Asking Zurich: In what do you INVEST your SALARY?
ฝัง
- เผยแพร่เมื่อ 2 ธ.ค. 2023
- Hi everyone!
Secure your special deal with our link: try.lingoda.com/ClaudiaJan_Sp...
Use code CLAUDIA20 for an awesome 20 EUR discount. Level up your learning journey. Seize the opportunity! Happy learning!
Today we are asking how much SALARY people invest in Zurich, Switzerland. If you like the video, please share it with people you think could be interested in this content. Sharing is caring! Kind regards!
🌟 Buy us a coffee:
www.buymeacoffee.com/claudiaa...
🌟 Instagram: @poulainclaudia & @janheimes
Music
------------------------------
Promise Me by PYC Music / pycmusic
Creative Commons - Attribution-NoDerivs 3.0 Unported - CC BY-ND 3.0
Free Download / Stream: bit.ly/pyc-promise-me
Music promoted by Audio Library • Promise Me - PYC Music...
Mood by Peyruis / peyruis
Creative Commons - Attribution 3.0 Unported - CC BY 3.0
Free Download / Stream: bit.ly/al-mood
Music promoted by Audio Library • Mood - Peyruis (No Cop...
------------------------
#switzerland #workinswitzerland #zurich #workinzurich #lifeinzurich #livinginzurich
![MOBYE - มีใจทำไมไม่จีบ (ASAP) [Official MV]](http://i.ytimg.com/vi/dCOdz92FU18/mqdefault.jpg)
Hey everyone we hope you enjoyed this video! Let us know if you invest and what has been your best investment 😀🙌
Invest into your language skills. Secure your special deal with our link: try.lingoda.com/ClaudiaJan_Sprint
Use code CLAUDIA20 for an awesome 20 EUR discount. Level up your learning journey. Seize the opportunity! Happy learning!
Happy to see, that you are having your first sponsor! Well deserved!
It's wonderful to witness your exceptional efforts being recognized and receiving the acknowledgment they truly deserve.
Why you dissappeared? Seperated?
You guys should come back, it’s been 4 months 💔😢
I miss your videos, please come back!! I hope you are all doing well, wishing you both the best. Take your time, so much love
200 years ago it was normal to own your home. Even the poor with 10 children owned their home. Now it's called investment.
That is very wrong. Why there were so many revolutions and why did people leave for America and Russia ?
@@littlebrit Wrong? Who owned the houses then? In Romania most people own their home, and they still emigrate.
@@littlebrit The revolutions were made against the taxes, that were too big. Now they are at least twice as big. But people like you are brainwashed by school.
@@littlebrit When home ownership was an investment, it was called serfdom and feudalism. You'll own nothing and you'll be happy had that name.
Hey there, but I think the perspective of how the "home" is used and seen changes. Hence the change of mindset. What do you think? @@csuporj
I miss your videos! how are you doing ? please come back, I'm from Brasil and your videos are so helpful to learn english and learn about Switzerland! thank you :D
Really nice to see your videos are being sponsored, guys! A lot of progress! Keep up 💪
Awesome! Thank you! That’s so nice of you 🎉❤️
I just wanted to drop you a note to say how awesome it is to see your hard work getting the recognition it truly deserves. Your dedication and excellence really stand out, and it's genuinely heartening to see others appreciate it as much as I do. By the way, major props for going the extra mile and doing that video, especially in the freezing cold. It's a testament to your commitment, and I just wanted to give you a virtual high five for that.
Keep up the fantastic work - you're killing it!
Hey there thank so much for this really positive and uplifting comment we really appreciate it 🎉👍
Now we are talking. The best investment advice in the entire video is Claudia's conclusion -
THE BEST INVESTMENT YOU CAN EVER MAKE IN YOUR LIFE IS INVESTING IN YOURSELF.
Everything these days has to meet the criteria of "Sustainability". What happens to all this carefully invested money when the monthly cash inflow stops? Game over. And in today's market environment, hardly anybody will be able to hold one particular job for his entire life. Learning has become a lifelong necessity to keep up with today's speed.
