Go Back   English Forum Switzerland > Help & tips > Finance/banking/taxation  
View Poll Results: How much would I venture to invest?
None - it is too risky enterprise 4 5.97%
Few thousand CHF - low exposure to risk 9 13.43%
Several ten thousands CHF - medium exposure to risk 21 31.34%
Several hundred thousand CHF - high exposure to risk 15 22.39%
Above the million CHF - no risk averse 11 16.42%
None of your business 7 10.45%
Voters: 67. You may not vote on this poll

Reply
 
Thread Tools Display Modes
  #1  
Old 10.01.2021, 18:14
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 8,553
Groaned at 121 Times in 88 Posts
Thanked 6,176 Times in 3,456 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
How much you are able to invest in stock market?

After reading an inspiring thread on topic of investments in:

https://www.englishforum.ch/3245173-post1.html,

it begs many questions of market psychology and individual’s ability of coping with gains and losses. I read that some people on the EF, are willing to invest several hundreds of thousands CHF in the stocks, others like myself would be more comfortable with much lower numbers in the neighborhood of ten thousands. There are also folks who wouldn’t take unnecessary risk and either leave it in hands of professional financial advisors or move to less risky products. Overall, everyone has one’s own limits and adjusts portfolio values accordingly.

Therefore, it would be interesting to make a panel to know of how much you would really be able to invest and what is your main objective and why you think it makes sense?

Disclaimer. Please do not get me wrong. The poll is absolutely anonymous. It’s not intended to share one’s exact financial situation and affordability. It’s about one’s motivation, courage, resilience, ability to stomach the losses and investment sanity.
__________________
🎾That's what we do to help English speaking expats community in Switzerland:
General Information About Swiss Tennis
Tennis Lessons Summer Winter Seasons
🎾🎾Our charity organization to help unprivileged kids to realize their dreams:
FMTF Supports Tennis For Children in Southern Africa

Last edited by jacek; 10.01.2021 at 19:03.
Reply With Quote
  #2  
Old 10.01.2021, 18:32
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 8,553
Groaned at 121 Times in 88 Posts
Thanked 6,176 Times in 3,456 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: How much you are able to invest in stock market?

Correction: The third choice should read:

Several ten thousands CHF

Mods: Not sure how to correct it after submitting the poll?
Reply With Quote
  #3  
Old 10.01.2021, 18:41
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 10,534
Groaned at 353 Times in 294 Posts
Thanked 12,770 Times in 6,082 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: How much you are able to invest in stock market?

Changed it for you
Reply With Quote
The following 3 users would like to thank roegner for this useful post:
  #4  
Old 10.01.2021, 18:46
komsomolez's Avatar
Forum Veteran
 
Join Date: Jan 2008
Location: Ausserschwyz
Posts: 995
Groaned at 29 Times in 26 Posts
Thanked 1,878 Times in 727 Posts
komsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond repute
Re: How much you are able to invest in stock market?

Wouldn't it make more sense to ask which share of your available finances would you invest in stocks?
Reply With Quote
The following 5 users would like to thank komsomolez for this useful post:
  #5  
Old 10.01.2021, 18:51
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 8,553
Groaned at 121 Times in 88 Posts
Thanked 6,176 Times in 3,456 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
Wouldn't it make more sense to ask which share of your available finances would you invest in stocks?
Thought about it as much but there are also folks who do not mind bragging about numbers.
Reply With Quote
  #6  
Old 10.01.2021, 18:54
komsomolez's Avatar
Forum Veteran
 
Join Date: Jan 2008
Location: Ausserschwyz
Posts: 995
Groaned at 29 Times in 26 Posts
Thanked 1,878 Times in 727 Posts
komsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond reputekomsomolez has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
Thought about it as much but there are also folks who do not mind bragging about numbers.
True.

