{"id":13947,"date":"2025-11-17T19:05:41","date_gmt":"2025-11-17T18:05:41","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/?p=13947"},"modified":"2025-11-26T21:35:55","modified_gmt":"2025-11-26T20:35:55","slug":"charlene-cong-millionaire-at-31","status":"publish","type":"post","link":"https:\/\/schweizerfinanzblog.ch\/en\/charlene-cong-millionaire-at-31\/","title":{"rendered":"Charlene Cong: How she became a millionaire at 31 \u2013 and why she chose a life beyond banking"},"content":{"rendered":"\n\n\n<p><strong>Born in northeastern China, 3 hours&#8217; drive from the border with North Korea, Charlene Cong is now an independent finance and investment coach based in Zurich. After a decade in banking \u2013 including a position at J.P. Morgan \u2013 she took the leap into building her own business. By her early 30s, she had already built a net worth exceeding one million Swiss francs \u2013 a milestone she attributes to a strong money mindset, discipline and a consistent investment strategy.<\/strong><\/p>\n\n\n\n<p><strong>In this interview, Charlene shares why she left her comfort zone, how she invests today, and why financial independence means much more to her than simply having money in the bank.<\/strong><\/p>\n\n\n\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">Contents<\/p><ul class=\"toc_list\"><li><a href=\"#nbsp\">&nbsp;<\/a><\/li><li><a href=\"#Part_1_The_Person\">Part 1 \u2013 The Person<\/a><\/li><li><a href=\"#Part_2_Career_and_Turning_Points\">Part 2 \u2013 Career and Turning Points<\/a><\/li><li><a href=\"#Part_3_Money_Mindset_Wealth_Building_Charlene8217s_Strategy\">Part 3 \u2013 Money Mindset, Wealth Building &amp; Charlene&#8217;s Strategy<\/a><\/li><li><a href=\"#Part_4_Life_in_Switzerland\">Part 4 \u2013 Life in Switzerland<\/a><\/li><li><a href=\"#Part_5_Outlook_Learnings_Special_Offer\">Part 5 \u2013 Outlook, Learnings &amp; Special Offer<\/a><\/li><li><a href=\"#This_might_also_interest_you\">This might also interest you<\/a><\/li><\/ul><\/div>\n<h2 class=\"wp-block-heading\"><span id=\"nbsp\">&nbsp;<\/span><\/h2>\n\n\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/kurz-bundig-component\/kurz-bundig-component.css?v=2\">\n\n<div  id=\"mOKWvBi\" class=\"kurz-bunding mb-3\" style='background-color:#f9f9fa'>\n\t<div class=\"d-flex kurz-bunding-title\">\n\t\t<div>\n\t\t\t<img decoding=\"async\" class=\"kurz-bunding-icon\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/01\/lifghtbulb2.png\">\n\t\t<\/div>\n\t\t<p class=''>\n\t\t\tAt a Glance\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"kurz-bunding-content\">\n\t\t<p><strong>Name:<\/strong> Charlene Cong<br \/>\n<strong>Location:<\/strong> Meilen (Zurich)<br \/>\n<strong>Profession:<\/strong> Independent financial and investment coach, 10 years in banking incl. J.P. Morgan<br \/>\n<strong>Qualification:<\/strong> CFA Charterholder<br \/>\n<strong>Financial milestone:<\/strong> First million by her early 30s<br \/>\n<strong>Motto:<\/strong> Start before you\u2019re ready.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-13911\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Strasse_hoch.jpeg\" alt=\"Charlene Cong\" width=\"1286\" height=\"1933\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Strasse_hoch.jpeg 1286w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Strasse_hoch-768x1154.jpeg 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Strasse_hoch-1022x1536.jpeg 1022w\" sizes=\"(max-width: 1286px) 100vw, 1286px\" \/><\/p>\n\t<\/div>\n\t\t\t\n\t<\/div>\n\n<style>\n\t#mOKWvBi .kurz-bunding-content li::marker{\n\t\tcolor: #37c392;\n\t}\n\t#mOKWvBi .kurz-bunding-call-to-action a{\n\t\tbackground-color: #1bab78;\n\t\tcolor: #FFFFFF;\n\t}\n\n<\/style>\n\n\n<p><\/p>\n\n\n\n<div style=\"height:10px\">\n\t\n\t\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span id=\"Part_1_The_Person\">Part 1 \u2013 The Person<\/span><\/h2>\n\n\n\n<p><strong>Charlene, you grew up in China, close to the North Korean border \u2013 not exactly the epicenter of capitalism. How did that background shape you?<\/strong><br>I wasn\u2019t unfamiliar with money talk growing up since my father is a chartered accountant and runs his own business. But most of the financial knowledge I was exposed to was more about making and saving money, not investing. From a young age, my dream was to become financially independent from my family. I saw that as the key to freedom and having real choices in life. (And finally don&#8217;t need to listen to them for everything haha!) That mindset has stayed with me ever since.