# Swiss champion with "no" risk? **URL:** \ **Category:** Investing / Portfolios\ **Created:** [January 2, 2024, 4:34pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583 "2024-01-02T16:34:36Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![Jinx](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/c6cbf5/32.png) [@Jinx](https://forum.mustachianpost.com/u/Jinx)\ **Post date:** [January 2, 2024, 4:34pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/1 "2024-01-02T16:34:36Z")
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. ---
**Author:** ![nabalzbhf](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nabalzbhf/32/3277_2.png) [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)\ **Post date:** [January 2, 2024, 4:44pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/2 "2024-01-02T16:44:16Z")
> [@Jinx](#): > > Are there any champions in Switzerland to invest on with a very measured risk and about 5% performance a year ? 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) ---
**Author:** ![Jinx](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/c6cbf5/32.png) [@Jinx](https://forum.mustachianpost.com/u/Jinx)\ **Post date:** [January 2, 2024, 4:52pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/3 "2024-01-02T16:52:25Z")
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, … ? ---
**Author:** ![kawansky](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/kawansky/32/12982_2.png) [@kawansky](https://forum.mustachianpost.com/u/kawansky)\ **Post date:** [January 2, 2024, 4:55pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/4 "2024-01-02T16:55:23Z")
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 : [https://www.msci.com/documents/10199/3a158799-1c67-426a-8125-79b0bc249c80](https://www.msci.com/documents/10199/3a158799-1c67-426a-8125-79b0bc249c80) Interesting to note that such a fund is available via finpension for 3a 🙂. ---
**Author:** ![Jinx](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/c6cbf5/32.png) [@Jinx](https://forum.mustachianpost.com/u/Jinx)\ **Post date:** [January 2, 2024, 4:59pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/5 "2024-01-02T16:59:37Z")
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. ---
**Author:** ![nabalzbhf](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/nabalzbhf/32/3277_2.png) [@nabalzbhf](https://forum.mustachianpost.com/u/nabalzbhf)\ **Post date:** [January 2, 2024, 5:02pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/6 "2024-01-02T17:02:20Z")
Why not keep using VT? If you’re happy with the risk profile. ---
**Author:** ![Jinx](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/c6cbf5/32.png) [@Jinx](https://forum.mustachianpost.com/u/Jinx)\ **Post date:** [January 2, 2024, 5:04pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/7 "2024-01-02T17:04:58Z")
Yes, but not sure to be strong enough 😨 to put this amount in one shot… ---
**Author:** ![Jinx](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/c6cbf5/32.png) [@Jinx](https://forum.mustachianpost.com/u/Jinx)\ **Post date:** [January 2, 2024, 5:07pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/8 "2024-01-02T17:07:42Z")
Why interesting ? I have indeed a 3A pillar with FinPension. More interesting than with IBKR ? ---
**Author:** ![jay](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/j/ed8c4c/32.png) [@jay](https://forum.mustachianpost.com/u/jay)\ **Post date:** [January 2, 2024, 5:15pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/9 "2024-01-02T17:15:57Z")
> [@kawansky](#): > > Interesting to note that such a fund is available via finpension for 3a 🙂. 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. ---
**Author:** ![assemblyrequired](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/assemblyrequired/32/11088_2.png) [@assemblyrequired](https://forum.mustachianpost.com/u/assemblyrequired)\ **Post date:** [January 2, 2024, 5:41pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/10 "2024-01-02T17:41:00Z")
Why does OP need low volatility? ---
**Author:** ![Burningstone](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/burningstone/32/12334_2.png) [@Burningstone](https://forum.mustachianpost.com/u/Burningstone)\ **Post date:** [January 2, 2024, 6:10pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/11 "2024-01-02T18:10:21Z")
Then DCA it in over 1-2 years ---
**Author:** ![kawansky](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/kawansky/32/12982_2.png) [@kawansky](https://forum.mustachianpost.com/u/kawansky)\ **Post date:** [January 2, 2024, 6:51pm UTC](https://forum.mustachianpost.com/t/swiss-champion-with-no-risk/11583/12 "2024-01-02T18:51:21Z")
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.