# Struggling with GBP vs CHF vs USD investment approach

**URL:** https://forum.mustachianpost.com/t/struggling-with-gbp-vs-chf-vs-usd-investment-approach/4195
**Category:** Share your story
**Created:** [July 19, 2020, 6:51pm UTC](https://forum.mustachianpost.com/t/struggling-with-gbp-vs-chf-vs-usd-investment-approach/4195 "2020-07-19T18:51:23Z")
**Posts on this page:** 1
**Showing post:** 49

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### Author: ![dbu](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/dbu/32/1552_2.png) [@dbu](https://forum.mustachianpost.com/u/dbu)
#### Post date: [July 31, 2020, 8:11am UTC](https://forum.mustachianpost.com/t/struggling-with-gbp-vs-chf-vs-usd-investment-approach/4195/49 "2020-07-31T08:11:55Z")

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> [@ProvidentRetriever](#):
>
> This is why the stability and safety of the risk-free part plays a bigger role than interest rates.

Thanks for the writeup, some good summation points.

I have a very simplistic view, which is probably wrong - so happy to stand corrected.  
In my eyes the current choice seems simple (in the short term):  
A) Lose the inflation amount by holding cash (for CHF - in 2019 it was 0.36%, last couple of years in the range still below 1%)  
B) Lose the amount of negative interest by holding negative yield bonds (not sure what the current going rates are)

For both of which we don’t know what changes come in the mid/long-term.

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