Where to keep savings with a small financial return and full flexibility to withdraw?

[Dr.PI]

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 …

Overview: Best CHF Rates (insured up to 100k)

Last check/update: 9.1.24 Best rates only & important conditions only [de] [fr] [it] = Website available in that language only Short guide to fixed income options Special savings accounts [ Thread ] = limited time & new money only CLER 1.8% (for 1 year, 0.8% afterwards) 6m notice for >50k p.a. to not lose bonus interest (1%): max 20k within that year & no notice within that year (= lower actual rate for >20k) Avera [de] 1.45% (until 30.6.24) 31d notice for >20k per month start…

CHF accounts with best interest rates: discussion

New offer with 1.5% up to 250k (without any withdrawal restrictions): The new bank reinventing banking & investing | radicant bank ag It is a subsidiary of BLKB, but without state guarantee. Maybe BLKB would use their state guarantee to fill any holes in the balance sheet, but I still would not risk it for >100k.