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  #221  
Old 02.09.2020, 10:04
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Re: Do you think about your future/retirement etc?

i'm 30 and started investing since last year (stocks, crypto, some gold), the truth is I never received any financial education from my parents, typical asian way was to make babies so they take care of you (also financially) when you're old. And now my mother is expecting that from me and my brother of course, that we pay for her retirement.

I wish I realized about the importance of investing earlier, I hope it's not too late now... I also started different side businesses and hope that one day one of them could become a source of passive income.

I think I still want to work a little when I retire, I'm a creative and I always find things I enjoy to work on, so my goal is to "retire" at 50 but continue to work 20% on my own projects, 10% doing volunteer work, living in a small house with 1 bedroom and 2 workshops (one for me one for my hubby), and a chicken as a pet.

I don't want to overthink about future, but I think it's important to be financially prepared so I'll have options. I'm not one of those FIRE movement people who lives extremely frugal, even though I work extremely hard to make money, I eat out and buy myself good wine from time to time because I also want to enjoy now. Maybe I die tmr who knows. I think there can be a good balance.

Most of my friends same age as me here in Switzerland don't think about retirement cuz by then they'll inherit a house, a bunch of money and maybe two cars from their parents. And sometimes they're like "Oh spaghetti only thinks about money" aber sori geil I have to.
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  #222  
Old 02.09.2020, 10:11
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Re: Do you think about your future/retirement etc?

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Most of my friends same age as me here in Switzerland don't think about retirement cuz by then they'll inherit a house, a bunch of money and maybe two cars from their parents.

Yes that is so true. If you inherit a house in Switzerland, you are automatically a millionaire. Unless you have 5 brothers and sisters
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  #223  
Old 02.09.2020, 10:34
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Re: Do you think about your future/retirement etc?

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Yes that is so true. If you inherit a house in Switzerland, you are automatically a millionaire. Unless you have 5 brothers and sisters
Several people at work inherited houses . What they effectively inherited were mortgages . After selling the house , settling with the bank and splitting with their siblings , there wasn‘t really that much left.

For many people moving into their parent‘s house is not practical . They may already have something plus the parent‘s house may not be well sited for their work etc.
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  #224  
Old 02.09.2020, 10:38
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Re: Do you think about your future/retirement etc?

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Yes that is so true. If you inherit a house in Switzerland, you are automatically a millionaire. Unless you have 5 brothers and sisters
The big joke is you inherit a mortgage & take on a house that may need a million of refurbishment, possibly not the ideal retirement gift.
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  #225  
Old 02.09.2020, 10:54
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Re: Do you think about your future/retirement etc?

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The big joke is you inherit a mortgage & take on a house that may need a million of refurbishment, possibly not the ideal retirement gift.
How often or likely would it be that a house you inherit "needs" 1 million in refurbishment? And by "needs", do you mean it needs the refurbishment to even be sold? It seems like an extreme example.
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  #226  
Old 02.09.2020, 11:11
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Re: Do you think about your future/retirement etc?

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How often or likely would it be that a house you inherit "needs" 1 million in refurbishment? And by "needs", do you mean it needs the refurbishment to even be sold? It seems like an extreme example.
On the assumption one of your parents live to 90, it's likely a property was bought 40-50 years ago. During the last 25 years as retirees they will have unlikely spent a huge amount on the place. If you are lucky & they own a house it's possible the house can be knocked down & replaced with 2 houses on the plot. Likely a far better deal than refurbishing. You have to remember that the Swiss like 'new' & 'white', many 50 year old buildings don't fit the bill.
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  #227  
Old 02.09.2020, 11:17
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Re: Do you think about your future/retirement etc?

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I went in mid July when there were rumblings of delays in the intel next gen chip releases. This puts them behind AMD for the next 2 years. I could be completely wrong. AMD has dragged itself out of the mid tier and into high with it's threadripper set. They've still got the bottom covered as well with their Ryzen set. It will be an interesting few years and should hopefully push innovation in both companies, but as a PC enthusist I'm happy to see more competition in the market.
Desktop market share is near 50/50, and laptops are taking a huge dive by intel as Lenovo turns to AMD. Well huge might be overstating it AMD doubled it's share, or Intel lost 10%.... Lenovo, HP, Asus, Origin laptops are all starting to put AMD in their mid-high level models.
intel have lost credibility. their process is delayed and nobody belives them any more. their engineering departement is in shambles - at least Murthy has now left/been kicked out so things should improve in the medium term. amd has now a clear 2 year runway to take market share. possibly more as the tsmc 5nm process looks like it is yielding well and so AMD will maintain its lead for maybe even longer.

luckily for intel it's a big and growing datacentre market and amd is too small to displace them. however, amd are going to take a big chunk of market share and intel has no response no. they can't afford to cut prices much without taking a huge financial hit.

every dollar gained by AMD is probably ~$1.50 lost to intel. there are clear risks for intel: permanently losing a large chunk of market share, losing monopoly pricing power, have large expensive fabs as stranded assets. for sure these are tail risks rather than base cases, but they are there.

sad that i got too greedy waiting for an asml share price sub-$140..
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  #228  
Old 02.09.2020, 11:18
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Re: Do you think about your future/retirement etc?

