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Dear Mr Sabbir, thank you for your mail, but as you can see on my channel I keep things simple and I want to keep it that way. I hate thumbnails that scream click on me and then don't give what they promise. Certainly thumbnails with the creators head on it with a hand in his/her hair, with a surprised face,... I don't like it, so I will do poorly on YT, but that is ok, I have a job that I like. Reaching people is what I want to do, and I'm doing that gradually and I'm building with a good foundation as I have many loyal viewers. So thanks for the proposal, but sorry not necessary.

@@jorisinvests Then you can take SEO services from me. If you take SEO services, your video views will increase

Dieses Jahr können wir von SDIV nichts schlimmes sagen, Performance war top. 👍🏻

@jorisinvests Ich würde gerne vieeeel mehr nachkaufen für super Dividenden aber ich weiß nicht ob der Kurs bald unter 8€ beträgt deshalb kauf ich nur bei Korrekturen damit ich zukünfige Verluste zu vermeiden. In DE hat man nicht genug Auswahl über 7% Dividenden Etfs. Nasdaq 100 Cov.c und JPMorgan Income naja nur 5% :) seit Korrektur mehr

I can't help you with that, as I'm not into crypto. But try to ask your question on Getquin, there are people there that are really good in crypto stuff.

Thank you very much :-)

Thanks a lot.

I guess you have this one in your portfolio :-). Nice one, keep it up with investing 💪🏻

Thanks a lot. One day maybe I will have more, and it is slowly going up, but in fact I like making video's a lot and one day I hope my daughters find my channel and finally listen to what I'm trying to teach them during dinner :-)

Thank you very much.

Thanks, great you liked it 😊.

Thanks for the tip. I will try my best.

Good question. I also find it hard to find good growth stocks. Those that appear to be growth stocks are in industries that I think are not going to last long (or are cyclical). I have a few favorites, but as always: not financial advise. SoftwareOne (SWON) that is in the software licensing industry as licensing is a hughe bussiness and is getting bigger and bigger and more important. Temenos (TEMN) that is active in the software bussiness for banks and finally Also Holding (ALSN), although their 2 last years were not that great due to several causes, but they seem to finally have things turning around again, who are active in IT/consumer electronics and AI. All have a high PE ratio SWON 79.84, TEMN 32.14 and ALSN 26.54. They are also small companies, so not as robust as LOGN, which I would always buy before those 3, but those are my picks. If you see other stocks on the SIX with ISIN-codes starting with US, those are often Chinese companies (like Shenzhen Senior Technology Material) for those you have to do double your due diligence! There are about 40 on the SIX of such companies as they like the fact that the short for Switzerland is CH and China has the same two first lettres.

Thanks, cheers back to you :-)

Swizerland has a lot of treaties with other countries around double taxation. Germany and Ireland for instance are good examples, there no tax is withheld from dividends, so we only pay the Swiss withholding tax through declaring in our Swiss taxe return. For the Netherlands, Italy and many other countries you can fill in a form to send in with your tax return, so you can demand the double tax back from that country. It takes a lot of time and if you have a small portfolio it seems silly, but we should all do it. Too many people don't bother and thus it remains like it is. I hope one day the tax department and foreign countries get annoyed and just do the same as Germany and Ireland. Way easier for all parties involved. Thanks for your reply.

@ I must talk to the accountant see if he can do this next year for me when he does tax return. All my stocks are in USA and uk. Not well up on the Europe markets

Here is a link to the page of the Poor Swiss, where he explains everything well for US securities and others: thepoorswiss.com/file-your-taxes-swiss-foreign-securities/ For Switzerland, my canton operates completely different than his canton, but the principles are the same only the online platform is different.

Thanks you for the compliment. Hope you reach your goals 👍🏻.

Thanks Alexandros. You have 4 possibilities, all from Vanguard, but they don't have a TER of 0.03%, which is actually not OK from Vanguard, but they get away with it, as in Europe most UCTIS ETFs are more expensive than their US counterparts and we keep on buying them: Vanguard FTSE All-World UCITS ETF Distributing (IE00B3RBWM25; TER 0.22%) Vanguard FTSE All-World UCITS ETF Accumulating (IE00BK5BQT80; TER 0.22%) Those two have the same amount of stocks as VTI (around 3600) Then you have these next two that have even more (around 5800) Vanguard ESG Global All Cap UCTIS ETF Distributing (IE00BNG8L385; TER 0.24%) Vanguard ESG Global All Cap UCTIS ETF Accumulating (IE00BNG8L278; TER 0.24%) Hope this helps, Joris

