According to the Federal Statistical Office, households in Switzerland have a monthly savings potential of CHF 1,500. Similarly, in a study, a quarter of individuals surveyed stated that they had between 500 and 1,500 francs a month left over. Enough to make something of it. But how? The basic rule here is: first check your pension situation, then invest in the short term.
Finding the right solution is not easy. In view of the low interest rates, there is little money for money right now. Especially if it’s “only” lying around in accounts. That’s why investments are worthwhile – also because the money is then “gone” and you can no longer spend it. But above all because you are making provisions for later.
Around half of the Swiss have a pillar 3a and around a fifth of the Swiss invest in the stock market. There are many pension and investment products. To find out what you need to look for, it’s best to proceed step by step.
First: Check mandatory pension provision
If you have gaps in your AHV, can you make additional contributions to your pension fund? You can see from your insurer’s statements whether you can make additional payments. Why is this worthwhile? Because of the tax. You are not taxed on payments made. What are the limits? The returns are low, but safe. If you have no better plans for your money, at least you won’t lose anything and will benefit in old age. We have compiled a list of considerations that are worth making when paying (more) into your pension fund.
Secondly: Check voluntary provision
Do you already have a pillar 3a? If not, then it’s about time. Pillar 3a offers tax advantages in Switzerland and you can also withdraw your assets to buy your own home. Limits: Many pillar 3 accounts pay little interest. If you want more than “just” security for your money, invest in securities in pillar 3a. We have compared and compiled the providers.
Find the best pillar 3a
Unbelievable – most people pay too much for their pillar 3a and get too little return. Are you one of them? Find out which pillar 3a is best suited to you with just a few clicks in our free comparison.
Thirdly: Check investments on the financial market
Shares or funds? The latter involve less risk and are therefore the obvious choice for beginners. In addition to performance, you should also keep an eye on the fees. After all, money costs money. You will be charged fees for investing in the stock market, and these vary considerably depending on the provider. This can be particularly significant for smaller investments. Automated ETFs (exchange-traded funds) are a cheaper alternative to traditional, actively managed funds. You can create a diversified portfolio with just a few ETFs. You can find out how to invest in ETFs in our guide.
So, what would you like? Longer-term provision or an investment with a shorter horizon?
Mach den ersten Schritt zur finanziellen Unabhängigkeit
In einer Minute siehst du deine Vermögensentwicklung und dein Einkommen während der Rente.
Last update: 01.12.2024 11:52
