Dear all,
I’d like to collect ideas on where to put money if you’d want to use that money in xx years. please reflect the current (Q1 2018) situation. I rmember things were mentioned here and there, but this would ideally become a comprehensive list at some point
stacking discounted consumer goods 0-50%, risk of increased usage because of availability
Buying discountef reka-money for GA 0-4%
1-2 years
savings accounts
check the list from the consumer-magazin k-tipp for interest rates https://www.ktipp.ch/service/zinsen/
I don’t know why they do not include the CA Energy savings account from CA Nextbank which yields 0.5% (t&c apply)
If you have children you might go with a savings account for young people.
They have better interest rates, usually up to defined amounts (like 25k) and you are limited with disinvesting, so you have to check carefully the conditions.
at the moment, CA nextbank has an offer where they give 1% (p.a.) for the first 6 months and then convert it to a savings account with 0.2%
not so much strings attached (read the fine print below): https://www.ca-nextbank.ch/en/en/campaign/ca-boost-savings.html
I would just like to remind the community here that Coop’s Depositenkasse is NOT A BANK. It has no protection for the savings (as the banks have) in case of bankrupcy. I’m not talking about whether Coop will go bankrupt or they’re too big to fail, but if they do…
Well. Are you really comparing them? One is a cooperative and the other is just a company. They are in different markets and one has to spend a lot of money on big iron planes while the other is probably not spending much anymore on new huge stuff (they do buy new trucks though).
CA Nextbank now has a Konto (CA Boost) where they pay 1% for the first 6 Months. (or until 31.7.18). Read the fine print if you plan to withdraw during this time.
Peer to peer lending gives you between 7 - 12% per year. Minimum investment duration 2 month. Check: Mintos.com Bondora.com Advanon.com (Swiss Market)
And many many more…
I have good experience in all of tje three, but for sure it’s investment so there is risk involved, same as with etf/stock/real estate what ever.
I was hoping for more, when https://www.savedo.ch/ announced their expansion to Switzerland. The Hypothekarbank is below average: https://www.ktipp.ch/service/zinsen/ (scroll down until "Kassenobligationen)
(all the interests are below inflation)
@nugget you may want to include these two links in the section 2-5 years?
I would suggest client 2 business investment sites as well, time frame is usually under 12 months and the returns are very good (between 8% and 16%).
You’re actually investing in development projects, such as power plants, energy terminals, restaurants, real estate etc. Tested and working well, buyback options are included in those, so your capital is safe.
*the links above are referrals, which will grant you additonal startup capital (Envestio) and a timespan bonus, increasing your funds passively
Advanon, a Swiss company mentioned above, is also an interesting concept, but it has a high entry barrier for new investors (50K CHF). EDIT: I did not invest in this one and would not recommend it. See article link posted by @glina below about this particular company.
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