<\/p>\n\n\n\n<p><strong>When did you first realize that finance and investing fascinated you?<\/strong><br>Even though I was already fascinated by the idea of making money from money when I was young, I didn\u2019t come from a traditional finance background. I had a bachelor\u2019s degree in literature and a master\u2019s in journalism.<\/p>\n\n\n\n<p>The turning point came when I moved from Beijing to Hong Kong for my master\u2019s degree. In one of the world\u2019s financial centres, I was constantly surrounded by people talking about investments and markets. That really sparked something in me.<\/p>\n\n\n\n<p>After graduation from Hong Kong University, I became a banking journalist. My first full-time job was interviewing multimillionaires, billionaires, and their bankers. That\u2019s when finance and investing became more than just a curiosity, it became my full-time job.<\/p>\n\n\n\n<p><strong>How would you describe yourself in three words \u2013 and how do you think others would describe you?<\/strong><br>Curious, ambitious, and action-taker. Some of my friends say I\u2019m a little over-confident sometimes (haha!) <strong>\u2013<\/strong> but I think that\u2019s what you need when you\u2019re building something new and stepping outside the norm.<\/p>\n\n\n\n<div style=\"height:10px\">\n\t\n\t\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span id=\"Part_2_Career_and_Turning_Points\">Part 2 \u2013 Career and Turning Points<\/span><\/h2>\n\n\n\n<p><strong>You had a well-paid job at J.P. Morgan \u2013 what was your role there, and why did you decide to leave corporate eventually?<\/strong><br>At J.P. Morgan in Hong Kong, I worked in the Asset Management division serving private bank clients. Later, I moved to Zurich and joined a private banking technology firm in 2022.<\/p>\n\n\n\n<blockquote>\n<p style=\"text-align: center;\"><em><span style=\"color: #37c392;\"><strong>\u00ab<\/strong><\/span>At some point, I felt like I was only making the rich even richer.<span style=\"color: #37c392;\"><strong>\u00bb<\/strong><\/span><\/em><\/p>\n<\/blockquote>\n\n\n\n<p>After 10 years in corporate, I started questioning the meaning behind my work. Throughout my career \u2013 from being a private banking journalist to working at a bank and then a banking technology firm \u2013 I realized I was always serving the same group: high-net-worth individuals. It began to feel like I was just helping the rich get richer.<\/p>\n\n\n\n<p>I thought, what if I could use my experience to help everyday people understand money and build wealth with confidence? That idea gave me a new sense of purpose.<\/p>\n\n\n\n<p>And to be honest, I wasn\u2019t happy in my last job either. Luckily, because I started investing early, by that time I had built a 7-figure portfolio. That gave me the freedom and security to take the risk and start something of my own.<\/p>\n\n\n\n<p><strong>What fears did you have when moving into self-employment \u2013 and how did you overcome them?<\/strong><br>So many fears. What if I fail? What will other people think about me? What if I have to go back and look for a job again? How will my family, partner, friends react?<\/p>\n\n\n\n<p>But at some point, I asked myself: I don\u2019t have kids yet, I\u2019ve built a financial safety net, and I don\u2019t have any major financial burdens. Life is short and we will all die just in a few decades. If not now, when?<\/p>\n\n\n\n<p><strong>What was the most valuable lesson you took away from your corporate career?<\/strong><br>I\u2019ve interviewed over 500 multimillionaires and their bankers during my journalism career, and almost all of them said the same thing in one way or another: start investing early and make your money work strategically for you. That key lesson later became the foundation of my investment coaching.<\/p>\n\n\n\n<div style=\"height:10px\">\n\t\n\t\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span id=\"Part_3_Money_Mindset_Wealth_Building_Charlene8217s_Strategy\">Part 3 \u2013 Money Mindset, Wealth Building &amp; Charlene&#8217;s Strategy<\/span><\/h2>\n\n\n\n<p><strong>You reached your first million by your early 30s. How did you structure your wealth? <\/strong><br>The majority of my portfolio is in globally diversified equities, with some limited exposure to fixed income. I also allocate a portion to alternative assets like cryptocurrency, real estate, and gold. In the early stages, I held a lot of single stocks, but I\u2019ve been reducing that exposure over time. <\/p>\n\n\n\n<p>My approach has always been goal-based \u2013 what am I trying to achieve, and which investment options best support my short-, mid-, and long-term goals? That\u2019s exactly what I now teach: strategy before product.