Pillar 3a retroactive buy-in. Can I combine two gap years into one payment?

Hi guys,

Planning my return to Switzerland after a few years abroad and trying to figure out how fast I can catch up with the 3a Pillar contributions. Anyone dealt with this yet?

Cheers

reddit.com
u/DocMatilo — 1 day ago

Thinking of building a dead-simple DCA consistency app

Dear SwissPersonalFinance community,

I'm considering building a native mobile app that does ONE thing: log your recurring stock/ETF DCA investments, track a streak of consistent months, send you a reminder before you miss one. No gamification layer, no accounts to link. Just a simple, no-nonsense way to stay on track.

A few questions for anyone who does stock/ETF DCA:

  1. Is staying consistent actually a problem for you, or is that a non-issue once you set up auto-invest? (Knowing not all brokers have that auto-invest feature).
  2. Would a mobile-only app (not web) actually change anything for you vs. a spreadsheet or existing tracker?
  3. Would you want it simple like this, or does it need at least some portfolio view (P/L, allocation) to be worth opening regularly?
  4. Is this a "nice to have" or would you actually pay a small monthly/yearly fee for it?

Currently trying to figure out if this is worth building or if I'm solving a problem that doesn't really exist. Honest takes welcome, including "just use a spreadsheet, lol"

Thanks for your feedback - cheers :)

reddit.com
u/DocMatilo — 26 days ago

Barbershop in KL

Hi guys, coming to KL for a month at the end of this week. I’m looking to get an haircut when I arrive. Do you have any recommendation on where to cut my “European man hair” 😂 ?

Cheers and thanks

reddit.com
u/DocMatilo — 1 month ago
▲ 1 r/seoul

Vintage Watch Shops in Seoul ?

Hi everyone,

I'm passionate about vintage watches. Do you know any good shop/neighborhoods around Seoul ?

Cheers :)

reddit.com
u/DocMatilo — 2 months ago

How do I break into Key Account Management ? Certifications that could help ?

Hi everyone,

I have 4–5 years of experience in Commercial Operations and, more recently, as a Commercial Analyst. I am currently taking a gap year, and during this time I've realized that I would like to transition into a Key Account Manager role when I return to my home country.

My background is strong in data analysis, commercial performance monitoring, and cross-functional collaboration. I also have solid interpersonal skills and speak multiple languages, including fluency (C2-C1 level) in the two main languages used in my country (+english).

For those who have made a similar transition or who work in Key Account Management:

  • What skills are most important to develop? I have time this year to work on that.
  • Are there any diplomas, certifications, or training programs that would strengthen my profile?
  • Which parts of my current experience would be most valuable when applying for KAM positions?
  • What experience or competencies do hiring managers typically look for that I may need to develop before making the move?

I'd appreciate any advice or insights from your experience.

Thank you in advance!

reddit.com
u/DocMatilo — 2 months ago

How do I break into Key Account Management ? Certifications that could help ?

Hi everyone,

I have 4–5 years of experience in Commercial Operations and, more recently, as a Commercial Analyst. I am currently taking a gap year, and during this time I've realized that I would like to transition into a Key Account Manager role when I return to my home country.

My background is strong in data analysis, commercial performance monitoring, and cross-functional collaboration. I also have solid interpersonal skills and speak multiple languages, including fluency (C2-C1 level) in the two main languages used in my country (+english).

For those who have made a similar transition or who work in Key Account Management:

  • What skills are most important to develop? I have time this year to work on that.
  • Are there any diplomas, certifications, or training programs that would strengthen my profile?
  • Which parts of my current experience would be most valuable when applying for KAM positions?
  • What experience or competencies do hiring managers typically look for that I may need to develop before making the move?

I'd appreciate any advice or insights from your experience.

Thank you in advance!

reddit.com
u/DocMatilo — 2 months ago
▲ 2 r/seoul

Table tennir club in Seoul

Hi there,

Anyone recommending a table tennis club in Seoul ? Foreigner friendly ? :)

Cheers

reddit.com
u/DocMatilo — 2 months ago

3 full days in Chongqing, what to do ?

Hi everyone,

I'll be 3 full days (+ 1 evening) in beautiful Chongqinq. What would you recommend me doing/focusing on ? I love food, walking around cities and all sport in general!

Is 1 day in Wulong worth the time ?

Thanks :)

reddit.com
u/DocMatilo — 2 months ago

Fiscal difference between acc. and distr. US based ETFs

Hi everyone,

New to the thread, but some years into investing : )

I understand that for Swiss investors, US-domiciled ETFs can offer an interesting tax advantage, mainly because the 15% US withholding tax can be reclaimed through the DA-1.

That said, is there any tax difference between US-domiciled distributing and accumulating ETFs? Or from a Swiss tax perspective, are they treated essentially the same?

Thanks for sharing your experience and thoughts !

Cheers

reddit.com
u/DocMatilo — 3 months ago

Rate my portfolio - 31M (2 years investing)

Hi guys,

Been investing for a little bit over 2 years by DCA-ing on those major ETF (WRDUSW (world) and SXR8). Recently changed to only DCA in SPYI (world), which I will continue.

Some individuals stocks too - with more or less success.

40k (CHF) invested through my pension fund too (in broad but high risk strategy because fuck it)

4k (CHF) in Bitcoin

Total invested : 65k CHF (~80k $)

What’s your evaluation? What do you recommend twisting ?

Note: I’m buying to hold mostly

Thanks!

u/DocMatilo — 3 months ago

Daegu 지맥 Festival 2026

Hi there,

Does anyone know if the Daegu Chimek (지맥) festival requires ticket to be bought in advance ?

Or can we just show up there without anything?

Could not find the info anywhere …

Thanks :))

reddit.com
u/DocMatilo — 3 months ago