On a personal note to Claudia and Jan. Your conclusion that investing in you is the way to go - the money you spent for your recording equipment pays off - every single time you post a video. Top quality - combined with an unbelievable talent and work that goes into editing does the rest.
Thanks so much for such a lovely comment and for your amazing support ❤️⭐️ We wish you a wonderful week!!
What a nice comment of you! I agree with you!
Great video. You should also make one about the house situation and why not so many people own a property in Switzerland.
Thanks a lot for your suggestion! 😊
Are you from the US?
Hi Claudia and Jan! So happy to watch your this newest video and sponsored by Lingoda. Keep up the great job! Thank you for sharing!
Thank you! You too! Also thanks so much for your continuous support in commenting below our videos!
Great job with this video! Thanks for going out in the cold to make it! ❄️
Thanks so much for your kind comment and support! 🥰
Guys, I simply love your work!
Thanks so much that is so nice of you!! We love to read that ✨🎉
Thank you so much for all your videos! They are fun, educative, and very helpful at the same time! Keep up the good work! Again, thanks for your efforts, which I am very grateful for! All the best to you two!
Thanks so much for watching and for your kind message 😊
Very interesting topic ! Glad to see mentions of ETFs, I’m a big fan! 😁👌
❤️
I'm impressed with your work. When I started watching the first video, I really thought I would interrupt it after a few minutes. Instead, in one day, I've already watched quite a number of them. Surprisingly, people seem to be very honest when answering your questions.
I believe that, before somebody decides to invest, he needs to define what his main values are. Among my main values are health and mobility. Therefore, I spend a substantial amount of money on professionals such as gym coachs and nutritionists. One the other hand, I'd rather not invest money in real estate. I don't want to be stuck in a place I no longer like just because I own a house or and flat there.
Thank you very much for your videos.
You should do this again with different people ! Amazing video
Thanks a lot for your comment 🧡
I love your videos of the two of you, keep it up and I wish you all the best in the world to always do well and always be happy. A video idea could be about "The most expensive neighborhood in Zurich ".
Thank you so much! ✨👍
I enjoy this video so much!!! Thank you for sharing!
Thanks so much for your kind comment 😊
love this topic!!!
Great subject and happy you convinced so many people to answer. ❤ I just bought my first real estate property in Romania, renting it out when it is finished. I have some world ETFs also. 😅
Sounds great! We are so happy for you! Congratulations that is great to hear 🍀 We wish you best of luck! Do you see the real estate as an investment?
Another great video from you guys! You really know how to encourage people to talk about interesting topics. With me and my husband it's the opposite, I'm the one focused on finance and investing while he doesn't really care 😆my biggest investment is in a world etf, and then I have some individual stocks that I picked, and also a bit of bitcoin and ethereum. I have real estate as well, but in Asia, not in Switzerland, too expensive! I started out my investment journey years ago with actively managed funds by my bank, but now I avoid that completely. Nowadays it's easy to do it yourself 😊
Thanks so much for your sweet comment and great information!! Super interesting to read your words 😊⭐️
Thank you so much for your videos!
These views which are much appreciated are centered in and/or near Zürich. I'd be curious to hear feedback from people asked the same questions who live in other parts of Switzerland, like perhaps in Lusanne, where I have visited on several occasions. This is not a request but mere admiration of all the great work you both provide, and a bit of curiosity.
Thanks 😀
Thank you very much for your kind comment and suggestion 😊⭐️
great job! very interesting and relevant
Glad you enjoyed it 🙌🙂
You are the best TH-camrs Evers.
Wow! In france, 9/10 people would say they have no idea how even investing works! The swiss seems very much financially literate!
Nice video, very interesting,
thank you.🙌
Thanks so much ❤️
Very good your Video i would invest in my children and their education. Well done and go on😊
Thanks so much for your comment!! 😊
Very interesting! Pls more finance content :)
Thanks so much!! 😊
Good question, thank you❤
Thanks so much for your sweet comment ⭐️
it was great subject so be convinced in switzerland and guys keep it up, fighting......