<\/p>\n\n\n\n<p><strong>How high is the impact of compound interest on your wealth growth \u2013 after about ten years or once you had reached your first million?<\/strong><br>Over roughly ten years in corporate, I earned about CHF 1 million and saved a bit more than half. By investing consistently, that around CHF 500,000 grew to CHF 1 million. And now, most of the growth of the portfolio comes from compounding rather than saving. The money is growing faster on its own.<\/p>\n\n\n\n<p><strong>Broker selection is a topic passionately debated within our community. Which broker(s) did you choose \u2013 and why?<\/strong><br>I use both Swissquote and Interactive Brokers. Swissquote for local convenience and safety, and IB for its low fees and global market access. What really matters is choosing a broker that fits your needs: things like costs, user experience, additional services, and tax reporting should all be considered.<\/p>\n\n\n\n<p><em>(More about Charlene\u2019s preferred brokers in our reviews: <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-swissquote-experience\/\" data-type=\"post\" data-id=\"9876\" target=\"_blank\" rel=\"noreferrer noopener\">Swissquote<\/a> | <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/interactive-brokers-switzerland-experience\/\" target=\"_blank\" rel=\"noreferrer noopener\">Interactive Brokers<\/a>)<\/em><\/p>\n\n\n\n<p><strong>Your financial credo is: <strong>\u00ab<\/strong>Earn money, save money, invest money.<strong>\u00bb<\/strong> Let\u2019s start with the first part \u2013 earn money: You made several career moves as an employee \u2013 to what extent did financial advancement influence your decisions?<\/strong><br>Absolutely. I\u2019m actually quite transparent about the numbers \u2013 how much I earned, saved, and invested over the past 10+ years. I\u2019ve been quite intentional about choosing roles where I could both learn and grow my income. I started with a job earning around USD 30K, and by the time I left corporate, I was making around USD 200K \u2013 including a few small side businesses along the way.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommenskurve.png\" alt=\"Charlene Cong\" class=\"wp-image-13918\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommenskurve.png 1920w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommenskurve-768x432.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommenskurve-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><figcaption class=\"wp-element-caption\">This chart reflects an approximate trend of Charlene\u2019s annual earnings over the past 10 years. The values illustrate how her income grew from roughly $30,000 to around $200,000, thanks to skill upgrades, salary negotiations, and job changes. Figures are indicative and not exact, as minor year-to-year variations are simplified for clarity. <\/figcaption><\/figure>\n\n\n\n<p><strong>And when it comes to the second part \u2013 save money: How do you ensure that you consistently stick to your savings goals? <\/strong><\/p>\n\n\n\n<blockquote>\n<p style=\"text-align: center;\"><em><span style=\"color: #37c392;\"><strong>\u00ab<\/strong><\/span>As my income grew, I saved 50% \u2013 sometimes even more.<\/em><em><span style=\"color: #37c392;\"><strong>\u00bb<\/strong><\/span><\/em><\/p>\n<\/blockquote>\n\n\n\n<p>I tried to automate everything. The moment my salary lands, a fixed percentage goes straight into my investment account. I treat saving like paying a non-negotiable bill. In the beginning, when I was earning just USD 30K, I couldn\u2019t save much, but I still saved a fixed percentage. As my income grew, I was able to save 50%, sometimes even more.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommens_Sparkurve.png\" alt=\"Charlene Cong\" class=\"wp-image-13926\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommens_Sparkurve.png 1920w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommens_Sparkurve-768x432.