Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
Reply
 
Thread Tools Display Modes
  #81  
Old 12.08.2016, 11:37
user137's Avatar
Forum Veteran
 
Join Date: Feb 2012
Location: Zürich
Posts: 801
Groaned at 19 Times in 13 Posts
Thanked 495 Times in 315 Posts
user137 has an excellent reputationuser137 has an excellent reputationuser137 has an excellent reputationuser137 has an excellent reputation
Re: What to do with 100k CHF?

Quote:
View Post
they have a EUR feeder fund. also CHF, but I think the minimum CHF investment is 5 million or something around that.

i just converted to GBP and bought the GBP T fund.
I don't see a minimum investment anywhere. Well I gotta write them it seems.
Reply With Quote
  #82  
Old 12.08.2016, 11:43
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: What to do with 100k CHF?

Quote:
View Post
I don't see a minimum investment anywhere. Well I gotta write them it seems.
It's Shown on the fund fact sheets
https://www.fundsmith.co.uk/global/eu/fund-factsheet

T class Euro 2000, feeder fund only
T Class £1000

I Class CHF 6 Million
I Class UDS 6 Million
I Class £ 5 Million
I Class Euro 5 Million, feeder fund only
Reply With Quote
  #83  
Old 12.08.2016, 12:23
user137's Avatar
Forum Veteran
 
Join Date: Feb 2012
Location: Zürich
Posts: 801
Groaned at 19 Times in 13 Posts
Thanked 495 Times in 315 Posts
user137 has an excellent reputationuser137 has an excellent reputationuser137 has an excellent reputationuser137 has an excellent reputation
Re: What to do with 100k CHF?

Quote:
View Post
It's Shown on the fund fact sheets
https://www.fundsmith.co.uk/global/eu/fund-factsheet

T class Euro 2000, feeder fund only
T Class £1000

I Class CHF 6 Million
I Class UDS 6 Million
I Class £ 5 Million
I Class Euro 5 Million, feeder fund only
I want the T class, it seems. What are the letters for? I guess "I" stands for Institutions? Any places to get this done in CH?
Reply With Quote
  #84  
Old 12.08.2016, 12:47
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: What to do with 100k CHF?

Quote:
View Post
I want the T class, it seems. What are the letters for? I guess "I" stands for Institutions? Any places to get this done in CH?
I is for institutions.
There is no platform in CH to my knowledge.
I have used both UK & Luxembourg to invest in the Fund. The online UK site won't work with a foreign address.
There are only a few hundred clients in Luxembourg, so there is no dedicated customer service person, however you always end up talking to the same person at State Street Bank.
Reply With Quote
  #85  
Old 01.02.2017, 14:31
Newbie 1st class
 
Join Date: Dec 2016
Location: Zurich
Posts: 14
Groaned at 0 Times in 0 Posts
Thanked 5 Times in 5 Posts
pabloras has no particular reputation at present
Re: What to do with 100k CHF?

Quote:
View Post
Saving is not investing....first decide which you want to do.

Personally to invest with lowish risk;

50-75% in a solid equity investment fund like Fundsmith
Some in a physical gold ETF
Some in an emerging markets ETF

All of these can be easily liquidated

*edit well these are not low risk compared to cash, but are lowish risk for an investment that can grow nicely over time*
I have also actually considered gold ETF. There are ETFs available by ZKB in the Swiss Exchange both in EUR and CHF. But, if one examines the historical prices of gold... it is not safe (as it is considered) but rather risky. Example: From mid 2011 til now.
Reply With Quote
  #86  
Old 01.02.2017, 16:10
jbrady's Avatar
RIP
 
Join Date: Apr 2007
Location: Sunny Aargau
Posts: 1,044
Groaned at 13 Times in 9 Posts
Thanked 719 Times in 359 Posts
jbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond repute
Re: What to do with 100k CHF?

