Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
View Poll Results: What to invest in?
Pension, every time - save for the future 1 5.88%
Banks - give it to the bank and pay off your mortgage 1 5.88%
Invest in stocks and shares - 'cos gambling is best 13 76.47%
70k? That's pocket change to me 2 11.76%
Voters: 17. You may not vote on this poll

Reply
 
Thread Tools Display Modes
  #21  
Old 06.02.2020, 19:56
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,975
Groaned at 2,037 Times in 1,121 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Investing cash... opinions please...

Quote:
View Post
Get a property in selected location outside of CH and rent it out!
70k. Not enough to even buy a dunny in CH
Reply With Quote
  #22  
Old 06.02.2020, 19:57
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,046
Groaned at 363 Times in 304 Posts
Thanked 13,872 Times in 6,476 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Investing cash... opinions please...

Quote:
View Post
70k. Not enough to even buy a dunny in CH
What is a dunny?
Reply With Quote
  #23  
Old 06.02.2020, 19:59
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,975
Groaned at 2,037 Times in 1,121 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Investing cash... opinions please...

Quote:
View Post
What is a dunny?
An out house in Australia. A toilet Whos illiterate?

early 19th century (in the sense ‘dung’): from dialect dunnekin ‘privy’, probably from dung + archaic slang ken ‘house’. dunny (sense 1) is perhaps a different word.
Reply With Quote
  #24  
Old 06.02.2020, 20:04
fatmanfilms's Avatar
The Marmite Moderator
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,934
Groaned at 447 Times in 341 Posts
Thanked 22,137 Times in 11,486 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: Investing cash... opinions please...

Quote:
View Post
However, if you have the discipline to save and invest regularly and over time, you can begin to build substantial wealth as you snowball grows.
Thats what I did throughout my life, it has definitely paid off.
Reply With Quote
This user would like to thank fatmanfilms for this useful post:
  #25  
Old 06.02.2020, 20:10
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,975
Groaned at 2,037 Times in 1,121 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Investing cash... opinions please...

Quote:
View Post
Thats what I did throughout my life, it has definitely paid off.

so what would be the safest high return investment?
Reply With Quote
  #26  
Old 06.02.2020, 20:20
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,046
Groaned at 363 Times in 304 Posts
Thanked 13,872 Times in 6,476 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Investing cash... opinions please...

Quote:
View Post
An out house in Australia. A toilet Whos illiterate?

early 19th century (in the sense ‘dung’): from dialect dunnekin ‘privy’, probably from dung + archaic slang ken ‘house’. dunny (sense 1) is perhaps a different word.


No, never heard of a dunny. Not being fluent in a language doesn´t make you illiterate.
Reply With Quote
  #27  
Old 06.02.2020, 20:31
hairybadger's Avatar
Forum Veteran
 
Join Date: Dec 2013
Location: Geneva area
Posts: 544
Groaned at 2 Times in 2 Posts
Thanked 751 Times in 302 Posts
hairybadger has a reputation beyond reputehairybadger has a reputation beyond reputehairybadger has a reputation beyond reputehairybadger has a reputation beyond repute
Re: Investing cash... opinions please...

Quote:
View Post
No, never heard of a dunny. Not being fluent in a language doesn´t make you illiterate.
It's very Australian. You can't be expected to know every expression from every dialect, even the main ones. Many Brits would struggle with "dunny". On occasion I have to ask an Australian friend what he's talking about .
Reply With Quote
This user would like to thank hairybadger for this useful post:
  #28  
Old 06.02.2020, 20:33
fatmanfilms's Avatar
The Marmite Moderator
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,934
Groaned at 447 Times in 341 Posts
Thanked 22,137 Times in 11,486 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: Investing cash... opinions please...

Quote:
View Post
so what would be the safest high return investment?
My most profitable investment of all time is now Fundsmith, well over 50% of my net worth is from F.S. profit over the last 7 years. Compound returns are an amazing thing over time. I invested as I wished to reduce my risk appetite with the intent of retiring a couple of years later, whilst I had had a slightly higher return but with huge volatility.
Reply With Quote
  #29  
Old 06.02.2020, 20:34
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,975
Groaned at 2,037 Times in 1,121 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Investing cash... opinions please...

Quote:
View Post
It's very Australian. You can't be expected to know every expression from every dialect, even the main ones. Many Brits would struggle with "dunny". On occasion I have to ask an Australian friend what he's talking about .

yes only an Ocker would understand
Reply With Quote
  #30  
Old 06.02.2020, 20:36
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,046
Groaned at 363 Times in 304 Posts
Thanked 13,872 Times in 6,476 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Investing cash... opinions please...

Quote:
View Post
My most profitable investment of all time is now Fundsmith, well over 50% of my net worth is from F.S. profit over the last 7 years. Compound returns are an amazing thing over time.
I´ll let you know, just started investing in some Fundsmith funds
Reply With Quote
  #31  
Old 06.02.2020, 20:46
fatmanfilms's Avatar
The Marmite Moderator
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,934
Groaned at 447 Times in 341 Posts
Thanked 22,137 Times in 11,486 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: Investing cash... opinions please...

