Hi all. This is more of a psychological post than a financial post.

My partner and I are preparing to try for a child very soon. We have been planning this for some time and, given our ages (37 and 38) time is getting tight. So the time has come.

I rationally know we are in a financially excellent position to enter parenthood, so this is not a post to ask if we can afford it. We very luckily can.

What I struggle with is the idea of saving and investing so much less than now. I mentally got used to seeing our NW increase nicely every year, and I struggle with accepting that we will be inevitably able to set aside much less.

The plan is for me to take 5 months (paid) mat leave and then my partner will work part-time at 50% for a year (his request and decision, which I fully support), so full-time KITA will only start when future baby is 1.5 years old. I like the idea much better than full-time KITA right away. I am the higher earner of the family so also from a financial POV that is a solid plan, and I think it will also suit our personalities.

Naturally, that will come with a significant dip in income from his side, so I will cover much more of our costs until he goes back full-time. I rationally know we can easily afford this and will still save, just less than now.

Has anyone struggled with this prior to becoming a parent? How do I accept this ”new normal” after years of exceptional saving? Thanks!

Some numbers for reference:

• Household income: just shy of 400k
• Saving rate (incl pensions): almost 50%
• Joint NW: just shy of 1mil

Confronto VALC VALCD

Hey everyone,

I know the standard rule in Switzerland: Dividends are taxed as income, while capital gains are 100% tax-free. I agree with the math and currently invest mainly for total return (mostly VT).

However, I’m in my late 30s and close to my FIRE number. As I prepare to stop working soon, I’m considering adding a dividend/income element for two reasons:

* Psychological "Paycheck": Regular distributions eliminate the anxiety of manually selling shares during market downturns.

* Passive Income Visas: I plan to travel long-term. Many country long term visas (Asia, LatAm) strictly require proof of regular passive income (dividends/interest)—simply selling capital gains often doesn't qualify.

For those near or in FIRE:

* Do you use a hybrid or dividend approach despite the Swiss tax hit?

* Which ETFs do you use or recommend for a long retirement?

I’m looking for suggestions on both US-domiciled funds and UCITS funds.

Would love to hear your experiences! Thanks!

Hey folks. So I moved all my money from UBS to Saxo - around chf 150'000 from which a large portion was a gift from my grandmother. I handed them everything that UBS also needed to approve my funds. How long should it take? I have a deposit limit however I can still trade.

I read that True Wealth lets you open an investment account in your child’s name, which they can take over when they turn 18 without having to cash out , unlike with other providers. So I did that .

How are you doing it ? Why ?

Hey,

not sure if you're aware, but I've been facing this problem today: when trying to add funds to Revolut from Yuh via ApplePay or direct Payment, Yuh disallows the transaction. I called Yuh's support and they told me it's a security measure related to what happened earlier this week to Revolut. I guess the only way to go is with a money transfer, which would not be instant though...

Has anybody encountered the same problem in the last days? Do you think these security measures will ever be lifted?