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One thing is clear: tackling your finances is a great enrichment for your life and that in the truest sense of the word!
But as a beginner, the topic can be very overwhelming. It's no secret when I tell you that the financial world is sometimes even intentionally complicated by established financial institutions. Because if something looks complex, expensive advice and expensive products can be justified.
How investing in Switzerland works and how you can see through the fog here, we show you in this - Investing for Beginners: Switzerland Edition -Anleitung very much like!
If you have any more questions on the topic, we look forward to an exchange in the comments!
You would probably like to start investing right away, wouldn't you? Since investing for beginners in Switzerland is not so easy, we take you by the hand with this guide piece by piece.
First of all, you should think about how much you want to invest. To do this, you should know how much money you currently have and where it is located. Once you have a rough budget, you can determine what portion of your assets you can invest. As a rule of thumb, don't invest money that you will need in the next 5 years. Why?
Since stock markets or even real estate and especially crypto markets fluctuate strongly, investing can also go down from time to time. If you only invest money that you can keep in the market for several years, you can ride out worse years and be successful in the long term.
Investing in stocks as a beginner? Or would you rather invest in cryptos and gold? That's not the real question.
Rather, you should consider your investment horizon and your risk appetite (keyword Volatility). If you know this, you can create a Investment strategy for you and choose investments intelligently.
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Regularly there are studies about which beginner mistakes fresh investors regularly make. We have looked at some of them and brought you 3 tips for investing money as a beginner in Switzerland.
Unfortunately, beginners are often persuaded to make risky individual investments by questionable sources (such as friends, financial magazines or YouTube channels). We probably all know someone who has "burned his or her fingers" with Telekom shares or other examples. Nevertheless, we let ourselves be carried away by greed to such investments again and again (Comparison Daniel Kahneman`s book - "think fast, think slow".).
However, those who diversify their investments as beginners, for example with an index fund, Roboadvisorn or ETFs fares better in the long term, according to studies.
The aforementioned greed often drives us to risky investments, as we probably all want to get rich quickly. However, it is exactly this greed that makes us become irrational and take too high risks. Perhaps the best advice against short-term trading, greed and emotional acting, is to think long-term.
Imagine that the money you invested is no longer available for at least 5 years. No matter what happens to it, you don't care because you are purely interested in the long-term result. In the long term, broadly diversified stock investments bring in about 7-8% return per year. If it goes down in between, don't be shocked as an investment beginner. Rather, see it as a favorable opportunity to buy even more shares.
Low fees are a gift of return. Why?
Returns are never guaranteed, but fees are. Therefore look for a favorable broker or Roboadvisor for your investments as a beginner. Spoiler: The house bank is usually always the wrong address. Here we have provided you with a good overview of favorable points of contact for your investments as a beginner in Switzerland.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Making investing easy for beginners throughout Switzerland is part of Schwiizerfranke's mission. We hope that this article about investing for beginners will help you to gain first experiences. In the end, as a beginner, the main thing is to start with a small amount, gain initial experience and then grow bit by bit. Investing is not complicated, it just requires patience and some initial effort. We will gladly take you by the hand and answer any questions you may have.
What else would interest you? Have you already gained some experience as an investor in Switzerland?
We look forward to your comment!
2 Responses
Hoi zäme 🙂
I would be very interested in the topic of currency. Do you invest in CHF or e.g. in EUR/USD? And why?
Merci already, Janina
Thanks for your input, I'll gladly take it for you!