But accepting losses can be very calming for the mind.
It’s like playing the lottery, just with higher stakes and odds:
Once you accept your stake as “lost”, you’ll begin to live free of fear.
Or it leads to you to being irresponsible with investments, because you already considered it being lost.
There is basically zero chance of your money being lost when just investing in VT.
It’s possible that it is simply an impact of language, I doubt the OP is really considering them lost, what they probably really mean is that anything invested is not to be relied upon, for the short term at least. If I spoke in my mother tongue I’d literally say “I consider the money in my investments gone”, meaning I have forgotten about them, don’t rely on them etc, but not GONE!
Thank you very much for the feedback 
I’m very new in Switzerland but for what I understood, my company has its own pension fund. They retain a part of my salary and they invest it. I don’t want to get into much detail as I don’t want to reveal a lot of information about myself
Exactly!! Thank you 
Good follow up!
Regarding your question concerning QQQM, @assemblyrequired already answered, I’ll delve a bit more into it…
Look at the composition of the companies making up Qqqm (it’s Nasdaq 100, basically big tech companies) and in VT and you will see that most if not all companies in qqqm are a big part of VT already.
So buying qqqm is betting on tech stock performing better than people think they will and better than they think other sectors will (background: the valuation of stocks reflects people’s expectations of the future, not of the presence. If you think tech will make more money than other sectors and that’s the majorities opinion, and then tech makes as much more as people thought it would, and future expectations are staying the same, then the stock value will not be affected. It’s called people’s expectations about the future are “priced in”.)
Now betting on a sector is not “wrong”, as long as that’s what you want to do.
Good on recognizing that BTC is a gamble (on something without underlying value). Know if you want to sell at some point or hold “forever”.
Great savings rate!
Do you have an investment plan?
Asset allocation?
I guess that’s what you’re developing right now 
Consider doing a case study if you want your own space
To the mooooooon 
You say you’re new to Switzerland. You might know already, now is the time to evaluate wether doing a voluntary tax declaration is a good idea (also check if you have to do one anyways).
OK, if you’re new here then maybe a little primer: in Switzerland there are three so-called “pillars”.
Pillars 1 and 2 also provide disability and widower pensions. So it’s a combination of savings and insurance. IMO we have an excellent system in place in Switzerland.
Maybe you saw that your net salary is smaller than your gross salary. This is because the difference is unemployment insurance and contributions to pillars 1 and 2. Your employer pays an additional sum on top.
I strongly advise you to max out pillar 3a contributions each year, you’ll save lots in taxes (my tax bill is reduced about CHF 1500 per year I think). You can invest that money into index pension funds through companies like finpension or VIAC. I myself invest through finpension into a MSCI World Quality pension fund.
To add to the picture about pillar 3a
(probably still incomplete)
To add to that and Moustachienne’s message: that is really all that pillar 3b is. Don’t let insurance companies try to tell you otherwise while selling negative returns high fees products.*
*Caveat: in Geneva and Fribourg, some of those 3b policies are tax deductible. They’re still not worth it unless you needed life insurance and would have bought them anyway (in which case, the tax deduction is a cool bonus, provided you can benefit from it).
Wow 3b? I wasn’t even aware.
What I wrote above concerns 3a, I’ll edit it for clarity.
This is the part I would say applied [edit: also] to 3b:
I seem to have misread your message as the tax advantages and limitations you state indeed only apply to 3a.
@werwerwe repeating for emphasis: do NOT choose an insurance company for your 3A.
When you come to CH, if you’re not here already, your phone will be ringing off the hook weekly to sell you 3A. This is nearly always with an insurance company, which will sell you a life insurance product which is poor as life insurance and downright terrible as an invested pension. Whoever calls ask them if their product is with an insurance company and if they say yes then say you don’t want to be contacted again.
Regarding the Cederburg paper:
So I’m fairly new to investing in general. Hoping someone can chime in and let me know how I’m doing. The past 2 years I’ve been putting money in mostly VT and bit into AVUV. Sadly, I also put some money in a clean energy index fund which is just in the red now, I should probably sell this before it gets worse.
At the moment about 45% of my wealth is in these ETFs and I am finally getting more comfortable. But this also means that a good portion of my money is sadly in a basic savings account. I realize most people have higher percentages in their investments? I think I should try to increase it to 70-80% this year. Any thoughts on this? The goal is for retirement, in about 28 years. And this is the only thing I’m doing towards this goal aside from pillar 3a.
One thing at the back of my mind though is that we would eventually want to buy a house, in maybe 3-5 years. This is the part that makes me think I shouldn’t increase the percentage in indexing and keep the money somewhere more accessible. Am I wrong to think this?
First of all. Great job is sticking to a strategy.
I also started 3 yrs back with almost 100% cash. So understand your state of mind
First recommendation I would have is to ensure you map your actual portfolio (including real estate, cash, ETFs, 2nd pillar and 3rd pillar). Some people exclude 2nd pillar , some don’t. It’s upto you.
Once you put all together, you will know what’s your current exposure by
Next step would be to decide how much volatility you can live with and based on that adjust your portfolio. Everyone has a different risk appetite.
And yes if you have specific goals like buying a house. You need to use low volatility instruments like bonds or depots to park that portion of the money. ETFs would increase the wealth but could also be 20% down in 3 years at time you need to withdraw.
Which is your priority. Owning a house or being able to retire earlier ?
Reducing cash and increasing equities is likely to give you a better return over 20 years.
On the other hand it could put at risk the purchase of a house in 3-5 years time.
Personally I prefer to have freedom to retire early and I can tolerate volatility so I would increase equities. But everyone is different.
One option is to contribute to the pillar 2 pension fund. This hopefully returns better than your savings account and still is available for a house purchase.
Buffett seems to be having sexy time today, not sure why but won’t say no.
My limited time with BRK is about 7 months now, bought 4 shares at $360, now waiting on more dividends to plug into it. Can’t estimate how many “free”’shares I’d get per year, anywhere from 4-6, and that number will go up.