>1 MCHF for me then.
Reply With Quote
The following 2 users would like to thank komsomolez for this useful post:
  #7  
Old 10.01.2021, 18:59
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 8,553
Groaned at 121 Times in 88 Posts
Thanked 6,176 Times in 3,456 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
True.

>1 MCHF for me then.
Provided that this is true statement. Can you elaborate why such decision and your motivation to go so high or any concerns with such large holdings in stocks?
Reply With Quote
  #8  
Old 10.01.2021, 19:18
roegner's Avatar
Moderately Dutch
 
Join Date: May 2011
Location: Zurich
Posts: 10,534
Groaned at 353 Times in 294 Posts
Thanked 12,770 Times in 6,082 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: How much you are able to invest in stock market?

I just invest a certain amount every month and have been doing that for some years. I tend to leave the portfolio mostly as it is, I know a lot of people think that is not the way to do it, but I‘m fine with it and it works ok for me.

And some times I just invest an additional lump sum (bonus time, after paying taxes......).
Reply With Quote
The following 3 users would like to thank roegner for this useful post:
  #9  
Old 10.01.2021, 19:45
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 8,553
Groaned at 121 Times in 88 Posts
Thanked 6,176 Times in 3,456 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
I just invest a certain amount every month and have been doing that for some years. I tend to leave the portfolio mostly as it is, I know a lot of people think that is not the way to do it, but I‘m fine with it and it works ok for me.

And some times I just invest an additional lump sum (bonus time, after paying taxes......).
I think that I currently apply a similar strategy to my holdings. I haven’t sold my positions yet and view it as a long term investment. However, I don’t put money every month into stocks but rather wait for lump sums to build up first, then study the companies carefully and execute the orders. Alas, due to quite steep fees on the SQ, it does not make sense for me to go for smaller amounts than 1k-2k per company.

The whole process of picking right stocks is very exciting to me. I’m rather cautious investor and besides studying the performance indices, I have to know the company via their products. In the first years of investments, I used to follow my instincts and read a lot. Currently, mu success rate in choosing the right companies is 87%, meaning out of 15 at least 13 are increasing in value. Due to relatively low amounts invested, I can sleep well at night. However, I must admit that gazing at the tables everyday is somewhat addictive. I could improve in this department and make it less of a bad habit.

Having said that, I’m willing to increase my presence on the market in the future but would like to be convinced that it’s really the right choice.
__________________
🎾That's what we do to help English speaking expats community in Switzerland:
General Information About Swiss Tennis
Tennis Lessons Summer Winter Seasons
🎾🎾Our charity organization to help unprivileged kids to realize their dreams:
FMTF Supports Tennis For Children in Southern Africa

Last edited by jacek; 10.01.2021 at 21:54.
Reply With Quote
This user would like to thank jacek for this useful post:
  #10  
Old 10.01.2021, 20:26
Newbie 1st class
 
Join Date: Dec 2017
Location: ZH
Posts: 14
Groaned at 0 Times in 0 Posts
Thanked 4 Times in 2 Posts
nonnative has no particular reputation at present
Re: How much you are able to invest in stock market?

I am not an expert in investing, I keep about 5 months of combined monthly salary (spouse and myself) as liquid cash, we have 2 kids. Any amount saved on top of that is invested mostly in stocks , ETF's and bonds(just to beat inflation).

In the past I used to invest in actively managed fund products (Fonds) but I realised that I was paying too much of management/buying/selling fee (>2%) and performance of the fund not so great.

Last couple of years, I use platforms like Degiro and IB when investing myself (very cheap), off late I lost interest to analyse companies ratios and performance , so I setup accounts with Yova, Selma, TrueWealth and Raiffeisen Rio. Their digital platforms do charge a fee, a little less than 1% (depends on the amount you invest).

