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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.
If you have any more questions on the topic, we look forward to an exchange in the comments!
A height for a lump sum nest egg Switzerland-wide cannot be named, as the amount of the nest egg is Always individual is. Risk appetite, monthly living costs and much more influence how much money you should have saved.
To be able to calculate your nest egg, the easiest way is to use our above nest egg Calculator. This adds up your monthly expenses and after entering how long your savings should last, calculates how much savings you should have.
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.
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.
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!
Your key to success! Discover our top recommendations from real testimonials.
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:
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.
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.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
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.
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.
6 Responses
Hey Eric,
Thanks for the great post, as always! A nest egg account like 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 we automatically lose when we create 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 😉
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 nest egg! Please do not be fooled by supposedly safe "interest" from 8%. There is no return without risk and with a crypto investment a total loss is not impossible.
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
Hello Eric
Thank you for your reply and suggestions!
So as long as I understand it has 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 are saying about Nexo. What about Realunit? They don't look like risky investments....
Hello Luca
Real Unit looks to me, after a quick glance, like a classic robo advisor. They suggest an equity allocation of about 40% - using a rough rule of thumb, I would not invest any money here that I would need again in the next 4 years. So definitely not a nest egg option 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).
Which should also go into calculating the nest egg ( I call it my Murphy account ):
- Health insurance deductible rate
- Are you dependent on a car but your clunker could give up the ghost at any time?
- What is your general condition? Do you have to expect large dental bills, for example?
- What about insurance? If you don't have homeowner's insurance, would you be able to get a quick fix 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???
great, thanks for your contribution Alain!