{"id":8788,"date":"2018-02-23T12:11:23","date_gmt":"2018-02-23T11:11:23","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/investing-for-beginners-how-to-invest-in-the-financial-market\/"},"modified":"2018-02-23T12:11:23","modified_gmt":"2018-02-23T11:11:23","slug":"investing-for-beginners-how-to-invest-in-the-financial-market","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/investing-for-beginners-how-to-invest-in-the-financial-market\/","title":{"rendered":"Investing for beginners.\nHow to invest in the financial market"},"content":{"rendered":"Lesedauer<\/span> 2<\/span> Minuten<\/span><\/span>

There are many ways to profit from the financial market.
\nThey all start with the fact that you have to start investing.
\nDue to the many offers, this is not easy, but with a few considerations it is not that difficult.
\nSo, let’s get started right away. <\/span><\/p>\n

<\/p>\n

Smart investing starts with having a handle on<\/a> your pension provision<\/a> and thinking about how much money you can put aside – and for what.
\nBut even without a specific savings goal, you can start putting something aside. <\/span><\/p>\n

Here is an example of how you can get a lot out of even small amounts because you benefit from the compound interest effect.
\nThe longer you invest, the greater the effect. <\/p>\n

\n
<\/i> Examples of the compound interest effect<\/div>\n
\n

Let’s assume you invest CHF 150 per month at an interest rate of 3%.
\nAfter 10 years, you will have CHF 21,000, CHF 3,000 of which is interest alone. <\/span><\/p>\n

Here are two more examples:<\/span><\/p>\n

 <\/p>\n

Monthly savings amount: CHF 300<\/span><\/p>\n

Interest rate: 3%<\/span><\/p>\n

Result in 7 years: CHF 28,000<\/span><\/p>\n

of which interest: CHF 3,000<\/span><\/p>\n

 <\/p>\n

Annual savings amount: CHF 2,500<\/span><\/p>\n

Interest rate: 3%<\/span><\/p>\n

Result in 5 years: CHF 16,000<\/span><\/p>\n

of which interest: CHF 1,500<\/span><\/p>\n<\/div>\n<\/div>\n

To benefit from compound interest, you need products that generate good returns.
\nUnfortunately, savings accounts with interest rates of up to 1% are no longer one of them.
\nOn the financial market, you can expect a return of 3-5% per year in the long term – depending on which products you buy.
\nAnd you already know that higher returns always mean less security, i.e. more risk.<\/a> <\/span><\/p>\n

Here is an example of an ETF that focuses on the 30 largest exchange-traded companies in Switzerland.<\/p>\n

\"\"

Source: justetf. Com<\/p><\/div>\n

In the last 3 years, you would have generated a return of over 11% with this investment and would therefore be well on average.
\nHowever, to buy investment products such as funds, the first thing you need is a custody account.
\nYou can find out how to open one here step by step. <\/a><\/span><\/p>\n

Once you have a custody account, you can buy and sell investment products (such as individual securities, actively or passively managed funds, etc.), have them held in custody and keep up to date with their performance.
\nMost providers also offer you convenient online options for your smartphone.
\nDon’t let the daily ups and downs of prices drive you crazy – it’s best not to look too often. <\/p>\n

We therefore recommend a long-term investment strategy that takes into account your risk capacity and risk appetite.
\nYou select one or more funds, regularly buy additional units over a longer period of time and hold the funds for a longer period of time.
\nLonger here means 7-10 years.
\nYou then simply sit out short-term fluctuations in value. <\/span><\/p>\n

Don’t have a custody account yet? This guide will show you how to select and open a suitable custody account.<\/a>
\n<\/sml-c2a-next-level><\/p>\n","protected":false},"excerpt":{"rendered":"

There are many ways to profit from the financial market. They all start with the fact that you have to start investing. Due to the many offers, this is not easy, but with a few considerations it is not that difficult. So, let’s get started right away.<\/p>\n","protected":false},"author":5,"featured_media":4207,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2175,2208],"tags":[2468,2564,2212,2384,2388,2479],"class_list":{"0":"post-8788","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-optimize-finances","8":"category-investing-in-the-stock-market","9":"tag-compound-interest","10":"tag-depot-en","11":"tag-invest-smart","12":"tag-investing-in-the-financial-market","13":"tag-investment-decisions","14":"tag-wrong-investment-decision"},"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",1236,883,false],"thumbnail":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",315,225,false],"medium":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",800,572,false],"medium_large":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",768,549,false],"large":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",1140,814,false],"1536x1536":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",1236,883,false],"2048x2048":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",1236,883,false],"davenport-blog-thumb":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",971,694,false],"davenport-blog-thumb-grid":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",504,360,false],"davenport-blog-thumb-widget":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",220,157,false],"davenport-blog-thumb-masonry":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",360,257,false],"woocommerce_thumbnail":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",300,214,false],"woocommerce_single":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",400,286,false],"woocommerce_gallery_thumbnail":["https:\/\/www.smolio.ch\/wp-content\/uploads\/2018\/02\/Smolio_Anlegen-am-Finanzmarkt-fu\u0308r-Anfa\u0308nger_Blog.jpg",300,214,false]},"post_excerpt_stackable_v2":"

Lesedauer 2 MinutenThere are many ways to profit from the financial market. They all start with the fact that you have to start investing. Due to the many offers, this is not easy, but with a few considerations it is not that difficult. So, let’s get started right away. Smart investing starts with having a handle on your pension provision and thinking about how much money you can put aside – and for what. But even without a specific savings goal, you can start putting something aside. Here is an example of how you can get a lot out of…<\/p>\n","category_list_v2":"Optimize finances<\/a>, Investing in the stock market<\/a>","author_info_v2":{"name":"Sarah","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/sarah\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8788","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8788"}],"version-history":[{"count":0,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8788\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/4207"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8788"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8788"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8788"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}