing some side hassle projects in the same professional area.
But finally started to think about my finances pretty late (with 35), and figured out how good this works for me. We moved together last year with my partner.
Now I could reach a savings rate around 40-45%
Plans:
Savings:
I want to keep it simple, and live a happy, healthy life.
Cheers,
Mr.P
Hi All !
I am not an expat but a Swiss guy who read many of the articles of this website during his vacation this summer.
I am 32, married with 1 son of 8 months. I did the error with the insurance life (which I am trying to cancel now). We already bought a house.
Iām currently working as a teacher. I already have a pretty simple life though I think I can improve my saving rate which is around 45-50%.
Plans :
Welcome!
Make sure to read a bit more about what currency risks entails. Thought exercise: which companies represents 50% of the CH stock market. To which currency are they mainly exposed (how much value do they lose if USD or EUR or GBP drop by 20%).
I think that unless you invest in fixed income securities, it makes little sense to limit the stock exposure to the companies headquartered in a given currency zone (esp. if itās a very small zone, like CH).
