nest egg calculator nest egg switzerland fuck you money how much saved with 30 switzerland how much save per month

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Calculate emergency fund & 3 tips for your savings account

Have you ever asked yourself, how much money you actually for Emergencies and others unplanned expenditures should have saved?

A health incident, a loss of job or other financial charges can be counteracted with a nest egg. In this article, you will find out what a nest egg is and how much money you should have on hand as a nest egg. 

You can also use our nest egg calculator to calculate your Calculate your personal nest egg and top up your savings account in a targeted manner.

You can also find out which banks offer you a low-cost savings account.

Table of contents

How much should the emergency fund be? Calculate emergency fund Switzerland

There’s no one-size-fits-all answer to the question of how much your emergency fund should be. The key factors are, in particular, your necessary monthly Expenditure, the Security your income, any potential second income in the household and financial Responsibility for children or family members.

To help you personal The easiest way to work out your emergency fund is to use our emergency fund calculator above. It takes into account your income situation, the number of income earners in your household, and any children or other dependants. Based on this, it recommends how many months’ worth of expenses your emergency fund should cover.

Next, enter your essential monthly outgoings and any savings you already have. The calculator will immediately show you the target amount you can aim for and how much you still need to reach it. The recommendation serves as Orientation and can be tailored to your personal circumstances.

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(F*ck you Money is a concept of a savings amount in order to be able to quit at any time if you don't like the job and thus say "f*ck you" to the boss, so to speak. This can provide mental peace in the job so-called).

Where to invest a emergency fund?

After calculating your savings amount, you can build up your nest egg and in a savings account place. The bulk (or depending on the financial possibility) of the amount should ideally be 100% liquid and immediately accessible.

Again and again you have asked the question "Where to invest your nest egg? Shares or other, strongly fluctuating as well as illiquid forms of investment (e.g. real assets or bonds) should be urgently invested. avoided be

Finally, this savings amount is to be used for unplanned special expenses Available as quickly as possible and in sufficient amounts be. If the shares are in an awkward position, not only will a loss be incurred, but the size of the nest egg may also be insufficient for an emergency. Investments and nest eggs should therefore not be mixed.

Which savings account should I use?

Liquid on an account and if necessary even in the form of cash at home (in a safe place of course) it is recommended to keep the majority of the emergency account. This way you are Prepared for unplanned expenses and can access the funds at any time.

If the money is to be in a bank account, find a inexpensive supplier out. Ideally a bank without current account fees. With our Account Finderyou can find an account that suits you. At Zak from Bank Cler there are handy sub-accounts where you can set up a separate emergency account.

Being informed is one thing, but studies show that when it comes to financial matters, few people actually implement. So be one of the exceptions and open now your Emergency account! Seeing and knowing the amount there will not only secure you in emergency situations, but even give you mental peace.

How much save per month?

If you are looking for guidance for your own financial behaviors, we have written you the subchapter: How much to save per month Switzerland.  

As mentioned above, you shouldn't put any pressure on yourself. A good Rule of thumb is about 1/5 or 20% of your net income. For example, if you have a net salary of CHF 5,000, you could set a savings goal of CHF 1,000. A single person with no particular fixed expenses can achieve this much easier than a single earner with a child.

The latter will probably not be able to save that much, which is why such rules of thumb should be understood only with caution. Here is a Account systemif you want to learn more about savings rates.

Bonus tip: Here you can find the 8 best financial tools by Financial Rocker!

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How much saved at 30 nationwide?

The nest egg is a form of saving for emergencies and unplanned special expenses. Again and again you have been asked: How much money should you have saved by 30?

There is no blanket answer to this question. What can be answered is what the median does: 

average assets switzerland by age group median assets switzerland broken down by age group
Median wealth in Switzerland by age, including real assets, real estate, bank accounts, securities and pillar 3a assets (excluding pension fund). Source :https://www.republik.ch/2020/02/10/ungleichheit-und-alter

Swiss citizens have a median wealth of around CHF 227,000 across all age groups. This also includes money from pension plans, such as the pension fund. How much money one should have saved by the time one is 30 depends entirely on one's Personal financial goals and possibilities.

Want to buy a home? Just save something to supplement your pension or for specific life goals? Then write down your goal and get going with our Savings tips and Investment ideas to the implementation.

Don't be put off by generic numbers. After all, many 30-year-olds have only been in the workforce for a short time. An important advantage for young people is the long investment period. The Pillar 3a, you should therefore start as early as possible. to take advantage of this.

How much money should you have saved by the time you're 40?

