Blogger Saving Rate INDEX (Silver Badass Saver).

Dear Friend,

Mustachian Post another Swiss FI blogger created 2 years ago the Blogger Saving Rate Index, this year results was published in his last post (Blogger Savings Rate Index 2016).

Last year, we obtained the Silver medal with a saving rate of 44.3%, this the best rate we obtained so far. Let’s see if we can continue like that in 2017.


Check-out the others Badass savers from his excellent blog. MP is inspirational for me and we funny enough, we were working on the same project buying our own house. He completed this project before us. As you know we will move in our own apartement in 2018, still 1.5 year to go.




2016 Bonus (Variable Incentive Compensation)

Dear FI seeker,

First of all, a HAPPY NEW YEAR to all of you!

Last Friday, I had my 2016 performance review with my boss, where we discussed, the objectives achieved or not, what I should develop in 2017, etc.

As usual, at the end of the discussion is the long awaiting performance rating. This rating will drive my Incentive Compensation (IC or Bonus) as well as the salary increase for 2017.

To remind you how the IC is it calculated: you take your “Annual Base Salary – ABS” X “Employee Performance Rating –  EPR” X “Company Performance Rating – CPR” = IC. The scale for the EPR and CPR varies from 0% to 150%.The IC is paid cash with the February salary.

In 2015, the CPR was 130% (spectacular year) and my EPR was 105%. This gave us 53’000 CHF gross bonus (2015 Bonus (Variable Incentive Compensation)).

Ok, let’s stop the suspense now as I am sure you are waiting like me to see how much, we will cash this year.

So my 2016 EPR was 110% and our board of directors have review the company performance vs. objectives and they decided to allocate a CPR rating of 110%.

Therefore, my gross bonus is 48’000 CHF!

YES, YES, YES, that’s an excellent news and I am very very happy! ok, it’s 5000 CHF lower than last year, but it’s no due to my own performance.

This cash will be invested in high dividend stocks, I am still looking at which company(ies) in which to invest, but I have my view on Roche (ROG.VX) again to increase our position. Roche is a Swiss Pharmaceutical company which has a very nice dividend payout ratio 3.58% in 2016, which is expected to be around 3.77% in 2017.

Will keep you posted when the purchase is done.

Cheers, RA50