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommens_Sparkurve-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><figcaption class=\"wp-element-caption\">This chart shows an estimated trend of Charlene\u2019s yearly savings rate, which increased from about 20% in the earlier years to over 50%, and even around 60% in later years. The numbers are simplified for illustration and do not represent precise annual amounts.<\/figcaption><\/figure>\n\n\n\n<p><strong>Finally, the third part \u2013 invest money: How do you implement your investment strategy in practice? <\/strong><br>I follow a goal-based investing approach. My portfolio is divided into 3 buckets: short-term, mid-term, and long-term goals. Each has its own allocation. I normally rebalance and review annually. <\/p>\n\n\n\n<p>My honest view is this: for most normal 9\u20135 professionals (not talking about successful entrepreneurs), the most realistic and sustainable way to build wealth is very simple \u2013 earn money, save money, and invest money. That is exactly how I did it and you can too.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommen_Spar_Investitionskurve.png\" alt=\"Charlene Cong\" class=\"wp-image-13923\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommen_Spar_Investitionskurve.png 1920w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommen_Spar_Investitionskurve-768x432.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Einkommen_Spar_Investitionskurve-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/><figcaption class=\"wp-element-caption\">This chart represents an approximate cumulative view of Charlene\u2019s investments over 10 years. Unlike the first two charts, this one is cumulative \u2013 therefore the upward trajectory appears more pronounced.<\/figcaption><\/figure>\n\n\n\n<p><strong>How do you deal with the <a href=\"https:\/\/en.wikipedia.org\/wiki\/Lifestyle_creep\" target=\"_blank\" rel=\"noreferrer noopener\">lifestyle inflation<\/a> \u2013 a widespread phenomenon that keeps many people from achieving financial freedom?<\/strong><br>I definitely enjoy a better lifestyle than I did 10 years ago, but I wouldn\u2019t say I\u2019ve fallen into serious lifestyle inflation. One tip that really helps me is to always ask myself: Is this spending going to bring long-term value or just short-term pleasure?<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-text-align-center\"><em><span style=\"color: #37c392;\"><strong>\u00ab<\/strong><\/span>I don\u2019t even get my hair cut in Zurich \u2013 it\u2019s too expensive!<span style=\"color: #37c392;\"><strong>\u00bb<\/strong><\/span><\/em><\/p>\n<\/blockquote>\n\n\n\n<p>For example, I\u2019m always happy to invest a few thousand every year in fitness and business coaching, because it boosts my energy and productivity, and that\u2019s a long-term return. But I usually skip things like designer handbags (I do have one Gucci bag though) or fancy Michelin-star dinners. And I don\u2019t get my hair cut in Zurich, because it\u2019s so expensive here! I always wait to have haircut when I travel in Asia. haha<\/p>\n\n\n\n<p><strong>Full financial freedom would mean being able to stop working altogether \u2013 living solely off passive income and wealth drawdown. Could you do that tomorrow?<\/strong><br>Technically I could stop working now and live off investments if I kept my lifestyle in check. But honestly, I love what I do now. For me, financial freedom isn\u2019t about lying on a beach and retiring early. It\u2019s about having freedom and choices. And right now, my biggest goal is to help others reach that same point through investing early and strategically.<\/p>\n\n\n\n<div style=\"height:10px\">\n\t\n\t\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><span id=\"Part_4_Life_in_Switzerland\">Part 4 \u2013 Life in Switzerland<\/span><\/h2>\n\n\n\n<p><strong>You\u2019ve been living in Switzerland for several years<\/strong>. <strong>What do you particularly appreciate about Switzerland?<\/strong><br>The nature, the security, the lifestyle balance, it\u2019s hard to beat.<\/p>\n\n\n\n<p><strong>Is there anything specific you miss from your Asian home country?<\/strong><br>Food!! I love seafood and spicy Sichuan food. Oh gosh\u2026 I really miss it!