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  #141  
Old 24.08.2019, 11:47
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Re: What to do with 100k CHF?

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that is quite remarkable indeed.
could one open an account there without a UK address?

edit: hmmm...
Yes, you can
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  #142  
Old 24.08.2019, 13:10
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Re: What to do with 100k CHF?

Low risk: NEVER put (or borrow) it in any vehicle in a different currency than yours. Ask the Hungarians (and Poles to some extend) why

That means, leave the assets in CHF.

If you don't mind having the money sitting there for 20+ years, invest in stocks (fees usually only for buy and sale, even from expensive brokers)

Check what they pay for dividends. Some banks are still good on that (I won't single one out, there is always some risk involved, just less than if you buy some companies in a more volatile field like property builders..)

TelCos (Swisscom - or Sunrise), Sunrise currently is at 72 CHF and paid 4.20 CHF last year. If you can afford to stick with them 20 years, and it stays the same, you'll have more than doubled your investment. Plus you ought to re-invest the dividend at some time, making it a steady 5%+ growth

Other companies offer similar dividends.
Currently probably a good bet. But not zero risk.
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  #143  
Old 24.08.2019, 14:08
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Re: What to do with 100k CHF?

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Low risk: NEVER put (or borrow) it in any vehicle in a different currency than yours. Ask the Hungarians (and Poles to some extend) why

That means, leave the assets in CHF.

If you don't mind having the money sitting there for 20+ years, invest in stocks (fees usually only for buy and sale, even from expensive brokers)

Check what they pay for dividends. Some banks are still good on that (I won't single one out, there is always some risk involved, just less than if you buy some companies in a more volatile field like property builders..)

TelCos (Swisscom - or Sunrise), Sunrise currently is at 72 CHF and paid 4.20 CHF last year. If you can afford to stick with them 20 years, and it stays the same, you'll have more than doubled your investment. Plus you ought to re-invest the dividend at some time, making it a steady 5%+ growth

Other companies offer similar dividends.
Currently probably a good bet. But not zero risk.
Sunrise was higher 5 years ago than today & 22% higher a year ago.

Swisscom was 533 5 years ago v 478 today thats an 11% loss over 5 years it is however up 8% over the last year.

You seem to be hooked on dividends which are taxable v capital gains that are tax free. I would not give up your day job just yet.

SMI up 12.5% in 5 years. Fundsmith outperformed the SMI in CHF by 105% over 5 years. Nestle was even in the FS portfolio for 4 1/2 of those 5 years,

Last edited by fatmanfilms; 24.08.2019 at 14:24. Reason: added SMI ....
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  #144  
Old 24.08.2019, 16:37
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Re: What to do with 100k CHF?

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Low risk: NEVER put (or borrow) it in any vehicle in a different currency than yours. Ask the Hungarians (and Poles to some extend) why
taking long-term debt (mortgages) in a foreign currency is a vastly different story than investing in foreign currency. In case of Hungary, if they all had invested in CHF before, the whole country would be pretty rich by now

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TelCos (Swisscom - or Sunrise), Sunrise currently is at 72 CHF and paid 4.20 CHF last year. If you can afford to stick with them 20 years, and it stays the same, you'll have more than doubled your investment. Plus you ought to re-invest the dividend at some time, making it a steady 5%+ growth
A dividend strategy generally doesn't work in CH. The gains are fairly small compared to the volatility of the papers, plus get they double taxed (2x15%) until declared (when they drop to 15%) as FMF wrote. Capital gains are tax free.
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  #145  
Old 24.08.2019, 17:14
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Re: What to do with 100k CHF?

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Over 5 years Fundsmith has massively out performed the S&P 500
Inspired by FMF (who was very helpful), I opened an account with Hargreaves Lansdown 2 months ago and split my investment.

Fundsmith Equity: 45%
Lindsell Train: 22.5%
Smithson Investment Trust: 22.5%
Cash: 10% (In case I find a good opportunity and to pay any charges)

In 2 months it's grown by 5%. Not that I can judge it's long term success in a few weeks. I intend to leave it alone for next 20 years or so.
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  #146  
Old 24.08.2019, 17:17
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Re: What to do with 100k CHF?

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Inspired by FMF (who was very helpful), I opened an account with Hargreaves Lansdown 2 months ago and split my investment.

Fundsmith Equity: 45%
Lindsell Train: 22.5%
Smithson Investment Trust: 22.5%
Cash: 10% (In case I find a good opportunity and to pay any charges)

In 2 months it's grown by 5%. Not that I can judge it's long term success in a few weeks. I intend to leave it alone for next 20 years or so.
20 Years is a great investment horizon.

You can be sure that whenever you start a new position or significantly add to a position the market will drop at least 5% in the next 6 months, it happened to both myself & my wife with FS
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  #147  
Old 30.08.2019, 11:11
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Re: What to do with 100k CHF?

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20 Years is a great investment horizon.

You can be sure that whenever you start a new position or significantly add to a position the market will drop at least 5% in the next 6 months, it happened to both myself & my wife with FS
In my mind, I have invested - waiting for that 5% dip to execute [forgive the obvious troll, have placed a buy on SSON and am waiting for that dip]
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  #148  
Old 30.08.2019, 11:32
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Re: What to do with 100k CHF?

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In my mind, I have invested - waiting for that 5% dip to execute [forgive the obvious troll, have placed a buy on SSON and am waiting for that dip]



Why wait, makes no sense ass such unless you are sure of the dip, both the size and the time.



By waiting, share price increases by 10% you wait fcor a 5% dip, you are still 5% down on what you would have been
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  #149  
Old 30.08.2019, 12:10
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Re: What to do with 100k CHF?

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Why wait, makes no sense ass such unless you are sure of the dip, both the size and the time.



By waiting, share price increases by 10% you wait fcor a 5% dip, you are still 5% down on what you would have been
best wait for a 60% dip to be sure then!
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  #150  
Old 30.08.2019, 12:37
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Re: What to do with 100k CHF?

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best wait for a 60% dip to be sure then!
the next crisis is inevitable, and that 60% may happen but... I guess I walked-in on the jokes I have the assets invested, next time will be sure to tag with #sarcasm instead of #troll
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  #151  
Old 30.08.2019, 12:49
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Re: What to do with 100k CHF?

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best wait for a 60% dip to be sure then!



But if shares have gone up 100% during the time you been waiting.....
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  #152  
Old 30.08.2019, 13:16
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Re: What to do with 100k CHF?

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But if shares have gone up 100% during the time you been waiting.....
...it would have been worth the wait
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  #153  
Old 30.08.2019, 19:09
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Re: What to do with 100k CHF?

I just notices that the yield on S&P500 is 1.95% v 1.91 on 30 year US Treasury bonds. This implies shares are cheap verses bonds, the last time this happened was in March 2009
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  #154  
Old 01.09.2019, 09:15
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Re: What to do with 100k CHF?

Anyone ever hear of or know of Crowdhouse?

https://crowdhouse.ch/en/

Clicked on their ad and found out that they want investors (100k min) to be Swiss property co-owners.
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  #155  
Old 01.09.2019, 09:57
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Re: What to do with 100k CHF?

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Anyone ever hear of or know of Crowdhouse?

https://crowdhouse.ch/en/

Clicked on their ad and found out that they want investors (100k min) to be Swiss property co-owners.
search the forums, you will find these:
https://www.englishforum.ch/finance-...-property.html

https://www.englishforum.ch/finance-...r-lending.html

https://www.englishforum.ch/business...investing.html
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