Placement sans risque

[Patirou]

En ce moment, rien qui ne bat l’inflation.

Le meilleur est probablement un placement fixe :

Short guide to CHF fixed income options

The benchmark for fixed income is going to be the risk free rate, aka SNB rates: Current interest rates and exchange rates ( currently ~1.75%). Anything higher than that will mean some risk is incurred (e.g. interest rate risk, the value of the holding will go down if interest rates go up and vice versa, or default risk esp. for corporate bonds). While risk free rate was negative, the clear winner were cash accounts at Swiss banks (since many of them did not apply negative interest rates), but …

L’organiser en tant qu’échelle peut aider (distribuer les placements fixes sur 5 ans pour qu’il y ait toujours un peu de liquidité).