Thanks a lot for your comment!
It’s really investigative how you deal with this intimate theme
Thanks so much for your comment ⭐️✨
Hola Ana , hello Jan
Would you make a video on how to go skiing on a budget? Cheers
Love your channel
Her name is Claudia, not Ana.😊
I'm from Hungary, I'm 21. I currently in uni and also did a full time job(changing to a part time in January, to focus more on school) My biggest priority is to pay off my student loan. Which I will this year finally.
Also getting driving licence and getting my german to B2 also is an "invest in myself" plan for me.
Love to travel with my girlfriend in EU.
After paying off my left over loan, I'm going to invest in ETFs and small % to singular stocks(mostly from EU and USA).
Get that is so interesting 🎉 we are very happy that you are doing well! We wish you best of luck 🙌🍀 Is there any additional idea 💡 that you have where it would be interesting to make a video about?
Thank you for all of the good wishes! Well I'm a student and perhaps you already made videos about it, but if you could explain how young people move to Switzerland(or tips and tricks) would be useful. Or that how university students survive in Switzerland, where they may only have a part time job to support themselves(if that is possible).
These are just my thoughts as even if someone is in University, the money has to come somewhere. Parents, job, grants or student load?
Her smile is so cute
Best videos! Please make videos on study in swiss!
Thanks a lot for your message and suggestion 😊⭐️
I am now binge-watching all your videos about Zurich, as I am coming there in July to work and looking forward to it. 🙂
Please make a video about nurse and their earnings in Switzerland
We take note of your suggestion 😊
Hello Claudia and Jan, I'm currently analyzing an offer for a position at Meta Zurich in the AR/VR department, do you maybe have any opinions about it? Would you recommend it? etc.
Interesting topic. I would like to know which platforms people are using to invest their funds and how much time they spend researching and watching the markets.
Thank you for your comment 😊
Tresury bonds stable 6.5% per year 😀
WHat are the best option to lear Swiss German in a formal way? I am planning to move to Switzerland sometimes next year. I am fluent in English, and basic German.
Hello from Neuchâtel ❤ it is interesting to see many people are still investing in crypto currency. I am investing mostly in myself. Healthcare here in Switzerland is expensive so i try my best to stay healthy 😂
Hello thanks so much for your comment! That is very nice to hear 👂 What does this mean for you? Have q great and snowy afternoon ❄️🏂☃️
Fun video! Keep it up!
Thank you! Will do! ⭐️😀📝
Better yet, how much money do you need to invest to make meaningful impact?Like to take you comfortably into retirement and not worry too much about making money.Im just gonna guess based on experiences. Since most of us wont get to save up to 100k EUR in our lifetime, after paying taxes and debts. From what Ive seen its about 20-30k on average,from the time they enter the work force bewteen the age of 18 years old to 30-40 years old. Thats usually what they save on average based on a good median salary from 50k-80k eur/year. Compound that by another 30-40 years at 10% on average , they probably end up with somwhere under 100k, much less if they have kids, and depends what kina lifestyle they have, emergency they might run into. So my opinion 20-30k to start is not meaningful to be comfortable , but just enough to safeguard yourself for that rainy, unforseen circumstances. Offf course you can get lucky if your investments takes off to the moon one day, but thats a long shot in most cases. I think you would have a better chances if you can save up to like at least 100k and up by the time you reach 30, then yes you would probably end up retiring with couple hundreds k, that should just let you live comfortably, without working too much, by just sitting on it earning investments, dividends income.
Investing for a meaningful impact and financial security is indeed a thoughtful consideration. While starting with 20-30k can be a good initial step, it's crucial to acknowledge the potential challenges that may arise over the years, such as unexpected expenses, lifestyle choices, and family responsibilities. Saving more, ideally reaching at least 100k by the age of 30, provides a more robust foundation for a comfortable retirement. Although there's always a degree of uncertainty in the investment landscape, having a solid financial base can better position one for a more secure and worry-free future. It's not just about making money but also safeguarding against unforeseen circumstances and enjoying a more relaxed retirement through a well-established investment portfolio.