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How often or likely would it be that a house you inherit "needs" 1 million in refurbishment? And by "needs", do you mean it needs the refurbishment to even be sold? It seems like an extreme example.
What sometimes happens is that a house appreciates in value due to the land appreciating in value. The house is old and needs refurbishment but mum und dad are unable to set aside enough money to keep the refurbishment pot filled. So they go to the bank and refinance or take an additional mortgage, using up the leverage created when the house increased in value. Another 15 or 20 years down the road, another big repair is needed and they do it again. And seeing credit was so cheap, they also took some for the caravan and for that cruise and to pay for Julia's wedding.

When ma and pa finally pop their clogs, Urs, Reto and Julia come along believing they've hit a jackpot, seeing the house they remember being worth 200K back in the day is apparently now worth 2M. Until the bank tells them how much of that is debt.

Maybe in hindsight they would have made more if they had left the house unrefurbished and sold it as is. But you can't unrefurbish a house. And the whole point of living there is that it should be liveable.
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  #229  
Old 19.09.2020, 11:49
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Re: Do you think about your future/retirement etc?

Thought I would post some thoughts as I work through my Mind Map on Retirement; it just works for me in order to visualise all the different aspects. (this is just a few as there is much more)

Legacy: That is quite simple for me as I just write a will leaving it to my children, there is no death duties and is quite straight forward, if I go for plan A which is to stay in Switzerland.

Emergency Fund: not really thought about this one but the advice is to hold 24 months worth of expenses in cash. (in the bank of course not cash, cash under the mattress)

Expenditure: Interesting article I read was that retirees underestimate how much they will spend and believe they will spend a lot less, the advice is to plan 100% of what you spend now.

Another piece of advice on this is to reduce your expenditure now in order to increase what you can save. Also pay down any debts you currently have, I think this is wise advice. In my case, no car, no motorbike, and I plan to move to a cheaper apartment in order to save 1K a month on/before next March.

Pillar 1 pension: Interesting that if you work an additional 5 years you can currently get just over an additional 31% from this. It is not my desire to work for my current company that long but I am going to ask as I want to understand all possibilities. I am certainly considering working part-time but more likely doing something that I feel is more rewarding.

Parent/Child: Try to make them financially independent and not dependant on you (this is the advice given which I agree with). My situation is fluid but if they do end up with me then I can get a housing allowance contribution.

My youngest daughter is getting a job a couple of hours a week and we encourage them all to do similar. Lots of other things too, making my son take care of his admin now, getting him up to speed on banking etc... ditto for the other two.

Financing Retirement: This is more specifically how and where your money is invested, whether you choose to draw all the money from your 2nd pillar pension or take monthly payments. Where you invest the rest, property, stock, bonds, funds, precious metals etc. A few key dates about making decisions on your 2nd pillar pension are 58, 63 & 65 years old.

Net worth: understanding what is your net worth and where it is & maybe you need to review that. Mine is a fraction of what it was when I came to Switzerland due to divorce; however it is what it is as they say and going to make the best of what I have! In the next year I should have a pretty solid figure for what that is looking like. (Apartment can be sold at the end of April 2022 but we can advertise it and even get a buyer beforehand).

Certainly I have played around with a few financial calculations and even now just over five years off retirement making a few changes can make a significant difference.

Life Expectancy: A lot of people underestimate how long they will live and overall life a lot longer than anticipated and not always in the best health, so that can have a dramatic impact on costs. If you have no clue then 95 is recommended as a reasonable assumption.

That is it for today, hope this is useful as we all hope to retire one day and live a great life
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  #230  
Old 20.09.2020, 11:48
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Re: Do you think about your future/retirement etc?

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Life Expectancy: A lot of people underestimate how long they will live and overall life a lot longer than anticipated and not always in the best health, so that can have a dramatic impact on costs. If you have no clue then 95 is recommended as a reasonable assumption.
95!!!!! If I make it that far I am sure life would be horrible. I think I will take the EXIT option long before that, unless I am still self-reliant. Depressing just thinking about it
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  #231  
Old 20.09.2020, 11:54
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Re: Do you think about your future/retirement etc?

EXIT for me too when the time comes. But why be depressed? My dad lived fit as a fiddle to age 96 - just gave up after mum died (aged 94).


If you have a Swiss pension btw- it is very possible to retire here- you just have to choose very carefully where the 'here' is. Some parts of Switzerland have property, to rent or buy, at a tiny % of the part of Switzerland you have experienced so far. I know several Brits who are retired in my region, and they live very well, due to above and close proximity to France.
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  #232  
Old 20.09.2020, 12:20
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Re: Do you think about your future/retirement etc?

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EXIT for me too when the time comes. But why be depressed? My dad lived fit as a fiddle to age 96 - just gave up after mum died (aged 94).