You could always live dangerously. Put it all on the Watford vs Burnley game - on Burnley.
If it works out you would have 30 years investments back. If not - start again.
Check out my prediction. And weep.
Ok I have invested 100 chf
Reply With Quote
  #87  
Old 01.02.2017, 17:08
Phil_MCR's Avatar
Forum Legend
 
Join Date: Oct 2009
Location: Basel
Posts: 15,373
Groaned at 303 Times in 203 Posts
Thanked 19,567 Times in 8,248 Posts
Phil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond reputePhil_MCR has a reputation beyond repute
Re: What to do with 100k CHF?

Did you work out how much money you would have made? :P
Reply With Quote
  #88  
Old 01.02.2017, 17:34
jbrady's Avatar
RIP
 
Join Date: Apr 2007
Location: Sunny Aargau
Posts: 1,044
Groaned at 13 Times in 9 Posts
Thanked 719 Times in 359 Posts
jbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond repute
Re: What to do with 100k CHF?

When I posted it was 3 to 1 - now it is 5 to 2.
Odds are dropping.

My 100 CHF were fixed at just over 3 to 1.
Burnley won last night and have just signed their most expensive ever played yesterday.

Worth a flutter.
Used to work for Clearstream on the overnight markets in Luxembourg - this is where you make money - not sure how you join the club.
Reply With Quote
  #89  
Old 02.02.2017, 11:01
KevNice's Avatar
Junior Member
 
Join Date: May 2012
Location: Altstette
Posts: 99
Groaned at 6 Times in 3 Posts
Thanked 96 Times in 35 Posts
KevNice is considered knowledgeableKevNice is considered knowledgeableKevNice is considered knowledgeable
Re: What to do with 100k CHF?

Dig a hole in the ground and put it there. Zero interest might still beat interest rates in a few years!
Reply With Quote
  #90  
Old 02.02.2017, 14:50
Forum Veteran
 
Join Date: Oct 2014
Location: Lausanne
Posts: 863
Groaned at 11 Times in 9 Posts
Thanked 381 Times in 268 Posts
Tinkiwinki has earned some respectTinkiwinki has earned some respect
Re: What to do with 100k CHF?

Quote:
View Post
Increased valuations is an issue of all asset classes, the valuations of the companies Fundsmith invests in is marginally below the market average or was last time I looked.
Identifying the issues you highlight is good, the problem being once identifying the issue is what to do as other investments are less appealing, so diversification for the sake of it, will produce lower returns which is what actually happens to every fund that has over 100 investments in it's portfolio. Worst example is an ISA my fiancée has, £6000 that is split between 20 investment funds all with several hundred investments. After many years it's worth about £6600, which is why she never borrowed to commit more money.

Personally buying a house with a 20 percent deposit exposes you to a far greater risk than I am taking. You have to remember that anyone who has made serious money on the stock market, Goldman Sachs partners at floatation for example had almost all their money in just 1 stock. The Buffet partnership had 40% in just 1 stock.
Will it only be 100K to invest and leave for your (grand)children or will you have another 100K next year to invest? You were able to save this amount, you may be able to save a similar amount again.

investing it into Fundsmith until it reaches for example the value of the house you are living in. Then it may become a different story. Would you invest 1,000K differently than 100K? it all depends on your objective
Reply With Quote
  #91  
Old 02.02.2017, 15:48
Newbie 1st class
 
Join Date: Aug 2015
Location: Zug
Posts: 18
Groaned at 5 Times in 2 Posts
Thanked 4 Times in 4 Posts
AlNik has no particular reputation at present
Re: What to do with 100k CHF?

Quote:
View Post
I have also actually considered gold ETF. There are ETFs available by ZKB in the Swiss Exchange both in EUR and CHF. But, if one examines the historical prices of gold... it is not safe (as it is considered) but rather risky. Example: From mid 2011 til now.
I am always advising and employing a hedged approach to investment.

So, in this environment of low interest rates and shaky recovery, one has to take into account the risks and upsides.