But I am aware that 1% fee is too much (Especially over time). But on the other hand cherry picking the right stock's and ETF's is not natural to me, so I pay the fees.
Reply With Quote
The following 3 users would like to thank nonnative for this useful post:
  #11  
Old 10.01.2021, 20:36
Member
 
Join Date: Dec 2015
Location: Zurich
Posts: 248
Groaned at 4 Times in 4 Posts
Thanked 127 Times in 88 Posts
Dr Mick is considered knowledgeableDr Mick is considered knowledgeableDr Mick is considered knowledgeable
Re: How much you are able to invest in stock market?

Quote:
View Post
Last couple of years, I use platforms like Degiro and IB when investing myself (very cheap), off late I lost interest to analyse companies ratios and performance , so I setup accounts with Yova, Selma, TrueWealth and Raiffeisen Rio. Their digital platforms do charge a fee, a little less than 1% (depends on the amount you invest).

But I am aware that 1% fee is too much (Especially over time). But on the other hand cherry picking the right stock's and ETF's is not natural to me, so I pay the fees.
https://www.ishares.com/ch/individua...s-etf-acc-fund

This should double your money every ~7 years.
And I am not even charging you for the advice, unlike TrueWealth & c.
Reply With Quote
The following 3 users would like to thank Dr Mick for this useful post:
  #12  
Old 10.01.2021, 21:53
Senior Member
 
Join Date: Jul 2016
Location: GR
Posts: 426
Groaned at 21 Times in 17 Posts
Thanked 134 Times in 117 Posts
wantone has become a little unpopular
Re: How much you are able to invest in stock market?

It obviously depends not only on how much liquid net worth one has but also in the level of sophistication one has.

Personally, I would like one day to be comfortable with investing all of my money in financial securities but this requires lots of experience and constant studying of the economy, companies news etc.
Reply With Quote
The following 2 users would like to thank wantone for this useful post:
  #13  
Old 10.01.2021, 22:00
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 12,715
Groaned at 202 Times in 179 Posts
Thanked 18,358 Times in 7,493 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: How much you are able to invest in stock market?

To me, the question makes no sense. After an initial inheritance, which I used to buy my starting portfolio, I now invest about 2000 a quarter. When you've invested 200K but your portfolio is worth, say, 350, it doesn't say anything about risk aversion.

The chances of an overall +40% fall are remote. And if it does happen, leave it, and eventually recover. If that doesn't happen, then you've probably got more immediate problem than savings...
Reply With Quote
The following 6 users would like to thank NotAllThere for this useful post:
  #14  
Old 10.01.2021, 22:31
Forum Legend
 
Join Date: Oct 2014
Location: Ostschweiz
Posts: 8,154
Groaned at 385 Times in 293 Posts
Thanked 10,588 Times in 5,589 Posts
Urs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond reputeUrs Max has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
I‘m fine with it and it works ok for me.
Quote:
View Post
I can sleep well at night.
These two are key, don't take more risk than you're comfortable with. And by and large what others do is utterly irrelevant, everybody's situation is unique.
Reply With Quote
The following 4 users would like to thank Urs Max for this useful post:
  #15  
Old 10.01.2021, 22:35
Forum Veteran
 
Join Date: Jul 2020
Location: Frick, Aargau
Posts: 1,221
Groaned at 28 Times in 24 Posts
Thanked 1,652 Times in 854 Posts
HickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
True.

>1 MCHF for me then.
Where's the option for 10M CHF ?
Reply With Quote
The following 2 users would like to thank HickvonFrick for this useful post:
  #16  
Old 10.01.2021, 22:41
NotAllThere's Avatar
Forum Legend
 
Join Date: Oct 2008
Location: Baselland
Posts: 12,715
Groaned at 202 Times in 179 Posts
Thanked 18,358 Times in 7,493 Posts
NotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond reputeNotAllThere has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
everybody's situation is unique.
Mine's not.

Reply With Quote
  #17  
Old 10.01.2021, 22:44
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 8,553
Groaned at 121 Times in 88 Posts
Thanked 6,176 Times in 3,456 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
Where's the option for 10M CHF ?

