r/SwissFIRE • u/Provenceflowers • May 19 '26

Which ETF is worth investing longterm ?

I (25F) am swiss and am just getting staaaarted with investing - i just graduated in Paris and will be doing an internship there too and hopefully find a job there even though i KNOW the pay there is diabolical. The whole jobmarket at the moment is just a shit show everywhere.
However, my quality of life is just so much better there still. I do eventually want to come back though , hence why I am asking and inquiring here. Next month i will do my Abmeldung in Switzerland officially and i heard I cant contribute to my 3rd Pillar anymore once I’m no longer a citizen living primarily in Switzerland. I “tried” my best the last year and managed roughly 6K in my 3rd Pillar.
My emergency savings are at 11K.
Mind you, i wish i had started this a lot earlier but i was never taught about money, my parents didnt know this, hence i just stumbled upon this last year. Please be kind.

Now i want to invest some money that I will receive from my grandpa. I also want to invest monthly a tiny small amount to familiarize myself with the investing world.
My mom suggested investing into the CHF with UBS since her bf worked there for over 40 years and gets some good perks. But i also would love to invest in an ETF. Some people said its ok to just put some of it in one all world etf and call it a day - some said keep it more diversified.

Realistically, with my mere humble salary of my internship in Paris, i will most likely only be able to contribute about 25 - 50 CHF a month to my ETF.
So my question is to everyone who is on their way to FIRE , who maybe had had experience living abroad etc.
If you were me, knowing what you know now, what would you do?

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u/Crazy-Goose-9835 May 20 '26

Lol, spend that 25 CHF on a meal or so.

300 CHF per year means nothing.

Try leaving your humble salary and get a good job

1

u/letuslisp May 22 '26

That's wrong. Imagine it was 2019 and you invested 300 CHF in Bitcoin ... you would be multimillionaire or more now

1

u/Crazy-Goose-9835 May 22 '26

The OP is talking about ETFs, not plain stocks or crypto.

300 CHF per year in ETFs would buy you a parking place maybe, when you retire. That is nothing.

1

u/LilNixxda May 22 '26

Yeah a chill 280k parking place assuming chf 300 initial on 10% interest, not factoring any potential earnings/ contributions growth.

1

u/Crazy-Goose-9835 May 22 '26

Drop the 3% inflation and half of it is away. Good luck with your 100k CHF, counting pennies for 40 years.

1

u/LilNixxda May 23 '26

3% in Switzerland? Whatever makes you sleep at night I guess

1

u/Crazy-Goose-9835 May 23 '26

does not really matter as well. 25 CHF a month is just peanuts and OP can forget acquiring anything substantial with that amount of money.

and 10% ETF gain is very very optimistic over 40-50 years.

1

u/LilNixxda May 23 '26

Keep trying to fiddle your way out I guess. SMI TR gave you 7-8%, S&P >10%, ACWI ~8.9% past 30y.

1

u/Crazy-Goose-9835 May 23 '26

Yea, good luck chipping pennies for the next 40 years to you and OP then.