@@Patricker-qm8pd agreed
Thanks so much for your very thoughtful comment!!
Please make a video about the details of obtaining swiss citizenship through naturalization, is it possible to reduce the period of the process from 10 years to 5 years?
What’s your split of monthly investments between tax-deferred retirement accounts (Pillar 3a) and other, non-retirement investments?
Hello thank so much for your comment! We really appreciate that 🙌🎉We actually do not pay into the 3rd pillar and mainly use ETFs ourselves ⭐️🍀 How about you? Have a wonderful evening 💡✨
0:47 I like the positivity of that dude
Thanks for your comment 😊
I invest in real estate, bought two apartaments in Germany and one in Bucharest Romania. Also, some money in ETFs and some stocks like Apple, Tesla, Microsoft but unfortunately I started too late.
Thanks a lot for your comment and sharing this great information!! 😊
It's never too late :) It is great to hear your story!
It's never to late. Time in the market beats timing in the market.
im here to ask all these guys how do they deal with Finanzamt or Steuer in DACH Region. How investment is legal? can someone ellaborate on that? Great video by the way, from a Greek neighbor living in Vienna :)
Sir is your household income 80k swiss francs a year in zurich? Plz reply. Thanks a lot.
Can u make video abt total cost for study in swizz for international students
Schöne Grüße aus Hessen❤
Hey there! 👋 Gotta hand it to you guys - the content was interesting, and that intro got a chuckle out of me. 😂
But let's talk crypto, the elephant in the room. I'm genuinely surprised at how many people dive headfirst into this crypto world.
I can't shake off a bit of skepticism, though. The unpredictability of the crypto market is no secret, and it's a rollercoaster... Is it a revolution, or are we just caught up in the hype?
As for the future, I'm cautiously curious. Decentralization sounds great in theory, but how practical is it? And with the crazy fluctuations, it's hard not to raise an eyebrow. We're all in this crypto boat, but is it heading for calm waters or stormy seas?
Seeing so many people investing is both fascinating and a bit unnerving. It feels like we're all part of an experiment, and who knows how it'll play out. Are we witnessing the evolution of finance, or is it a bubble waiting to burst?
Man what a comment!
Thanks a lot for your very detailed and thoughtful comment!!
Nice video. Need to create more content, I guess?
First, you must invest in yourself (in your knowledge/training, etc.) then you can start investing money for the long term
Completely agree! 😊
I fully agree with that statement!
Sir how much an engineer and marketing professionals in your position earn in zurich? Plz reply. Thanks a lot.
Hello thank you so much make this information video god bless you🌹🌹🌹🌹 I love Switzerland ❤❤❤❤❤ 🇨🇭🇨🇭🇨🇭 goodbye👋👋 🇵🇰🇵🇰🇵🇰🇵🇰🇵🇰
Thanks so much for your comment! We hope you are doing fine ✨👍
The Swiss guy really has the vibe of Patrick Bateman
Hey there thanks for the comment! What do you mean?
@@claudiaandjan Oh, you know the character from the notorious film American Psycho, the guy in your video has the similar style and face 😅. By the way i like the simplicity of your videos 🥂👏🏼
Let’s see Paul Allen from Zug 😁
How to get job in Swiss bank for foreigners
Success is dependent on the actions or steps you take to achieve it. Show me a man who doesn't have an investment, and i will tell you how soon he will go broke. Investment is building a safe heaven for the future. With the right choice of Investment that has at least 1% minimum risk and with an expert guidance, profit and Intrest is 100% guaranteed.I pray that anyone who reads this will be successful in life too 🙏🙏🙏
You're absolutely right, you've remind me of what someone once said "The mind is the man, the poor is in it and the rich is it too". This sentence is the secret of most successful investors. I once attended similar and ever since then been waxing strong financially, and i most tell you the truth..investment is the key that can secure your family future.
