[Earnie]

Indeed, for novices, it is not the panacea with this technical vocabulary and these percentages, these ratios… Thank you Jérôme for taking the time to answer us, even if for you these are obvious, and you must have repeated it many times. Courage Mira, with a little time, reading, scribbling on paper, calculations, stubbornness, questions it will come gently. It is within everyone's reach, you just have to get down to it and study. You have to tell yourself that this is not quantum physics, but mathematics that we learned in high school and even before, plus, minus, times, divide, %.
I am in the same situation… So let’s take things one at a time, and happy investing!

[Earnie]

Very interesting approach too, I will study it more closely, although less intuitive for a beginner like me… Indeed, it is impossible to predict exactly when the turnaround will occur, but it confirms my choice not to enter the American market now, and by extension, the others too. I will spend time studying the figures and understanding a choice of about ten values that suit me, to finally buy a maximum of 5 lines when the crash has passed.

On the other hand, I also realize that there is a possibility that this situation of rising prices could last for a few more years, even at the other extreme.

[Earnie]

Ouch yes of course, there are still these parameters to check… I have already opened my e-trading account with postfinance, since I have been a customer for a long time, but I will wait patiently for the transition to see the impact on these fees.

[Earnie]

Well, forget it ;), I think that it is by practicing and navigating in the interface that I will learn it and that I will make it a good tool. And there is always the possibility of having help, which is quite efficient at Postfinance. Besides, I saw that it would now work (mid 2015) with swissquote for deposits? I imagine that this does not change anything for customers.

[Earnie]

But I have already watched it, but it takes several readings for it to sink into my little wooden head…. Just like the magic number, profession rentier, and another one or two books to get started (the stock market for dummies and investing today, a Swiss book by Tout Compte Fait). That's already a good basis to assimilate

[Earnie]

hahahaha good answer! Great article, I'm looking forward to it! But it also deserves to adapt your strategy over time and economic contexts. Even if you plan to invest in the long term, it doesn't necessarily mean freezing your strategy forever. Things change, and the human being's ability to adapt remains his best weapon to bounce back, and not get caught in a trap. The best would even be to anticipate according to the various signals emitted by political economy, geopolitics, and fundamental analysis, and human psychology... All in all, fascinating!!

[Earnie]

OK, well I have set up an automatic savings system, plus a totally controlled budget, and even paying child support, I manage to save almost 30% per month from my net salary with the help of several techniques. So yes, I think I will put aside as much as possible in 2015, and buy shares when the market has corrected (2016 not before...). The prices are rising in a completely artificial way, from my point of view, it would be shooting myself in the foot and ruining my efforts to invest now.

[Earnie]

Yes indeed, that would be Postifinance, but that's because I have trouble practically visualizing dividend management. Sorry if my questions are not clear, you're not the first to raise communication problems with me :). My question to summarize, is to know if via the Postfinance interface, it is possible to see and take a "photo" at any time that one wishes of the status of the securities and dividends, in very distinct and understandable ways. For example, the swissquote interface, I find it very complicated for a beginner. Thank you for your understanding

[Earnie]

Thanks Jerome, I got it!! Fewer titles, and a larger volume of purchases to have the lowest possible brokerage fees. I will concentrate on choosing my titles. I haven't had time to browse the forum from top to bottom yet, but I imagine I will indeed find most of my answers by going through the forum.
A+

[Earnie]

Hello !

When you talk about reinvesting dividends, do you mean waiting until you have accumulated enough dividends to be able to buy back a share of the company that pays them? Or another share?
In my head, I see an investment of (for example) 2000CHF for 20 shares, which would bring in 10CHF/year which would allow you to buy back a share after 10 years. Is this the basis of your strategy? So you have to strengthen your positions for each share over time for an increase in the dividend?
Thank you! (I know my questions are at a newbie level given the level of the forum participants, but I just want to understand...)

[Earnie]

OK for the tax statement. I will look with the trustee to see what they propose. It must be something of this ilk, a small software. So we have to declare "by hand" all our securities, and the software does the rest?

So the dividends accumulate nicely in the account over the years? In the graphical interface, we see the distinction of the securities, with for each security the accumulated dividends? And all this is added up with the value of the securities at time T + the dividends accumulated up to time T?

Thanks for the explanation of the Lombard credit. Indeed, I had already vaguely heard about the leverage effect in the stock market. I am currently using it for the farm that we are renovating which will include 6 apartments (another pillar of dividends that I am setting up for the inheritance)

[Earnie]

There are so many parameters to take into account for a novice. From what I have read, being already a Postfinance customer, the easiest thing for me who wants to do buy and hold would be to open an e-trading account with them. As I plan to buy initially on SIX and NYSE, that will do it.
I went to take a look at Swissquote but I don't find the interface very user-friendly or very intuitive, I'll get started as soon as I have a little more experience for medium-short term trading.
Regarding taxation, does Postfinance establish a document with the summarized positions and dividend gains? Otherwise, I will delegate this job to my trustee…
For each title, is there a breakdown of the dividends received? How are they reinvested?
I admit I don't really know how to start.
Thank you for your answers.

PS: what is a Lombard loan?

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