Very good question. For our daughters, we are saving in CHDVD as this has the better performance of the 2 ETFs you mentioned (CHSPI and CHDVD; I made a couple of video's about those but the last one is this one: th-cam.com/video/VN9WUcFNOKw/w-d-xo.html ). CHDVD is great, but investing in individual stocks is always more exciting, but as you say comes with more risk, in this way I regard the TER of CHDVD as the fee to lower the risk. UBS is also not in this ETF, which is in my eyes a good thing (their dividend is also in USD, which is stupid for a swiss stock. Even Shell and Unilever pay out euro's in Amsterdam and Pounds in London, so why does UBS not do that???). I try to stay away from banks, but ING is maybe an exception in the future. Credit Suisse was really unfortunate, as it was highly undervalued, but the managment screwed up and wasn't able to turn the perception around. Now UBS has to deal with the mess they took over (and they are quick in doing it). In the YUH-portfolio I'm trying to pick up the shares at a good value. I'm a value investor and like individual stocks, but for my daughters the CHDVD is the definitely the best way to go. But it is important to note that when I was young I only had stocks, as I got older I started to lean more towards ETFs and since we live in Switzerland we do the Core Satellite strategy. Now our division is 900 CHF in ETFs and 200 CHF in stocks per month. So the risk from our individual stocks is also lower. I recently started with the Yuh-portfolio to show that investing with only 200 CHF/month can also deliver you with a nice dividend portfolio after a while. Many people think that 200 CHF is too little to begin with, but I want to show that they are wrong :-). Thank you for your question, Joris

Great to hear. QYLP so far is doing great and SDIP in the last year is also performing better than before, I hope they can keep it up. Thank you for subscribing, Joris

@@jorisinvests yes im loving QYLP I get about £65 per month. Would you have any recomendations on European individual stocks?

@@AM-gy5xg you can watch my latest videos on the stocks in the SMI/SMIM (Switzerland), CAC40 (France), AEX (the Netherlands), ATX (Austria), DAX (Germany), BEL20 (Belgium) and Monday I have IBEX35 from Spain lined up (They are in the playlist Evaluations). I have a watch list of 19 companies that I will post in about two weeks. Maybe I will buy 1 of those for my YUH Portfolio, but I don't know yet how much our budget is going to allow 🙂

I know the feeling. A lot of video's for USA, followed by Canada and UK, but the rest of European Continent is neglected although we have a lot of beautiful companies to invest in. I will keep posting video's about European stocks and ETFs. Thx for your comment.

@@jorisinvests I say keep up the great work ^^

You have a point there. We also invest the saved tax due to the tax advantage, so that helps too, but now that we know that we will be in Switzerland till our retirement, the Insurance choice was definitely not the correct one. There Swiss Life is the one that makes the biggest profits for sure :-(

Thank you, will do. CHDVD just gave its final dividend for the year, so comparison between the 2 iShare ETFs and the UBS one is in the pipeline.

Thanks a lot for the compliment :-)

The only thing stopping me from investing in a true UK ETF was/is the fact that all of the ETFs on the SIX stock market are providing their dividend in GBP. We already have a low percentage of CHF and then a high percentage of EUR and a rising percentage of USD, so I don't want to add another currency to the mix. With FLXD, I increase my exposure to Europe (which I think we should do as we live in Europe) and also enjoy the benefit of investing in the best dividend companies on the UK stock market :-). Of the 9 UK ETFs that I follow, the 2 I like are VMID (Vanguard FTSE 250) and ISF (iShares FTSE 100) [the HSBC one only gives halfyearly dividends, but has gooed performance as well]. So not the IQQD/IUKD dividend UCITS ETF from iShares or the SPYG/UKDV Dividend Aritocrats one from SPDR, which may be surprising, but I don't like the weight percentages of the stocks in those, which does not fit my needs in the portfolio. Thanks for your question and for subscribing.

@@jorisinvests Ok, thank you for your explanation, I got it! I invest in LDGE myself and thought that the LGIM UK counterpart IE00BMYDM802 might be worth considering. I find LGIM's Quality Dividend ETF index methodology excellent in general, as it focuses not only on dividend yield but also on dividend growth, which is exceptional. However, the UK-only ETF invests more than 50% in financials. That's significant!

That initial comment didn't go through. Interactive Brokers is cheaper than Swissquote, was the key message.