Hi there and happy new year to everyone !
I’m looking for the best way to invest my amount of money from selling my house in France.
Are there any champions in Switzerland to invest on with a very measured risk and about 5% performance a year ?
It’s a big amount of cash and dont want to let this money on a bank account with no performance.
Thanks in advance.
With no risk you can get 1-2% currently, not more.
Keeping in a bank account or similar might be a good idea until you decide what your investment horizon/risk profile/etc. is.
(5% in Switzerland will require large amount of equity investment and corresponding risk/volatility, eg +/- 20% in a year would be pretty normal)
Since real estate is very high here (and maybe too high for us), this sum will be for my 2 kids if we can’t manage to buy a house. We are currently in Lausanne…
Therefore, this money should “work” for them.
So what about companies like Zurich, Nestlé or Novartis, … ?
In this case, I think a Value ETF would do the trick, given that it focuses mainly on defensive stocks.
Alternatively, a CHSPI-type index could be an alternative. This way you tick the diversification and security boxes (in my opinion).
You’d need an ETF that would try to track this index, but I haven’t found one :
Interesting to note that such a fund is available via finpension for 3a .
What could be a good one in your own opinion ?
I have an IBKR account for me where I apply DCA strategy each month with VT.
Why not keep using VT? If you’re happy with the risk profile.
Yes, but not sure to be strong enough to put this amount in one shot…
Why interesting ? I have indeed a 3A pillar with FinPension.
More interesting than with IBKR ?
There is also a retail version of that index fund: CSIF (CH) Equity Switzerland Minimum Volatility Blue (CH0334161509). It has a TER of 0.29%, though. You can buy it e.g. at Swissquote.
Why does OP need low volatility?
Then DCA it in over 1-2 years
First and foremost, I don’t think you should confuse investment with 3rd pillar investment.
I said interesting because I see that finpension really does have a wide range of funds. I haven’t studied their offer in detail, but I’m pleased to see that their range of funds is very broad and diversified.
Anyway, I’m sorry my comment could have been misinterpreted/misunderstood.