Starting early is the best way of getting ahead to build wealth, investing remains a priority. I learnt from my last year's experience, i am able to build a suitable life because I invested early ahead this time..
I urge everyone to start somewhere now no matter how small, this is literally the time for that, forget material things, don't get tempted,i became more better the moment i realized this.
@@johnalex4006 yeah investment is the key to sustaining your financial longevity but venturing into any legitimate Investment without a proper guidance of an expert can lead to a great loss too
That's why the best investment is when you invest in yourself
Bitcoin. I'd forget about Ethereum, its legal status is _very_ questionable at this point.
Hello why is that?
Hello thanks for your comment. We are not so much in the crypto game. I am not sure why Ethereum would have a problem and Bitcoin not? Can you explain?
@@claudiaandjan One big reason is that Bitcoin is property and Ethereum is security (according to the so-called Howey test, so for example in the US Bitcoin is property according to the tax law, so it's not like a stock but like a piece of land). This means ETH is (as of today) like an _unregulated stock,_ so to me this means risky business: what if the SEC in the US simply delegalize it, like they did with that Bankman-Fried guy? OTOH Bitcoin has no single issuer, there was no pre-mining, there was no investment prospectus, there is no leader or central authority, etc. The standard distinction is that Bitcoin is its own thing, it's _not_ crypto, which is all the other digital tokens. The entire field is still so new that the terminology itself is still being hashed out. Here is an interesting bit of statistics: for the past 3 years in the US bonds went down 22%, silver down 21%, gold down 4%, NASDAQ is up 24%, S&P up 30%, Bitcoin 199%. I don't know what else to say 🙂(Except that Mahler's 5th Symphony will be playing on 1 February at 18:30 at the Tonhalle, hope to see you there! 🙂)
@@Patricker-qm8pd I responded below (same thread). One more fatal flaw of Ethereum for me is its switch to the proof-of-stake which made it vulnerable to large actors (like governments) to basically overrun it. An interesting viewpoint is on Matthew Kratter's channel: th-cam.com/video/0jT5BqMPBRE/w-d-xo.html
It’s great to see some women are investing as well, but it seems mostly these are men. Times ahead are going to be challenging, so whatever people decide to invest into, do your research!
Thanks a lot for your comment! 😊
Hey there, but as they mentioned in the end is that way more men answered / wanted to answer than women. What do you think about that?
It is said that lots of women still are not interested in finance :(
Hello thanks for your comment 👍🙂
You guys disappeared in the winter months? Any plan to come back?
For me, digital currency is still the best market for investment.
The Dutch guy almost has a US accent 😮
Haha thanks for your comment! Are you Dutch as well?
@@claudiaandjan Not at all. I am Cameroonian based in Zurich. Great content!
Ahhh wow interesting 🙌🙂
It's totally possible. I'm Finnish, and I have never been to the US, but I have a pretty American accent when I speak English. It didn't happen by accident.
There are a lot of accent training videos on TH-cam. So over the course of two or three years, I trained my accent by repeating phrases that I heard on Rachel's English, The Accent's Way with Hadar, Jennifer ESL and other channels.
Repeating what a native speaker says while mimicking their accent does two things: #1 You start combining different words and phrases into ever larger blocks. Then you stop thinking on a word-by-word basis abd instead can recall entire phases or sentences from memory. If I asked you what 4x4 would be, you'd most likely be able to tell me that it's 16. You probably didn't need to calculate anything as the right answer just "came" to you. A similar retrieval process begins to develop when repeating phrases. #2 You start saying things with native-like intonation patterns and you begin to discriminate subtle details that most non-native speakers don't notice.
Now, the Dutch guy may not have trained as intensely as I did, but one advantage the Dutch and Northern Europeans have is that they don't dub foreign programs. So, they hear the original language every day.
In most Nordic countries, the entertainment that locals consume is heavily dominated by American and British content. So, there's no end in sight for exposure to various British and American accents.
@@excitedaboutlearning1639 Thank you so much for the explanation. It makes a lot of sense!