More like sad knowing that I won't be here one day or I will lose the people I love one day.



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If you have a Swiss pension btw- it is very possible to retire here-
Depends on the pension, no? Basic pension vs high earner's pension.



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you just have to choose very carefully where the 'here' is. Some parts of Switzerland have property, to rent or buy, at a tiny % of the part of Switzerland you have experienced so far. I know several Brits who are retired in my region, and they live very well, due to above and close proximity to France.
Do they speak French?
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  #233  
Old 20.09.2020, 13:40
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EXIT for me too when the time comes. But why be depressed? My dad lived fit as a fiddle to age 96 - just gave up after mum died (aged 94).


If you have a Swiss pension btw- it is very possible to retire here- you just have to choose very carefully where the 'here' is. Some parts of Switzerland have property, to rent or buy, at a tiny % of the part of Switzerland you have experienced so far. I know several Brits who are retired in my region, and they live very well, due to above and close proximity to France.
One of the retired Brits on the Forum always complain that their UK pension has dropped so much since they returned about 10 years ago
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  #234  
Old 20.09.2020, 17:07
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Re: Do you think about your future/retirement etc?

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If you take a Swiss Pillar 1 you will have to pay Swiss Health insurance when you living in Spain, you can have treatment in Spain or Switzerland as you wish.
Interesting thread. I've read the above here before but then not been able to find any further information about it. Can you provide a link? Anyone I've asked outside of this forum doesn't seem to have heard of it (but I haven't contacted any "authority" yet.) I just reached retirement age but still working at present. Seriously considering moving somewhere else - probably Portugal as I have friends there. I've not been able to find out anything definitive about this Pillar 1 question - I've even heard it's not completely clear whether Brits will be able to receive Pilar 1 outside of CH after Brexit...? I wouldn't be averse to keeping my Swiss health insurance in some ways.

Thanks.
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  #235  
Old 20.09.2020, 17:17
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Interesting thread. I've read the above here before but then not been able to find any further information about it. Can you provide a link? Anyone I've asked outside of this forum doesn't seem to have heard of it (but I haven't contacted any "authority" yet.) I just reached retirement age but still working at present. Seriously considering moving somewhere else - probably Portugal as I have friends there. I've not been able to find out anything definitive about this Pillar 1 question - I've even heard it's not completely clear whether Brits will be able to receive Pilar 1 outside of CH after Brexit...? I wouldn't be averse to keeping my Swiss health insurance in some ways.

Thanks.
https://www.bag.admin.ch/bag/en/home...m-ausland.html

I got an online quote from Helvetica, prices changed dramatically with country of Residence UK was more than 50% higher than Malta.
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  #236  
Old 20.09.2020, 17:21
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Re: Do you think about your future/retirement etc?

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https://www.bag.admin.ch/bag/en/home...m-ausland.html

I got an online quote from Helvetica, prices changed dramatically with country of Residence UK was more than 50% higher than Malta.
Just keep in mind that for some this may apply:

Persons in receipt of pensions from several states (but not from the state in which they reside) must take out health insurance in the country in which they have the longest contribution record.
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Old 20.09.2020, 17:26
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Re: Do you think about your future/retirement etc?

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Just keep in mind that for some this may apply:

Persons in receipt of pensions from several states (but not from the state in which they reside) must take out health insurance in the country in which they have the longest contribution record.
It's possible to take the Swiss Pillar 1 from 63, however in my case I would need to wait 4 extra years for my UK pension.
I will probably take my Swiss pension at 63 as Swiss Health insurance is remarkably good value & substantially cheaper than the BUPA insurance I currently am paying for.
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  #238  
Old 20.09.2020, 17:46
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Re: Do you think about your future/retirement etc?

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Just keep in mind that for some this may apply:

Persons in receipt of pensions from several states (but not from the state in which they reside) must take out health insurance in the country in which they have the longest contribution record.
Interesting...and complicated. My longest contribution was to a U.S. fund (TIAA-Cref) as I was working for a U.S. organization in Germany!! So that's not going to be possible.

I guess I need to contact the Pillar 1 people directly.

Thanks.
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Old 20.09.2020, 18:26
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Re: Do you think about your future/retirement etc?

Fatman, yes, I can imagine that would be tough- but even so, not impossible.


Retired Brits who live in my area have basic pension + a bit more- certainly NO big earner's pension- they do totally fine, as rents are so low.


And yes, they all speak French now- but if not, it is easy to get help- I know a great communicative teacher in the region
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  #240  
Old 07.06.2021, 07:49
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Re: Do you think about your future/retirement etc?

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It's possible to take the Swiss Pillar 1 from 63, however in my case I would need to wait 4 extra years for my UK pension.
I will probably take my Swiss pension at 63 as Swiss Health insurance is remarkably good value & substantially cheaper than the BUPA insurance I currently am paying for.
Is it possible to keep your pillar 1 if you leave for the UK?

I know it is possible to cash it in now but just curious.
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