First blog, first post

Dear Financial Independence friends,

After reading many blogs, like Dividend Mantra from Jason and RB40 from Joe, I have decided to launch our blog about our journey to early retirement, meaning 50 years old.

We live in Switzerland but will not retire there as life is too expensive.

Along the course of my first blogging experience I will show how I manage my portfolio is moving with the buying/selling of the Swiss stock I invest in.

In the contrary of Jason, which looks only at Dividend gross, which is a very good strategy, I still believe that I can grow our portfolio faster by selling and buying stocks at right time.

I am still working in a Multinational company that allow me to have a fix income and therefore save and invest it.

Let’s go for the blogging experience.



18 thoughts on “First blog, first post

  1. Hi @retiredat50,

    Welcome in the blogging world then 😉

    As I also live in Switzerland and seek early retirement, I’m really interested to know where you plan to retire when you reach financial independence?
    Indeed, Switzerland is an expensive place to live in but it’s also so great with its public transport, wild (lakes, mountains), centrally located within Europe, etc, etc…

    I’m really surprised though about your investing strategy.
    So far, I’ve encountered the ones who invest in index funds / ETFs (my case), and the ones who are in Dividend Growth.
    Do you really think you can beat the market? Are you in the financial field professionally?

    Last but not least, are you from the French or Swiss German part of Switzerland?!?



  2. Dear MP,

    Thanks for discovering our blog and I am happy too to have more FI friends in Switzerland. We are from Lausanne, the French part.

    For sure we are not going to retire in Switzerland but in Latin America, where the cost of living is lower.

    Regarding our investment strategy, it’s a mix between Dividend growth and pure market speculation. If I look back since 1.1.2009 the SMI increase by around 62% and our portfolio performance reach 54%, which for a non financial professional is in my opinion not bad at all.

    Let’s cross our finger that in the future, we can still have this kind of performance.

    Thanks for leaving comments and reading you soon.



    • Hi retiredby50, I don’t have a blog but I’m following the “Retired early scene” in Switzerland. I think is greatto see many more people blogging about it and I compliment you sincerely for your efforts, i know I probably wouldn’t have time to do it.
      I will allow myself some comment on your posts. Firstly, I see you invest mostly in stocks and speculate on the market, and I will be blunt and sincere: everyone looks like a genius during a bull market. It’s easy to do money, even for non professional, and I hope you have your goals, risk tolerance and expected return in check. My suggestion is always the same: boglehead two/three funds portfolio with low cost passive index funds.
      Secondly, you CANNOT, and I repeate CANNOT, use the suggestions of american or even other european blog-writer. There is one decisive factor for all investment purpose: taxes. Taxes works differently in every country so what is true for america is not true for Switzerland. You will never found suggestions for a capital increase strategy since in most of the world capital gain are taxed, whereas in Switzerland they are not. So for instance in the US dividend and capital gain strategy are mostly equivalent tax-wise (long term capital gain are taxed at 15%as dividend), while in Switzerland this is not true: dividend are taxed, capital distributions are not taxed and capital gain are not taxed. So the spectrum of strategy for Swiss investors is different and not all the international models apply here. Always keep taxes in mind, being tax efficient is the single most important thing you can do with your investment, together with as low as costs as possible (transaction/depot, TER).
      But anyway I wish you all the luck in the world!


      • @no-way thanks for providing these Swiss taxes insights. Interesting.
        If you know more about that, and want to write about it, I would be glad to have a guest post from you.



      • By the way, should launch soon – in Q1 2015 – with their investment online tool which will provide passive index funds optimized for Swiss people so to save taxes on your invested money.

        Can’t wait to see it live!


      • Dear NW,

        I agree with your comments that we cannot follow the other strategies regarding investment and dividends, but at the same time is great to see that more and more people are looking for the same thing, FI.

        Last week was a though week for our nerves, but I am sure we will be able to make good investment with this major drop!

        Thanks for leaving a very good comment and hope to see you again around the blog.



    • Hi retiredat50,

      Cool, you’re even from the west side of Switzerland, and in the french speaking area!
      As you might have read, I’m myself from Yverdon.

      Your retirement place caught my attention. In which country do you plan to go when enough money will be stashed?
      Are you (or your wife) originated from this part of the world?
      We also discussed the option to go in another part of the world where cost of living is cheaper but family proximity is quite important to us so far. We’ll see in 1-2 decades if that changed.

      Good luck with your investment strategy, even if I’m not convinced by it.

      Hope to read you soon!



      • Dear MP,

        The future retirement place is Brazil, my wife is from there and I am Swiss. We recently bought an apartment and could leave CH any time if required as the flat is fully paid!

        So it’s why our objective is to retired in 10 years from now and probably start our own business there.

        Thanks for all your comments, I was not expecting to have so much reader and commenter!



      • Interesting move! Latin America tempt me as well but it’s far from family unfortunately…

        Is the flat you bought in Switzerland or in Brazil?


  3. Hi RA50,

    I’m 26, also in switzerland and looking for FI.
    I’ve read MP and your blog, since i’ve been a sucka consumer until 2years ago…
    It’s been helpful, i’m at the beginning of my personal journey to FI.

    Sorry for my english, i’m a terrible writer.

    Wish you the best,



    • Hi Gaius,

      Thanks for passing buy and leaving a comment.

      Welcome to FI world, you will see it is a very interesting and challenging journey but it gave so much in compensation.

      No problem you english is very good hope you understand our posts (MP and others), but it really help touching more people than speaking french or German.

      I am wishing you all the best, and I can help you in you FI let me know.



  4. Hi RA50,

    first congrats on your “new” blog. Interesting reading. And yes, I write about investing and FI too, here is link to my blog It still work in progress, however, it is in Slovak, so probably you won’t be able to read it … What caught my attention was that you live in Lausanne – our family spent couple of years there and we fell in love with the city and canton Vaud. So much actually that we decided to spent considerable amount of time in Switzerland when we “retire” (we still go to Lausanne 2-3 times per year, just to keep in touch :-)) So here is my question for you – how much do you feel you would need (meaning your net worth) to be able to retire in Switzerland comfortably?




    • Vladimir,
      Thanks for passing by and asking an excellent question, which I am not 100% sure to be able to answer.
      There are so many factors to take into account. But based on our actual net worth and actual dividend distribution, I would estimate that without losing too much on our quality of life, and retiring at 55-60 year, we would need 2.5-3.2mio USD, with this worth, almost no need to take cash from the account.
      What you in Slovakia?


  5. Much, much less, maybe even less so than in Brazil … 🙂 Well, typical Slovak household spends cca 1.000 EUR per month, make it double just to feel like the king of the hill, and using 4% withdrawal you should be able to live comfortably in perpetuity with 600.000EUR in capital, more or less. Depends of course, where in Slovakia you live, Bratislava is much more expensive than some village on Slovak-Ukrainian border …


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