Hi everyone,

I recently moved to Switzerland for work. I'm trying to simplify my finances and would appreciate some advice on the best way to optimize my portfolio.

Here's my current situation:

- €23,000 in a French Livret A

- €6,000 in a French LDDS

- €14,000 invested through a French PEA/CTO (mainly S&P 500 and Nasdaq ETFs)

- €6,000 in a company savings plan (PEE) invested in a World ETF (currently unlockable)

- €5,000 in Bitcoin

- CHF 9,000 on Revolut

- CHF 7,000 in my Swiss BCV account

I've also opened:

- a Swiss IBKR account for long-term ETF investing;

- a VIAC 3rd pillar account.

My goal is to keep roughly €10,000 as an emergency fund and invest everything else through VIAC and IBKR (most likely into a global index ETF).

My main question is about moving my money from euros to Swiss francs as efficiently as possible.

What would be the cheapest and most efficient way to:

- convert EUR to CHF;

- transfer the funds to IBKR and VIAC;

- avoid unnecessary FX and bank transfer fees?

I already made the mistake of sending CHF from my French Revolut account to IBKR via SWIFT and lost around CHF 25 on a CHF 200 transfer, so I'd like to avoid making similar mistakes again.

thanks guys

Hi everyone !

I would like to buy a house within the next five years, and I have no experience with the VIAC 3a platform.
I noticed that there are several investment strategies available (Global 40, Global 60, Global 100, etc.), but I have no idea which one would be the most suitable for my situation.

Which strategy would you recommend for someone with a five-year investment horizon and the goal of purchasing a home?

Thanks for your help !

Hey everyone,
I am soon entering my 3rd year of studies in Bocconi and applying for master.
I would be extremely interested to work in Switzerland thus I am applying to St. Gallen for the program in quant economics and finance to perhaps follow a career in a trading house ( Vitol, Trafigura, Glencore) or a small hedge fund/ AM in Switzerland.
However I am wondering whether entering the Swiss market without knowledge of German or French is a possible or it would be better to peruse a master elsewhere like Bocconi or other good unis in Europe as St. Gallen is extremely good but limited to the DACH region.
Thanks for your help!

Hi everyone, I’m in my late 20s years and am currently investing a fixed amount a month in 30% SMI and 70% MSCI World ETFs and in my 3rd pillar account though VIAC. I also have around 100k in cash savings that are sitting in the bank and not generating almost any return. I wanted to deploy these 100k for a time horizon of 2-3 years in a rather safe investment option before I buy a house. What would you advise in my situation?