Quote:
View Post
I´ll let you know, just started investing in some Fundsmith stock.
January was a good month in Euro +3.5% & in £+2.7%, so you should be in profit

Over 5 years CHF is the 3rd worst currency of USD, EURO, CHF, GBP in that order.

Over 3 years strongest currency is GBP, EURO, CHF, USD

Amazing people see CHF cash as a sure thing.
Attached Thumbnails
investing-cash-opinions-please-screenshot-2020-02-06-20.41.38.png  
Reply With Quote
  #32  
Old 06.02.2020, 20:47
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,975
Groaned at 2,037 Times in 1,121 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Investing cash... opinions please...

Quote:
View Post
It's very Australian. You can't be expected to know every expression from every dialect, even the main ones. Many Brits would struggle with "dunny". On occasion I have to ask an Australian friend what he's talking about .

Here ja go mate!


https://hooshmand.net/the-profession...ssie-glossary/
Reply With Quote
  #33  
Old 06.02.2020, 20:50
Banned
 
Join Date: Oct 2007
Location: CH
Posts: 10,975
Groaned at 2,037 Times in 1,121 Posts
Thanked 5,139 Times in 3,246 Posts
omtatsat omtatsat omtatsat omtatsat omtatsat
Re: Investing cash... opinions please...

Quote:
View Post
January was a good month in Euro +3.5% & in £+2.7%, so you should be in profit

Over 5 years CHF is the 3rd worst currency of USD, EURO, CHF, GBP in that order.

Over 3 years strongest currency is GBP, EURO, CHF, USD

Amazing people see CHF cash as a sure thing.
What do these figures mean anyhow? ( in the tabel )
Reply With Quote
  #34  
Old 06.02.2020, 20:55
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 11,046
Groaned at 363 Times in 304 Posts
Thanked 13,872 Times in 6,476 Posts
roegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond reputeroegner has a reputation beyond repute
Re: Investing cash... opinions please...

Quote:
View Post
January was a good month in Euro +3.5% & in £+2.7%, so you should be in profit

Over 5 years CHF is the 3rd worst currency of USD, EURO, CHF, GBP in that order.

Over 3 years strongest currency is GBP, EURO, CHF, USD

Amazing people see CHF cash as a sure thing.
Thanks, yes, I went for EUR
Reply With Quote
This user would like to thank roegner for this useful post:
  #35  
Old 06.02.2020, 20:56
fatmanfilms's Avatar
The Marmite Moderator
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,934
Groaned at 447 Times in 341 Posts
Thanked 22,137 Times in 11,486 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: Investing cash... opinions please...

Quote:
View Post
What do these figures mean anyhow? ( in the tabel )
If you had invested 10,000 CHF 1 year ago you would have 12,043 CHF today
If you had invested 10,000 CHF 3 years ago you would have 16,365 CHF today
If you had invested 10,000 CHF 5 years ago you would have 20,737 CHF today
Reply With Quote
  #36  
Old 06.02.2020, 22:18
Forum Legend
 
Join Date: Apr 2008
Location: Zurich
Posts: 3,624
Groaned at 70 Times in 49 Posts
Thanked 3,794 Times in 2,054 Posts
rainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond reputerainer_d has a reputation beyond repute
Re: Investing cash... opinions please...

Yes, but those are all missed opportunities.

Nobody knows what's in the future.

I especially "hate" that on top of all the QE stuff, corporations use stock buy-backs to prop the value of the stock.

Also, central banks have no more means left safe of literally throwing money out of helicopters once the next recession comes along - and it might already be knocking on our doors, depending on how this corona-virus thing turns out.

It could take a long, long time for stocks to recover to these levels (if ever).
Reply With Quote
  #37  
Old 06.02.2020, 22:52
fatmanfilms's Avatar
The Marmite Moderator
 
Join Date: Apr 2010
Location: Verbier
Posts: 20,934
Groaned at 447 Times in 341 Posts
Thanked 22,137 Times in 11,486 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: Investing cash... opinions please...

Quote:
View Post
It could take a long, long time for stocks to recover to these levels (if ever).
All Fundsmith companies have a predictable income stream with a growing free cash flow, so the value of those companies will still grow even if the PE drops over time.

You will need pretty good eyesight to see the 1987 stock market crash in the 1965-2018 S&P 500 graph below. Second graph is the preceding 37 years ending in 1965, thats when Warren Buffet took control of Berkshire Hathaway ......

Stock buy backs are hugely good for investors in a good companies as your fractional shareholding increases without further investment.
Attached Images
  
Reply With Quote
Reply

Tags
investment, mortgage, pension




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
Investing in the UK JonnyForeigner Other/general 19 17.10.2019 10:53
2nd pillar -to cash or not to cash? Marsalforn Finance/banking/taxation 13 29.09.2017 16:20
Where I can get the best rates to exchange 10000CHF in cash for GBP in cash? meklermoshe Finance/banking/taxation 17 18.12.2014 23:12
I have EUR (cash); I want CHF (via bank or cash). Travelpleb Business & entrepreneur 8 06.05.2013 18:57
whose frm uk and investing now with chf hollisterb Finance/banking/taxation 1 17.08.2011 14:26


All times are GMT +2. The time now is 07:42.


Powered by vBulletin® Version 3.8.4
Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.
LinkBacks Enabled by vBSEO 3.1.0