Frugalism Might Ruin Your Long Term Plan

As stated in my earliest articles, my wife and I decided to not be absolute frugal people. I am personally against this approach to life and believe sometimes frugalism might ruin your long term plan.

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Finding Our Top ETF For Financial Freedom

I plan on not spending time on choosing multiple ETF over time and use a very lazy passive investment behavior to achieve my financial freedom. I strongly believe that you will not find a lot of benefits in buying multiple investment products. Over time, just buy the market. Earlier, I pointed that I am keen on S&P500 ETFs and highlighted some key elements to look after such as Total Expense Ratio and fund liquidity. However, can we do better than just going for the S&P500? The answer is yes.

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Use ETFs To Start Investing

We have covered previously the importance to start investing and early and what areas you should consider to increase your saving to invest. The most advised vehicule investment for beginners and passive investment style are Exchange Traded Funds (ETFs).

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How To Increase Your Savings

Switzerland is regularly placed in the top 5 most expensive countries. However, I would argue salaries are aligned with incurred cost compared to other countries.

Truth is, wherever you are (in main Western countries), the biggest spending in your budget are housing, insurances (including medial), transportation and food.

I strongly believe in the 20/80 principle: create 80% of the performance with 20% of the total effort. Therefore, if you want to decrease your spending, start by addressing the key elements previously mentioned. After all, if you are reading me, you are not the highest spender in clothing, restaurants and jewelry. Right? 😉

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Investing For Your Future

The recipe to beat the normal retirement path is to obtain the money you fell comfortable to retire before the official age of retirement (65 years old for men in Switzerland as of December 2019). Let’s see how we can do this.

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Understanding The Swiss Pension System

The Swiss pension system is divided in 3 pillars. 2 are mandatory (1st and second) and 1 voluntary (3rd pillar). Depending on your professional activity and pension scheme chosen, various choices can be made.

For this post, I will present the three pillar pension system viewed from a regular employee living on a monthly salary.

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My Road to Financial Enjoyment

As my wife and I were travelling across Vietnam in March 2019, we both realized how quickly life goes on. We both agreed that following the classic corporate job role for all our life would not make us happy and decided to jointly work towards increasing our flexibility to choose when to work and for who.

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