So, I'm ready. Need a bit of guidance for the final steps

Technically yes.
Practically though, most people won’t have significant investable capital before they torn 28 or 30.
And most in their late 70s shouldn’t depend on stock market returns but maybe switch to other assets.

Also, the mustachianpost web site has the claim: “Retire early at 40 in Switzerland”

While we’re at the long-term perspective:

Would it? From a Swiss investor’s perspective?
Well, let’s look (very roughly) at the first decade, the 1970s then…

So I’ve looked up the annualised returns of MSCI World (7.88% over the decade) and cross-checked with somewhere else online. So slightly more than 100% for over the decade. Net and taxes it would probably haven less than 100% return. Just as in your graph, that’s figures in USD.

Over that same decade (the 1970s) the USD lost of 63% of its value against the Swiss Franc.
I tried looking up customer deposit rates at the SNB and they do have PDFs with historical data on their web site - though many pages appear unfortunately blank. From what I can gather, interest rates on CHF savings should have been higher than 3% p.a. though.

Quite clearly you shouldn’t invested lump-sum in MSCI World in 1970, from a Swiss investors perspective. You would have fared by much better by leaving the capital in your boring savings account in the bank for 10 years and just do nothing - let alone touch the stock market.

You would have lost a lot of money by investing lump sump in 1970, compared to just doing nothing for more than 10 years (from the perspective of a CH investor with CHF as base currency).

2 Likes