If 100k is the maximum you would put there, and I suspect many of us are dealing with a smaller cash position assuming the strategies that are emphasized on this forum,
I don’t get how chasing a few hundreds by adding complexity, contracts, paper work, children proxy, is a great deal.
Especially when it’s time-limited, and you should as well cancel everything afterwards.
“If 100k is the maximum you would put there, and I suspect many of us are dealing with a smaller cash position assuming the strategies that are emphasized on this forum.”
That is unless you consider these positions not as cash (pretty illiquid as a matter of fact), but as bonds. Then you’ll easily end up north of 100k.
I’d say 100k insured at 1% interests sounds better than most actual low-risk bonds in CHF right now.
Just a 4yi: It is now possible to open a Coop Depositenkasse Konto directly from internet with their App. Interests are 0.4%pa with a block for 6months.
there was a time when these societies paid higher interest than standard savings accounts with good banks. There was a time i had about 80k with such societies (including real estate societies). These days are over… its not worth it, especially considering the credit risk you take.
Probably nothing much. There are enough competitors eager to gobble up their market share. I mean, CS went bankrupt (or was declared as such), businesses got absorbed and restructured. UBS wasn’t the only one interested.
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