I’m wondering, how are you doing 6 months later?
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Hi everyone, sorry for the long absence.
I am writing to update you on my situation, although not much has changed.
Last year our son is born. It really is a wonderful experience.
Here are the changes for 2023
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my wife starts a new job (60% salary, 42k CHF/year)
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my salary has increased to 79k CHF/year (family allowances and inflation compensation)
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I asked the Property Manager to sell my property in the USA (I estimate a loss of 30k, I am angry and very disappointed about this)
If my wife’s new job goes well, I will also try to change jobs. The goal is to find a job with > 100k/year pay (advice on which profession is welcome 
) I’d like to work in real estate.
That leaves the idea of buying a house here in AG. I hate living in a flat, plus at the moment the topic of investments is off-limit due to bad experiences so far.
If we manage to buy a house there remains the idea of opening a third pillar for both me and the wife (Finpension 100 - 6883 CHF/year).
My net worth at the moment:
56k CHF cash in the bank account (unused)
80k CHF US real estate (-30k loss estimated)
26k CHF 2 pillar (50% stocks, 25% bonds, 25% real estate in Switzerland, 5% interest)
10k CHF car (no leasing)
5k CHF Genossenschaftskapital (1.25% interest)
Total 147k CHF
That’s all for now.
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Any point in waiting for a moment where you could sell it for 110k?
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I understand that the 80K was before taking any loss into account. The property would sell for 50K.
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I think so too.
Then again, it could be part of the scam…
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Thank you for following.
I am sorry for your losses.
When reading your previous investments, you may have a bias for exotic investment.
A good strategy could start small with classic investments (spare money into VT within IB).
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It looks to me that you have made progress with carrying out your plan (bolded are additions of mine):