{"id":8722,"date":"2017-07-29T20:00:58","date_gmt":"2017-07-29T18:00:58","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/one-two-and-threesmart-investing-in-three-steps\/"},"modified":"2024-12-01T11:52:56","modified_gmt":"2024-12-01T10:52:56","slug":"one-two-and-threesmart-investing-in-three-steps","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/one-two-and-threesmart-investing-in-three-steps\/","title":{"rendered":"One, two and three! Smart investing in three steps"},"content":{"rendered":"Lesedauer<\/span> 2<\/span> Minuten<\/span><\/span>\n

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. <\/p>\n\n\n\n

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\u2019s \u201conly\u201d lying around in accounts. That\u2019s why investments are worthwhile \u2013 also because the money is then \u201cgone\u201d and you can no longer spend it. But above all because you are making provisions for later. <\/p>\n\n

Around half of the Swiss have a pillar 3a and around a fifth<\/a> 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\u2019s best to proceed step by step. <\/p>\n\n

First: Check mandatory pension provision<\/strong><\/h2>\n\n

If you have gaps in your AHV, can you make additional contributions to your pension fund? You can see from your insurer\u2019s 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\u2019t lose anything and will benefit in old age. We have compiled a list of considerations that are worth making when paying<\/a> (more) into your pension fund<\/a>. <\/p>\n\n

Secondly: Check voluntary provision<\/strong><\/span><\/h2>\n\n

Do you already have a pillar 3a? If not, then it\u2019s about time. Pillar 3a offers tax advantages<\/a> 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 \u201cjust\u201d security for your money, invest in securities in pillar 3a. We have compared and compiled the providers. <\/p>\n\n