# Non-longterm-investments
**URL:** https://forum.mustachianpost.com/t/non-longterm-investments/677
**Category:** Investing / Portfolios
**Created:** [February 5, 2018, 2:01pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677 "2018-02-05T14:01:20Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [February 5, 2018, 2:01pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/1 "2018-02-05T14:01:20Z")
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 🙂
# 0-1 years
checkings accounts
- [postfinance](https://www.postfinance.ch/en/private/products/accounts/personal-account-chf.html): 0.0%, zero fees if \>7500 CHF on it
savings accounts
- check the list from the consumer-magazin k-tipp for interest rates [https://www.ktipp.ch/service/zinsen/](https://www.ktipp.ch/service/zinsen/)
money market
- [Zurich Anlagestiftung](https://www.zurich.ch/-/media/zurich-site/content/firmenkunden/vorsorge-anlage/dokumente/performance-factsheets/factsheet-geldmarkt-chf/factsheet-geldmarkt-chf.pdf?la=de):
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/](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)
# 2-5 years
# 5-10 years
- real estate
# 10-30 years
- stocks
- real estate
# 30+ years
- stocks
- real estate
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### Author:  [@weirded](https://forum.mustachianpost.com/u/weirded)
#### Post date: [February 5, 2018, 6:05pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/2 "2018-02-05T18:05:06Z")
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.
Have a look here:
[https://www.moneyland.ch/en/savingsAccount/list](https://www.moneyland.ch/en/savingsAccount/list)
CS seems to offer 1%…
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### Author:  [@Knoch](https://forum.mustachianpost.com/u/Knoch)
#### Post date: [February 5, 2018, 9:11pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/3 "2018-02-05T21:11:42Z")
3d pillar with something like 0.6% might be an option if you don’t want to risk and don’t mind money being blocked.
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### Author:  [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [February 7, 2018, 9:50am UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/4 "2018-02-07T09:50:07Z")
@mods @Julianek @_MP , can you turn this into a wiki post? thanks 🙂
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### Author:  [@Julianek](https://forum.mustachianpost.com/u/Julianek)
#### Post date: [February 7, 2018, 9:55am UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/5 "2018-02-07T09:55:56Z")
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### Author:  [@ChickenFat](https://forum.mustachianpost.com/u/ChickenFat)
#### Post date: [February 8, 2018, 6:15pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/6 "2018-02-08T18:15:18Z")
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](https://www.ca-nextbank.ch/en/en/campaign/ca-boost-savings.html)
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### Author:  [@ma0](https://forum.mustachianpost.com/u/ma0)
#### Post date: [February 11, 2018, 12:58pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/7 "2018-02-11T12:58:45Z")
As I said elsewhere, check coop’s own internal bank.
[http://www.coop.ch/de/services/depositenkasse.html](http://www.coop.ch/de/services/depositenkasse.html)
0.25% to 0.8%
CS Viva accounts are good if you are a student, but you can move only 10k CHF per year. Closing it is free though.
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### Author:  [@ChickenFat](https://forum.mustachianpost.com/u/ChickenFat)
#### Post date: [February 11, 2018, 11:58pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/8 "2018-02-11T23:58:53Z")
> As I said elsewhere, check coop’s own internal bank.
> [http://www.coop.ch/de/services/depositenkasse.html2](http://www.coop.ch/de/services/depositenkasse.html2)
> 0.25% to 0.8%
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…
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### Author:  [@ma0](https://forum.mustachianpost.com/u/ma0)
#### Post date: [February 12, 2018, 7:30am UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/9 "2018-02-12T07:30:04Z")
Yes, right.
But let’s be honest, if a cooperative like Coop goes bankrupt, I think we will have more serious issues elsewhere.
Of course don’t put all your eggs in one basket etc…
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### Author:  [@ChickenFat](https://forum.mustachianpost.com/u/ChickenFat)
#### Post date: [February 12, 2018, 1:07pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/10 "2018-02-12T13:07:28Z")
True. On the other hand, 20y ago a LOT of people handed their cash to Swissair.
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### Author:  [@ma0](https://forum.mustachianpost.com/u/ma0)
#### Post date: [February 12, 2018, 1:30pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/11 "2018-02-12T13:30:30Z")
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).
You can’t really compare them.
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### Author:  [@ChickenFat](https://forum.mustachianpost.com/u/ChickenFat)
#### Post date: [February 12, 2018, 9:29pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/12 "2018-02-12T21:29:13Z")
No I am not. I try to say that unbelievable bankrupcies can and do happen.
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### Author:  [@bamboo](https://forum.mustachianpost.com/u/bamboo)
#### Post date: [February 18, 2018, 9:37pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/13 "2018-02-18T21:37:11Z")
Swissair was considered as a flying bank.
Maybe this could explain why they went broke.
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### Author:  [@MrRIP](https://forum.mustachianpost.com/u/MrRIP)
#### Post date: [April 14, 2018, 9:28pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/14 "2018-04-14T21:28:47Z")
Taxes, it’s 0.5% if paid in advance 🙂 (for swiss residents or C permit holder)
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### Author:  [@wapiti](https://forum.mustachianpost.com/u/wapiti)
#### Post date: [April 14, 2018, 9:46pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/15 "2018-04-14T21:46:25Z")
Right, just to highlight that the interest is different in each Canton.
In Vaud, it’s only 0.125%
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### Author:  [@ChickenFat](https://forum.mustachianpost.com/u/ChickenFat)
#### Post date: [April 15, 2018, 7:28pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/16 "2018-04-15T19:28:58Z")
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.
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### Author:  [@lalala](https://forum.mustachianpost.com/u/lalala)
#### Post date: [January 14, 2019, 6:35pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/18 "2019-01-14T18:35:48Z")
Peer to peer lending gives you between 7 - 12% per year. Minimum investment duration 2 month. Check:
[Mintos.com](http://Mintos.com)
[Bondora.com](http://Bondora.com)
[Advanon.com](http://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.
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### Author:  [@ChickenFat](https://forum.mustachianpost.com/u/ChickenFat)
#### Post date: [January 29, 2019, 6:46am UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/19 "2019-01-29T06:46:58Z")
I was hoping for more, when [https://www.savedo.ch/](https://www.savedo.ch/) announced their expansion to Switzerland. The Hypothekarbank is below average:
[https://www.ktipp.ch/service/zinsen/](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?
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### Author:  [@Be-Independent](https://forum.mustachianpost.com/u/Be-Independent)
#### Post date: [February 17, 2019, 1:59pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/20 "2019-02-17T13:59:19Z")
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.
**Two very interesting providers that offer C2B investments, with low minimum buy-in:**
[Envestio.com (for EUR investors)](https://envestio.com/?invite=51VtF58)
[Grupeer.com (for EUR too)](https://www.grupeer.com?invited_by=grp_1006089)
\*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.
Hope this is helpful 🙂
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### Author:  [@oozoo](https://forum.mustachianpost.com/u/oozoo)
#### Post date: [February 17, 2019, 4:20pm UTC](https://forum.mustachianpost.com/t/non-longterm-investments/677/21 "2019-02-17T16:20:22Z")
Both links are of course referal links. I think you should disclose that.
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