Thanks for sharing your point of view.
You are missing an important point, Selma has an extra 0.22% fee for the ETF TERs. Even at 500k, Selma would cost around 0.64, significantly more expensive than Finpension and that's not even taking into account the advantage for US dividends.
Hi,
As of a few hours ago, the finpension invest service is out!
This is a Robo-advisor service with some nice features and low fees!
They are the first robo-advisor to offer tax benefits similar to US ETFs (in some cantons)
They have support for private markets
They support savings and...
@RandomName thanks for sharing!
I have not noticed any glitch on my end. But the peak salary issues are very likely to be there indeed (and may become worse with more users). I also felt quite disappointed about the lack of spaces in the joint account. I wanted our emergency fund to be in our...
As far as I know, they don't offer the same in CHF. And if you had access to the EUR one, it would not really make sense because you would incur a huge currency risk.
These savings accounts are high yield because the EUR has a higher interest rate than the CHF.
Actually, most of the funds have load fees and sell fees. So, this is a fee in favor of the fund, but if you rebalance often, this could become expensive.
Yes.
So far, so good. But I am not really basing decision on anything formal. This is something I wanted to try and my 3a was a good place to try. This is still very well diversified, so I am not diverging too much from my strategy.
Interesting, I don't know why you get these. The very small one may mean IB converted automatically a tiny balance at the end of the day, but the other two are different. Normally, your dividends should not be automatically converted.
Hi tanguy
In my opinion, there is some value about private equity, but it's generally way too expensive. And there is way too much noise about it. It won't deliver huge returns in most cases.
This video is quite good:
Normally, you should be able to see them under Activity statements. If you look into Trades, you will see something like USD.CHF with fee. The last time I did, it cost me 1.82 CHF (2 USD at the time).
I did put together my own strategy, but I would not recommend it. I did it to test Qualify Factor investing.
For most people, either sticking with the global strategy or making a strategy with a single world fund is best.
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