<\/p>\n\n\n\n<div style=\"height:10px\">\n\t\n\t\n<\/div>\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1854\" height=\"1720\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Kaffee_quer.png\" alt=\"Charlene Cong\" class=\"wp-image-13907\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Kaffee_quer.png 1854w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Kaffee_quer-768x712.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/11\/Charlene_Kaffee_quer-1536x1425.png 1536w\" sizes=\"(max-width: 1854px) 100vw, 1854px\" \/><figcaption class=\"wp-element-caption\">Enjoying Swiss quality of life \u2013 missing Asian cuisine. Charlene&#8217;s life between two homes.<br><br><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span id=\"Part_5_Outlook_Learnings_Special_Offer\">Part 5 \u2013 Outlook, Learnings &amp; Special Offer<\/span><\/h2>\n\n\n\n<p><strong>Where do you see yourself in five years \u2013 both personally and professionally?<\/strong><br>Personally, I see myself splitting my time between Switzerland and somewhere tropical. Professionally, my goal is for our VISION Investment Academy to become the go-to investing educational program for people who live in Switzerland \u2013 especially for those with no finance background who want to finally take control of their money.<\/p>\n\n\n\n<p><strong>What advice would you give to people striving for financial freedom?<\/strong><br>Start investing early and start strategically! Don&#8217;t just follow some financial gurus who tell you to buy a few ETFs or stocks or cryptocurrency.<\/p>\n\n\n\n<p><strong>If you had to summarize your most important learnings in the investment journey in three points, what would they be?<\/strong><br>1. Don\u2019t wait, take action now.<br>2. Start with your goals, not hot stock tips.<br>3. Automation beats willpower every time.<\/p>\n\n\n\n<p><strong>Aside from good English skills, what else people need to attend your financial coaching sessions?<\/strong><br>With an open mind and a willingness to learn, that\u2019s really all you need. I\u2019ve had students and clients with multiple PhDs, CEOs, and heads of departments at global firms and I\u2019ve also had students and clients who work as chefs, electricians, and people from refugee backgrounds who never finished primary school. Your background doesn\u2019t define your financial future.<\/p>\n\n\n\n<p><strong>And where do they struggle \u2013 what are, in your experience, the biggest stumbling blocks on their path to financial independence?<\/strong><br>Overwhelm. There\u2019s too much noise \u2013 YouTube, Reddit, TikTok. Everyone says \u00abjust follow my strategy\u00bb or \u00abjust buy these ETFs and hold\u00bb but nobody shows how to build a plan around your specific life goals. That\u2019s what I am trying to fix. <\/p>\n\n\n\n<p><strong>And for anyone who\u2019d like to learn more about your approach and course, where they can find you?<\/strong><br>To be fully transparent, we offer both a free training and a paid program. But my honest recommendation is to start with the free session first. If it resonates with you and you feel ready to go deeper, then you\u2019ll have the option to join our signature VISION Investment Academy later. No pressure, just your choice.<\/p>\n\n\n\n<p class=\"has-text-align-center\"><span style=\"color: #37c392;\"><em><strong>\u2013 P a r t n e r&nbsp; &nbsp;O f f e r \u2013<\/strong><\/em><\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sign up for the free training: <a href=\"https:\/\/charlenecong.com\/free-training\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/charlenecong.com\/free-training\/<\/a><\/li>\n\n\n\n<li>Schedule a free clarity call with Charlene and join VISION Investment Academy: <a href=\"https:\/\/charlenecong.com\/vision\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">https:\/\/charlenecong.com\/vision\/<\/a><\/li>\n\n\n\n<li>If you decide to continue after the free training, you can use the code <span style=\"color: #37c392;\"><strong>sfbfriends<\/strong><\/span> to get a CHF 520 discount for the VISION Investment Academy \u2013 and we, at Schweizer Finanzblog, receive a small commission at no additional cost to you.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center\"><span style=\"color: #37c392;\"><em><strong>\u2013 \u2013 \u2013 \u2013 \u2013<\/strong><\/em><\/span><\/p>\n\n\n\n<p><strong>Charlene, thank you very much for the insightful and inspiring conversation.<br><\/strong><br>(The interview took place on 27 October 2025. Charlene and Stefan first met at a Swissquote event and later continued their conversation at Restaurant Ruby in Zurich \u2013 the foundation for this interview.)