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You're 25. First real job, first real salary. And no idea what to do with it. Savings account? ETFs? Cryptocurrency? Your colleague swears by meme stocks, your mother says «put it in a savings account».
Welcome to MoneyMoves.co.uk – the free online money game for Switzerland. An investment game that shows you what your decisions will mean in 40 years. No login. No advertising. Just you, a dice and your financial destiny.
The three best players up to 31st December 2025 gain real ETF shares:
| place | Price |
|---|---|
| 🥇 1. | CHF 100 for UBS Core SPI ETF |
| 🥈 2nd. | CHF 50 for UBS Core SPI ETF |
| 🥉 3. | CHF 30 for UBS Core SPI ETF |
Important: You must Swiss franc newsletter Be registered – you will find all the details there.
Why this ETF? With a TER of 0.091%, it is the most affordable Swiss equity ETF, covering 192 companies and offering the perfect entry point into passive investing. More information can be found in the Pillar 3a comparison.
Your key to success! Discover our top recommendations from real testimonials.
Monopoly online is fun – but what does it teach you about money? MoneyMoves is Switzerland's first financial education game. It's a stock market game that teaches you about our financial system: pillar 3a, pension funds, ETFs in CHF.
You roll the dice through 40 years of your financial life. You land on different squares: career opportunities, stock market crashes, lifestyle temptations, strokes of fate. At each square, you make a decision. Invest or consume? ETF or meme stock? Pillar 3a or a new iPhone?
The game shows you the consequences. No lectures, no theory. Simply: «You did X, now you have Y.»
Why I built MoneyMoves: Learning about finance is often no fun. Not everyone wants to read books or listen to podcasts. But learning through experience? That sticks. The problem is that when it comes to real money, mistakes can be incredibly expensive. That's why MoneyMoves is the second-best way to learn without risking your real assets.
After a few rounds of MoneyMoves, you will get a feel for:
Broad diversification often pays off. The «boring» MSCI World often performs better in the game than stock picking or crypto gambling. Not always – but surprisingly often.
Meme stocks are risky. Yes, sometimes someone wins big. Most of the time, they don't. The game shows you what that can feel like over 40 years.
Pillar 3a has advantages. Tax savings plus returns – in the game as often as in real life. Whether it is worthwhile for you personally depends on your situation. More on this in the Pillar 3a comparison.
A nest egg can save you. Those who have to sell during a crash realise losses. Those who have cash reserves can buy more at a favourable price.
MoneyMoves has a public leaderboard. Perfect for after Christmas dinner: who will end up with the highest net worth at 65?
You can share your result via WhatsApp or send a challenge link. «Hey, I've reached £2.3 million – can you do it too?»
Spoiler: Grandma will probably win. That generation knows how to save.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Theory is good. Experience is better. This stock market game teaches you more in 20 minutes than many finance books. Start your financial life and find out whether you will be a millionaire or broke at 65.
Yes, completely. No login, no hidden costs, no advertising. A project by Schwiizerfranke.com.
15-20 minutes. You play from the age of 25 to 65 – that's 40 virtual years.
Yes. Public leaderboard with nickname, character and final assets. Your rank will be saved.
Yes. You choose your profession, income and expenses. Various levels of difficulty are possible.
No. MoneyMoves is a simplified simulation for learning purposes – it is not financial advice. For real decisions: Online broker comparison or Robo-Advisor comparison.
Yes, responsive design. Perfect for on the go or on the sofa.
Eric is the founder of Schwiizerfranke.com and certified IAF wealth advisor. Since 2019, he has been helping Swiss citizens to organise their finances comprehensibly, independently and efficiently.
📌 Note: This article is for information purposes only and does not constitute personalised investment advice.