I discovered this forum about 2 years ago. Read a lot, learned a lot but never did the last step into activity. Neither in this forum or in investing. Probably because I wasn’t sure where and how I’d like to spend my future (starting own business, going abroad, I had many ideas).
I live with my girlfriend in the north-western part of Switzerland and didn’t hit my 30ies yet. In some way, I considered me always as a frugal person. But when I was younger I spend all my saved money on all kinds of gadgets (mainly technology and sports equipment). Over the years I realized that this is a stupid habit and I stopped all the nonsense spending. Now I am able to save about 45k CHF a year
In this forum, I read a lot about investing, how to open accounts at degrio or IB, etc. But I also understand, that the most discussed investing strategy in this forum is made for long term investment (of course this makes absolute sense since the main topic here is FIRE). For me, FIRE is at the moment 2nd place on my „financial to-do list“. Buying a house in the next 5-7 years is my number 1.
So, my biggest question is: How would you invest your savings if you had a horizon for about 5 years? Is leaving it on the bank the best option? What would you do with the 3a Pillar? I am currently at Viac on the Global 100 strategy and not sure if this is still the right strategy for the next 5-7 years. Currently, I think of starting a new Viac account with Global 100 and changing the actual account to a more defensive strategy.
Why am I so sure about buying a house? There are two main reasons. 1. I grew up on a farm in the countryside. I really would love to raise my kids in a similar way. I can not imagine raising kids in an apartment in the city.
2. I love doing things like repairing things like cars, bikes, etc on my own and also doing carpeting and welding work in my free time. So it is essential for me to have enough space for these hobbies.
PPS: I am not used to write much in English, working mostly in german and french. I hope you get the sense:)