I generally agree that it is not worth the bother of looking for a place for such a sum.
There are some savings accounts that give you a bonus interest for up to a year (0.7 % at WIR or similar amounts if you look a bit further), but even this is unlikely to give you more than 350.00 taxable interest income on your 50’000. Hardly life changing.
It’s 29 CHF per month at best pre tax, and maybe 20 after tax per month.
I’m sure there are easier ways in your life to save that kind of money.
Here’s some food for thought for gamblers out there.
Just something I’ve considered doing myself:
If you’re willing to gamble a bit, you could park 30’000 in a savings account and use 20’000 to buy Barrier Reverse Convertibles. These give a high interest if a basket of shares doesn’t fall below a certain threshold.
Some of these have durations of 6 to 12 months and a coupon of 6-13 %. So, worst case, you get the coupon and the shares, best case you get an interest and your money back.
Please note that money invested in BRCs is lost if the issuer goes bankrupt.
Again, this is basically gambling with a very small likelhood of a total loss and a potential upside of 2000 on 20’000.
Again, please look in your life if you cannot optimise your expenses in a way that will yield a better result.