Risk-averse mother retiring in 10 years - where should she put her savings?

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61

Does it even matter? If you expect a comparably low pension and have some savings, and a high risk avoidance and low knowledge to invest (compared to many users here, not necessarily representative for either CH or IT), an average pension fund might be just the thing, even if your one-time tax savings are very low.

With 3a, she’d still have close to 0 return, or a direct investment risk (which she seemingly doesn’t want), but with pillar 2 she doesn’t.
Plus the option to get the pension, whether it’s 4% or 6% conversion in 10 years, or (partly) withdraw in case there’s higher cost e.g. for renovation etc.

Ma0’s comment above does sound harsh, but most things have been said in here.

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62

You must be kidding. As soon as self-driving cars are mainstream, car ownership will decline. I don’t know how may percent of decline in ownership is needed for the parking spot market to fall like a stone.

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63

Parking spots are usually in populated places. Open spots on streets can be used for very needed urban projects. Parking lots are usually situated in cities/towns and the land would be sought after for other projects. The land should keep its value.

There’s probably some mileage to milk in the parking spot market, though that is not what I would advise for a risk averse relative.

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