By the age of 40, many Swiss people are already firmly established in professional life and have already climbed the first career steps or achieved salary increases. How much money you have saved by the age of 40 again depends on your financial circumstances and goals.

Historically, the stock market moves in longer-term cycles of around 7 - 10 years. At the age of 40, it is therefore still possible to invest in shares before these funds are available for retirement. In any case, it makes sense to invest free resources intelligently and, for example, to use the Pillar 3a to use.

Incidentally, the amount of nest egg you should build up will tend to increase with age. This is because the older you get, the Cost of living due to family and other factors.

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Conclusion

Savings rules are partly helpful to Orientation, but unfortunately also often completely unusable.

Financial matters should therefore always be handled personally and individually considered become. Therefore, also use our other free Financial calculator tools, to be able to calculate your financial figures, goals and facts. The above emergency fund calculator helps you considerably in this respect.

By the way, immediately after the nest egg you should take care of your Health care proxy care.

Share now in the comments how many months your emergency fund should last you and why. An exchange on this topic is important and helps other readers of Schwiizerfranke immensely.

8 responses

  1. Hello Eric
    What is your opinion on parking part of the nest egg (approx. 50-70 %) with Monefit? One disadvantage is certainly the currency (Euro). However, the 7.5 % return with daily partial payout compensates for this. The withdrawal conditions with €1,000 immediately available and the residual payout within 10 days also seem quite attractive.

    Reply

    1. Hello David,
      Monefit is not a traditional Swiss banking solution, but a EUR-based investment/loan platform with a significantly higher risk than a normal savings account. In addition to the currency risk (EUR/CHF), you also bear provider and liquidity risks - there is a reason for the high 7.5%.

      For the Swiss in particular, this is often unattractive due to the strong franc. And when it comes to emergency savings, I would personally prioritise maximum security, rapid availability and a focus on CHF. So for me it's a clear no.

      Reply

  2. Hey Eric,

    Thanks for the great post, as always! A nest egg account such as a savings account or a pot in Zak would be a simple solution but.... so inflation eats our savings! In July 2022 inflation in CH was 3.4%. This is purchasing power that we automatically lose when we open an account in cash.

    In EUR I know the nice option of Nexo, there you can also load euros, they are liquid assets, and the positive interest is as high as 8%. Great. Unfortunately they do not allow CHF (yet).

    With about research I found this stock/token: realunit
    Do you/anyone know more about this? As far as I understand they invest mainly in gold. The ERC20 token would be interesting.

    Other ideas to protect the nest egg from inflation are more than welcome 😉

    Reply

    1. Watch out Luca!
      A nest egg is there for emergencies. If you put your nest egg into high-(!) risk investments, the money can be lost in extreme cases.
      Your nest egg should be safe and always available in liquid form. For example, in a normal bank account.

      Nexo is a crypto platform and has no place here under the topic of nest eggs! Please don't be fooled by 8%'s supposedly secure "interest rates". There is no return without risk and a total loss cannot be ruled out with a crypto investment.
      I hope you and all who read along here understand that.

      Therefore, always keep your nest egg safely in an account. Of course there is inflation, but this must not tempt you to make risky investments with your nest egg. Furthermore, there are already (and surely soon with more) banks that pay out interest on your account balance in CHF again.
      Yuh is a first of them.

      Dear greetings
      Eric

      Reply

      1. Hello Eric
        Thank you for your reply and suggestions!
        So as long as I understand there is no other way than to keep the nest egg in a bank account in cash and... unfortunately suffer from inflation 🙁
        Is it really so?

        But I understand what you're saying about Nexo. What about Realunit? They don't look like risky investments...

        Reply

        1. Hello Luca
          Real Unit looks to me, after a quick glance, like a classic robo advisor. You suggest an equity allocation of around 40% - using a rough rule of thumb, I wouldn't invest any money here that I would need again in the next 4 years. So definitely not an option for a nest egg either.
          Inflation protection can be achieved via investments be made.
          However, I would advise you not to invest money that should always be available at short notice for emergencies (like the nest egg).

          Reply

  3. Which should also go into calculating the nest egg ( I call it my Murphy account ):

    - Health insurance deductible
    - Are you dependent on a car but your clunker could give up the ghost at any time?
    - How is your general health? Do you have to reckon with large dental bills, for example?
    - What about insurance? If you don't have contents insurance, could you quickly refurnish your home after water damage?
    - personal risks of a different kind...

    In my experience, Mr. Murphy especially likes to visit people who are not prepared for him. Or could it be that those who are prepared do not see his visit as catastrophic but only as a nuisance???

    Reply
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