The number of blogposts growing more and more, I noticed that it was hard to keep an overview of all the great tools that I use in my life in order to increase my wealth. That's why I grouped them all on this page:


FINANCE


Bank: Zak

Zak is my 100% free Swiss online bank. You are entitled to CHF 50 of welcome cash by using my special code "ONLYMP" in their app (read my detailed article to understand my choice).

Another alternative that may better suit you is the Swiss online bank Neon which I have compared with Zak in this article. I also negotiated you CHF 10 of welcome cash if you use the code "mustachian" during the account opening process with them.


Credit cards: Cumulus MasterCard and Revolut

My Swiss credit card system allows me to earn CHF 551.88 per year compared to a system with UBS, Credit Suisse or BCV credit cards.

Before switching to this setup, I was paying:

  • CHF 100 of annual credit card fee
  • CHF 251.88 for expenses on my expenses in foreign currencies
  • (and I didn't earn anything in cash back)

After the implementation of this new system, here is what we have:

  • CHF 0 of annual credit card fee
  • CHF 0 of fees on my expenses in foreign currencies
  • CHF 200 of cash back per year

In summary:

  1. The Cumulus MasterCard from Migros Bank is 100% free and with the best cash back program in Switzerland. By ordering it with this link you earn in addition CHF 30 welcome points
  2. The Revolut allows me to pay the lowest exchange fees for my online and overseas purchases. You get free card delivery if you use this link!

I explain my credit card system in detail in this article.


Budget: YNAB

YNAB (aka. You Need A Budget), it is the tool I have been using since 2013 and which has enabled me to grow my net worth from CHF 50'000 to CHF 400'000 in 6 years (see the full article).


Stock exchange broker: Interactive Brokers and Degiro

"Stopping to work at age 35-40 while living on your passive income" is based on the fact that you invest your money.

The goal is for your money to work for you every minute of your life. While you sleep, it works. While you're at job, it's working too. While you are hiking in the Fribourg pre-Alps, it also works!

And in concrete terms, what I mean by "it works" is that you earn cash without doing anything at all.

I personally aim for at least 7-8% over the long term with my investments in ETFs.

To buy these index funds as a Swiss investor, I recommend 3 online broker options:

  • Interactive Brokers if you have more than CHF 100'000 invested today or in the next 1-2 years
  • Degiro if you think you are under CHF 100'000 for 2 years or more (because you would pay too many fees at IB otherwise)
  • CornèrTrader if you absolutely want to have your broker located in Switzerland. In case you choose this option, make sure you invest at least once a quarter to avoid paying their CHF 35/quarter inactivity fees

As far as I'm concerned, I chose Interactive Brokers for our money invested in the stock market (i.e. >100kCHF), and Degiro for the money we are saving for our children (which will not reach 100kCHF any time soon).


Real estate: Rendementlocatif.com

After automating my stock market investment strategy, I looked for a way to increase my returns and also to diversify my investments.

By talking to several readers, real estate tempted me because of its tangible side and its returns of at least 15%!

But this world was completely new to me. With very specific calculation methods. That's when I discovered a tool that became essential for me to calculate the potential of a property in less than 3 minutes and this in a 100% reliable and objective way : rendementlocatif.com

Pro tip: create your account at 9.99€/month when you are in intense search phase, and then stop it when you have found your property. And you can then reactivate it at each new acquisition phase ;)


Third pillar (3a): VIAC

You want to take advantage of the pillar 3a tax reduction, but you don't like the outrageously expensive funds in which your savings are invested?

We had the same problem.

VIAC is our solution.

All our 3a money is invested in equity ETFs up to 97%. Minimum fees, maximum returns ;)


Crypto-currencies: Coinbase

I have invested 1'000€ via Coinbase (read my detailed article) in case it turns into CHF 1'000'000 in 10 years. For the moment it has been stagnating since 2017. We'll see about that :) Anyway, one thing's for sure, I'm not adding a dime to this.


TELECOMS


Internet and mobile: Sunrise via QoQa.ch

Being a cash cow with CHF 100-200 of internet + mobile subscriptions? Very little for me.

My current setup allows you to have unlimited home-internet + unlimited mobile abo for everything, for an amount between CHF 42 and CHF 64 (for one person), and between CHF 84 and CHF 105 (for a couple). Now you know what to do :)


PERSONAL DEVELOPMENT


Books

My readings that can help you become richer in different ways:

How to get salary increases:

How to take charge of your life and make it your dream:

How to refocus your life on what really matters (relationships, objects, and much more):


BLOG


Hosting: Digital Ocean and SiteGround

If you want a reliable and cheap hosting for your blog (or any other technical project), I can only recommend Digital Ocean that I use since the beginning of the blog (2014!).

If you use this Digital Ocean link to create your account, you get $50 of free credit to use during the first 30 days.

I was also asked what other platform I would use if I had a blog based on Wordpress. I am currently (as of end of 2019) studying this question for a personal project of Mrs. MP.
We will turn to SiteGround after having browsed the review sites and also having seen other bloggers (whom I trust) choose this hosting company. I'll update this section once we really tested it. In the meantime, do your own research and if you end up on SiteGround, please let me know about your feedback ;)


Note: there are many affiliate links in this article. If you use one or more of them, you won't notice any difference than with a standard link — but the blog will get a referral commission. I thank you for this.
As usual, I only write and review things that I use in my personal daily life, or that I trust.


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