Primo trasferimento, prima volta vivendo da solo. Ho perdipiu cambiato Paese per questo lavoro. Spero possa essere un buon inizio. La prima settimana ho mangiato in piedi, non avevo nemmeno il tavolo. Il prossimo step saranno le tende, ma penso che un altro mese possano aspettare, ormai i vicini mi avranno già visto semi nudo, per cui non penso si scandalizzino più :)
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Hi everyone,
I'm M22, I recently moved to this beautiful country and I'd like to start investing some of my savings.
I have approximately CHF 34,000 in savings, and an average savings capacity of around CHF 1,600 per month over 12 months.
I currently have all my savings in the YUH bank account, roughly split between EUR and CHF (CHF 22,000 and the remainder in euros, respectively).
My monthly expenses are currently CHF 1,400 (one bedroom apartment in an inexpensive area, subsidized health insurance), to which I add about CHF 400-500 for unexpected expenses. I have a car, but it's still in my hometown. I don't intend to bring it here because public transportation is very good and I'm 10 minutes from work.
Now, I've always been interested in the world of personal finance from the outside. I've read a lot of posts about it, and I'm slowly gaining a better understanding.
My plan is to start investing around CHF 20-24,000 right away in one or two global ETFs, and starting next month with a CHF 1,250 monthly PAC, keeping CHF 10,000 as an emergency fund (I'm fortunate to have a family who could help me in times of need, so I can invest a little more and keep less liquidity).
Now, I've seen that VT on IBKR is usually recommended here. However, these would be my first real steps in the world of investing, and IBKR seemed a little complicated at first. Do you think it makes sense if, for maybe just a year, I started investing through Yuh to gain some experience and then move on to a more structured broker like IBKR? My current savings are still quite low, so I don't think I'd lose that much in commissions.
Also, I'd like to understand how it works with currency. Is it better to buy ETFs in CHF, EUR, or USD? I'm asking this because the franc seems to be very stable, and I don't want to lose significant percentage points due to exchange rates.
Thanks so much to anyone who responds!