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span id=\"This_might_also_interest_you\">This might also interest you<\/span><\/h2>\n\n\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-list-component\/post-list-component.css\">\n\n<div class=\"post-list-componenet pt-2 pb-4\">\n\t<div class=\"row\">\n\t\t\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/women-and-finance-switzerland-interview\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1834\" height=\"1297\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/08\/Titelbild_Frauen.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Women and finance Switzerland\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Women and finance in Switzerland: Interview with financial coach Melina Scheuber<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/why-arent-we-all-millionaires-by-now-if-the-compound-interest-effect-is-so-simple-6-stumbling-blocks\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/09\/Zinseszinseffekt_Titelbild_final_EN.png\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Compounding\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/09\/Zinseszinseffekt_Titelbild_final_EN.png 1920w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/09\/Zinseszinseffekt_Titelbild_final_EN-768x432.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/09\/Zinseszinseffekt_Titelbild_final_EN-1536x864.png 1536w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Why aren&#8217;t we all millionaires by now if the compound interest effect is so simple? 6 stumbling blocks<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-swissquote-experience\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1464\" height=\"968\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/02\/Swissquote_Titelbild_EN.png\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/02\/Swissquote_Titelbild_EN.png 1464w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/02\/Swissquote_Titelbild_EN-768x508.png 768w\" sizes=\"(max-width: 1464px) 100vw, 1464px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Swissquote experience (2026): How good and cheap is the Swiss pioneer broker really?<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/interactive-brokers-switzerland-experience\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1324\" height=\"760\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/03\/Titelbild_Frame-3.png\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Interactive Brokers Switzerland Experience\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/03\/Titelbild_Frame-3.png 1324w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/03\/Titelbild_Frame-3-1080x620.png 1080w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/03\/Titelbild_Frame-3-768x441.png 768w\" sizes=\"(max-width: 1324px) 100vw, 1324px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Interactive Brokers Switzerland experience (2026): Best broker for Swiss investors?<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n<\/div>\n\n\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Born in northeastern China, 3 hours&#8217; drive from the border with North Korea, Charlene Cong is now an independent finance and investment coach based in Zurich. After a decade in banking \u2013 including a position at J.P. Morgan \u2013 she took the leap into building her own business. By her early 30s, she had already [&hellip;]<\/p>","protected":false},"author":1,"featured_media":13894,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[181,203],"tags":[],"class_list":["post-13947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-freedom","category-interview-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/13947","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/comments?post=13947"}],"version-history":[{"count":35,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/13947\/revisions"}],"predecessor-version":[{"id":14123,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/13947\/revisions\/14123"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media\/13894"}],"wp:attachment":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media?parent=13947"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/categories?post=13947"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/tags?post=13947"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}