(I'm actually down at c. 600K sadly but I'm only 32)
Like I said, anything above million can be classified in that category.

Would you elaborate more how you feel putting such significant investment in work. Do you have any feelings, nightmares about it or just a sheer swing couple of grants either way wouldn’t have made any difference?

Personally, I discovered that I’m more resilient than I thought. It was in March 2020 when I saw my investment seeing 66% only. I just shrugged it off, invested in my health and wellbeing during the lockdown. Got more fit and quickly my good mood was restored few months later.
__________________
🎾That's what we do to help English speaking expats community in Switzerland:
General Information About Swiss Tennis
Tennis Lessons Summer Winter Seasons
🎾🎾Our charity organization to help unprivileged kids to realize their dreams:
FMTF Supports Tennis For Children in Southern Africa
Reply With Quote
This user would like to thank jacek for this useful post:
  #18  
Old 10.01.2021, 22:45
MusicChick's Avatar
modified, reprogrammed and doctored˛
 
Join Date: Feb 2008
Location: La Cote
Posts: 15,969
Groaned at 339 Times in 234 Posts
Thanked 18,430 Times in 9,582 Posts
MusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond reputeMusicChick has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
Where's the option for 10M CHF ?
Are you Tina Turner?
Reply With Quote
This user would like to thank MusicChick for this useful post:
  #19  
Old 10.01.2021, 22:51
Forum Veteran
 
Join Date: Jul 2020
Location: Frick, Aargau
Posts: 1,221
Groaned at 28 Times in 24 Posts
Thanked 1,652 Times in 854 Posts
HickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond reputeHickvonFrick has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
Like I said, anything above million can be classified in that category.

Would you elaborate more how you feel putting such significant investment in work. Do you have any feelings, nightmares about it or just a sheer swing couple of grants either way wouldn’t have made any difference?

Personally, I discovered that I’m more resilient than I thought. It was in March 2020 when I saw my investment seeing 66% only. I just shrugged it off, invested in my health and wellbeing during the lockdown. Got more fit and quickly my good mood was restored few months later.
I just relax knowing there's a high likelihood of the money coming back. Lost c. 60k in March and didn't let it bother me too much. I got a bit stressed as it was my first crash but didn't panic.

Been rewarded with my portfolio increasing from c. 300k chf in January 2020 to c. 600k now. Albeit with new money from salary invested.
Reply With Quote
The following 4 users would like to thank HickvonFrick for this useful post:
  #20  
Old 10.01.2021, 22:54
jacek's Avatar
Forum Legend
 
Join Date: Oct 2007
Location: Aargau
Posts: 8,553
Groaned at 121 Times in 88 Posts
Thanked 6,176 Times in 3,456 Posts
jacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond reputejacek has a reputation beyond repute
Re: How much you are able to invest in stock market?

Quote:
View Post
To me, the question makes no sense. After an initial inheritance, which I used to buy my starting portfolio, I now invest about 2000 a quarter. When you've invested 200K but your portfolio is worth, say, 350, it doesn't say anything about risk aversion.

The chances of an overall +40% fall are remote. And if it does happen, leave it, and eventually recover. If that doesn't happen, then you've probably got more immediate problem than savings...
I agree.

However, always is good to have a plan B, C and so on and so forth ... until something works ... or exit strategy.

If this happens then ... let’s hope.

It this doesn’t happen then ... x, if this doesn’t happen then ... y... at some point completely buggered.
Reply With Quote
Reply




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 stock market Sam99 Finance/banking/taxation 2 09.04.2019 15:43
Is the US stock market in a bubble Phil_MCR Finance/banking/taxation 34 16.06.2017 16:32
What is going on today in the stock market? [Big falls in value] ukal123 Business & entrepreneur 25 07.04.2011 15:32
Stock Market Manipulation? Guest Finance/banking/taxation 1 07.05.2010 02:06


All times are GMT +2. The time now is 17:06.


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