If your primary scenario is that the world economy will steadily recover over the next 5 years (mine is), I would invest most of the money in funds that invest in real estate, main European and US indices, selected Asian markets, government and corporate bonds (selected industry). If the economy continues in the path of stable recovery - then these funds will benefit.

At the same time - I would put 10-20% into Gold ETF to hedge against the political/economical risks.. If DJIA/European stocks tumble, gold will compensate for the loss. Plus, you get the dividends from your investments in stocks if everything goes well.

Gold is not a great investment as it does not yield returns, but should always be considered as a hedge.
Reply With Quote
This user would like to thank AlNik for this useful post:
  #92  
Old 02.02.2017, 16:20
jbrady's Avatar
RIP
 
Join Date: Apr 2007
Location: Sunny Aargau
Posts: 1,044
Groaned at 13 Times in 9 Posts
Thanked 719 Times in 359 Posts
jbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond reputejbrady has a reputation beyond repute
Re: What to do with 100k CHF?

I am thinking of investing in donkey cheese. Essel Kase.
It sells for about 1000 euros a kilo.
Apparently donkeys are hard to milk - which is why it is so expensive.
If you could find extra ways to make money from the donkeys while waiting for their milk, it would be a bit like a dividend.
Maybe after the last two weeks in america, we end up going back to basic investments and bartering.
Can we hedge against armageddon? Who pays out when you win?
Reply With Quote
  #93  
Old 02.02.2017, 18:50
Guest
 
Posts: n/a
Re: What to do with 100k CHF?

If you want swiss real estate; look at crowdhouse:


https://crowdhouse.ch/en/


They information session regularly in German; you basically buy a part of rental building. Your earn 5 to 7% on the rental income and the upside on the building value when it is sold after 5 to 10 years depending on the building.
Reply With Quote
  #94  
Old 02.02.2017, 19:31
Newbie 1st class
 
Join Date: Aug 2015
Location: Zug
Posts: 18
Groaned at 5 Times in 2 Posts
Thanked 4 Times in 4 Posts
AlNik has no particular reputation at present
Re: What to do with 100k CHF?

Quote:
View Post
I am thinking of investing in donkey cheese. Essel Kase.
It sells for about 1000 euros a kilo.
Apparently donkeys are hard to milk - which is why it is so expensive.
Another thing that comes to mind is raspberries. Bloody hell, they are expensive in Coop (almost 4 CHF for 250g, from Spain). Not sure how much of that goes to the primary producer and how much to the middle man (Cold Storage providers). I am definitely thinking about buying some land in Spain and growing this.
Reply With Quote
  #95  
Old 02.02.2017, 19:43
Guest
 
Posts: n/a
Re: What to do with 100k CHF?

Spend it ?
Reply With Quote
  #96  
Old 02.02.2017, 22:15
Meadow's Avatar
Senior Member
 
Join Date: Jul 2016
Location: Zurich
Posts: 272
Groaned at 6 Times in 5 Posts
Thanked 95 Times in 63 Posts
Meadow has no particular reputation at present
Re: What to do with 100k CHF?

Quote:
View Post
If you want swiss real estate; look at crowdhouse:


https://crowdhouse.ch/en/


They information session regularly in German; you basically buy a part of rental building. Your earn 5 to 7% on the rental income and the upside on the building value when it is sold after 5 to 10 years depending on the building.
Interesting. But they claim to achieve 4-6% compared to a 1-4% by a real estate fund. If you check SRFCHA (UBS Swiss Real Estate) ETF, it has had a 5.8% annual return since inception (6 years). Am I missing something?
Reply With Quote
  #97  
Old 02.02.2017, 22:24
Forum Veteran
 
Join Date: Jan 2008
Location: Near Luzern
Posts: 1,861
Groaned at 147 Times in 85 Posts
Thanked 2,602 Times in 1,112 Posts
Patxi has a reputation beyond reputePatxi has a reputation beyond reputePatxi has a reputation beyond reputePatxi has a reputation beyond reputePatxi has a reputation beyond reputePatxi has a reputation beyond repute
Re: What to do with 100k CHF?