We missed you guys
it's been so long that you posted last video
are you ok?
The guy who invests everything in crypto is brave.
He is just a troll :)
I do not think the is a troll. Did not seem to be like... @@emb3rke
@@emb3rke doubt he is one of those who made a fortune in crypto and now lives for his own pleasure 😉
Hello thanks for your comment, we can tell you that he is not a troll and just decided to go this investment strategy
I appreciate the knowledge you've provided, There’s this woman I got in touch with during the last economic recession which cost me my job. Ms. Norman Davis helped me manage my assets by introducing my to the best trading method, I earned a lot of $$$ working with Norman at the comfort of my home. I still keep in touch with the amazing lady
Most family are struggling to survive. meeting Ms Davina Norman has brought me great success. Even with the economy situation I'm still sure of my $ 15,000 weekly
Hi there, I’m commenting from Switzerland . Interesting to know she connects with people from different parts of the world. Such an ambitious woman. I got in touch with Ms. Davis early this year. As a newbie in the market, I had little knowledge on predicting the stock market, but with Ms. Norman weekly analysis and advise profits are guaranteed! I received three times my initial deposit in a week!!
I want to be financially free , I currently work 2 9-5 jobs and I’m struggling to pay bills along with my moms medical bills. I heard about forex a little while ago and was really interested and wanted to get into for the longest but I never had someone who could help. Can I get her contact? I need her assistance
How can I reach Davina does she have a telegram page??
Yes, she does and is very accessible with the username..........
No video in the winter days in Zürich? It's understandable that interviewing on the street would be hard.
I'm wondering, this is irrelevant, but will there be a video about the comparison between California and Zurich? You can compare two cities from gross to net costs of living (calculated with software engineer salary optional).
Purely out of curiosity, are there no black people in Zurich? I never see any in your videos
Hello,I genuinely love switzerland and I will take swiss citizenship in future. But as an non eu/efta citizen it much more complex case. So can you make video like what is procedure to get c permit and any fasten process without marriage and investment route like some people say that you might get c permit in 5 years of residence in switzerland even if you are non eu/efta citizen,and non married to Swiss national if you are well integrated in society,have clean records,never opted for social security,passed tests that show your knowledge about switzerland geography, history, politics, constitution is commendable,and your language proficiency is also quite good and if your graduated from Swiss University and work in technological/important fields the authorities might grant you c permit in 5 years then in more or less 2 years conversion into citizenship if everything goes fine .so I want clarity on this. Please make a video about this it means alot ❤.
Hi I will be in Zurich for a few weeks. Do you guys wanna hang out ? Or have a meet and greet ?
You guys broke up?
Ist irgendwas passiert? Alles okay bei euch?
Are you guys ok?
Go crypto.
Hello why do you think so?
@claudiaandjan The current fiat-based system is flawed, and the social contract between the people and the governments is long ditched. People should reclaim the control over their money. When you work for currency and governments are printing money to fund wars and increasing taxes on you, it feels that working on a job is a scam. Well, that's a subject for a long debate...
Thanks for sharing your thoughts 💭
First guy is not investing, he's gambling on life
Hello thanks for your comment 😃👍
Maybe you can elaborate a bit on your opinion?
@@claudiaandjan Yeah sure, investing is something that requires some analysis and knowledge. Buying cryptos cause "why not", or because you heard of Bitcoin in some blogs 5 yrs ago is just like going to the casino and put your money on the red at the roulette.
Call it "high risk investment" because of the volatility but actually is just gambling imho. Not considering the fact that 99% of all the cryptos are just speculations. Okay Bitcoin and eth, but all the others? Most of the projects behind them are just scams, speculations or grey stuff difficult to evaluate. That's why I'm saying is like gambling.
Plus the guy also said he tried stocks and then switched to cryptos again. Aka, he bought some random stuff and ofc lost from it. He sounded like someone, compared to others, without a clear strategy and more like a crypto gambler to me, without offense ofc.
Thanks for your explanation!