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Portfolio Update – Q4 2019

I want to be transparent, but not foolish. I think it is good for me to keep track of the moves in portfolio holdings in order to keep myself and our family accountable, but without giving to much information out to the public. The goal will be to publish these updates on a quarterly basis, […]

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Link Collection

SPF Link Collection #1

Vanguard lowers prices for index ETFs Vanguard (an issuer of very popular low-cost ETFs) announced recently that it has cut expense ratios for 56 mutual funds and ETFs. According to a press release. Affected funds include the Total World Stock ETF (VT) and the Russell 3000 ETF (VTHR), among others. You can find the full list here. […]

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A warning for 2020

We are already in the third week of 2020, but it’s not too late to wish you a happy and blessed New Year! I am writing this quick update today to warn you about potential pitfalls when signing contracts, dating important letters or even (if you still do such a thing) signing checks. Write out […]

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An Introduction to the Swiss 3 Pillar System

Overview Switzerland’s three pillar system gives a broad financial safeguard for the retired Swiss population. The name  “three pillars” presumably stems from the phrase “three-legged stool”, which is used by  financial planners to describe the most common sources of retirement income: 1. Social Security, 2. Employee pension, 3. Personal Savings.  The first pillar is guaranteed […]

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Did you know you can put up to 100% stocks into your 3a pillar account?

You know how sometimes you just are so sure about something and you don’t question it until you are presented with a new fact? It happened to me just recently in connection to the legally allowed stock percentage in 3a pillar accounts. I was under the impression, that there is a legal maximum of stocks […]

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First Post!

I have been thinking about starting a blog on financial freedom for years now. There has always been a reason not to do it. But today I am starting it, not knowing where this journey is going to take me or my family.  So here it goes. Let’s start this journey…