Open up a Toyota dealership in Al-Raqqah.
Reply With Quote
This user groans at Patxi for this post:
  #98  
Old 03.02.2017, 10:45
Guest
 
Posts: n/a
Re: What to do with 100k CHF?

Quote:
View Post
Interesting. But they claim to achieve 4-6% compared to a 1-4% by a real estate fund. If you check SRFCHA (UBS Swiss Real Estate) ETF, it has had a 5.8% annual return since inception (6 years). Am I missing something?


You seem to know the market. The UBS real Estate ETF is also quite good and liquid. The returns could be higher at this time because the real estate is in high demand with low rates. With crowdhouse you also participate in the building appreciation.
Reply With Quote
  #99  
Old 03.02.2017, 11:36
fatmanfilms's Avatar
Forum Legend
 
Join Date: Apr 2010
Location: Verbier
Posts: 21,376
Groaned at 461 Times in 352 Posts
Thanked 23,091 Times in 11,824 Posts
fatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond reputefatmanfilms has a reputation beyond repute
Re: What to do with 100k CHF?

Quote:
View Post
Will it only be 100K to invest and leave for your (grand)children or will you have another 100K next year to invest? You were able to save this amount, you may be able to save a similar amount again.

investing it into Fundsmith until it reaches for example the value of the house you are living in. Then it may become a different story. Would you invest 1,000K differently than 100K? it all depends on your objective
My investments in Fundsmith exceeds the value of the house I live in.

I would not have a problem having 1 million or 10 million in Fundsmith. If Diversification means buying lower quality assets I am not interested.
Quote:
View Post
You seem to know the market. The UBS real Estate ETF is also quite good and liquid. The returns could be higher at this time because the real estate is in high demand with low rates. With crowdhouse you also participate in the building appreciation.
In both cases you participate in any changes in the market value of the Property, which could easily be negative. Buildings generally depreciate, it's the land value that increases. This should be a warning to owners of flats.
Reply With Quote
  #100  
Old 03.02.2017, 13:11
Forum Veteran
 
Join Date: Mar 2010
Location: Greater Zürich Area
Posts: 1,065
Groaned at 162 Times in 100 Posts
Thanked 896 Times in 467 Posts
EPMike has a reputation beyond reputeEPMike has a reputation beyond reputeEPMike has a reputation beyond reputeEPMike has a reputation beyond repute
Re: What to do with 100k CHF?

Quote:
View Post
My investments in Fundsmith exceeds the value of the house I live in.

I would not have a problem having 1 million or 10 million in Fundsmith. If Diversification means buying lower quality assets I am not interested.

In both cases you participate in any changes in the market value of the Property, which could easily be negative. Buildings generally depreciate, it's the land value that increases. This should be a warning to owners of flats.
Doesn't diversification ALWAYS come at the cost of also investing in [lower quality] assets with lower return? Otherwise there would always be one single best asset. IMHO diversification is an insurance (with a premium) against the chance that the single best asset will at some point no longer be the best anymore or in worst case it would be a very bad asset to hold. In other words one knowingly puts some eggs into a basket which currently is not he best basket but which would be safe if the best basket is dropped.
Reply With Quote
The following 2 users would like to thank EPMike for this useful post:
Reply

Tags
interest rate, investment, saving




Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
What to do with figs? st2lemans Food and drink 38 20.08.2014 15:13
What do you do with a child that just doesn't seem to fit in? chrisinzurich Family matters/health 59 26.09.2012 21:57
Got quite some CHF any advice what to do with it as in Investing ukal123 Finance/banking/taxation 25 12.01.2011 16:46
What is so special about this 100K Swiss watch? iamcanadian Daily life 3 19.08.2007 17:40


All times are GMT +2. The time now is 22:21.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2023, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0