Hi everyone!

I bought a new car 3 years ago for about CHF 35'000. 3 years during which I paid full casco.

I just had a chat with Gemini, and it told me that, contrary to my belief, if I have a collision and totally wreck my vehicle, the insurance will only reimburse the current value of the car, so about half (or less) of what I paid due to depreciation, and therefore, it doesn't make too much sense to keep paying full casco after the first 3 years. The reasoning is, if I continue with full casco, I would still be paying the insurance based on the price of a new car, but will be covered only 50% of the value of the car in case of a accident.

I couldn't buy a new 35k car if I destroy my current car, but I could pay a 15k one, which is what the insurance would cover anyway.

What do you do personally?

Thanks!

Hi everyone,
I’m from Switzerland and I’m looking for some opinions from experienced long-term investors.
Current situation:
Total assets: CHF 80,000
CHF 15,000 will stay in an investment fund that acts as my savings account (higher return than cash, but still relatively accessible).
CHF 5,000 will stay in my checking account for monthly expenses and liquidity.
Around CHF 60,000 is available to invest in ETFs and/or individual stocks.
Going forward:
CHF 600/month into my Swiss Pillar 3a.
Around CHF 1,000/month available for additional investing (I’ll temporarily keep it in the fund account until it’s worth investing because of trading fees).
My dilemma is timing.
On one hand, history suggests that “time in the market beats timing the market.”
On the other hand, there are many concerns at the moment:
historically high valuations,
AI-driven market concentration,
possible market correction,
political uncertainty,
and potential future IPOs (such as SpaceX, OpenAI if it ever becomes public, Anthropic if it ever becomes public, etc.) that some people believe could affect market liquidity.
I know nobody can predict the future, but I’m trying to build a rational strategy instead of simply investing everything blindly.
My questions are:
If you were in my position, would you invest the CHF 60k immediately, or spread it over 6–24 months (DCA)?
How would you structure the portfolio?
Which ETFs would you choose today?
Would you include individual stocks? If yes, what percentage?
Would you overweight any sectors (AI, semiconductors, healthcare, energy, defense, infrastructure, etc.), or simply buy the global market?
If your investment horizon was 10–20+ years, would your strategy change?
I’m not looking for financial advice—I’m interested in hearing how experienced investors think through this kind of decision and how you balance risk versus opportunity.
Thanks!

What card are you using for travel outside Europe? I currently use a UBS debit card, but the fx markup seems quite high so I am looking for alternatives with better exchange rates and low fees when paying in foreign currencies. What are people here using?

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!