{"id":14003,"date":"2021-12-22T07:00:00","date_gmt":"2021-12-22T06:00:00","guid":{"rendered":"https:\/\/www.schwiizerfranke.com\/?p=14003"},"modified":"2026-11-02T11:18:46","modified_gmt":"2026-11-02T10:18:46","slug":"6-konten-modell","status":"publish","type":"post","link":"https:\/\/www.schwiizerfranke.com\/en\/6-konten-modell","title":{"rendered":"The 6 Account Model for Automated Wealth Creation"},"content":{"rendered":"

Saving money is exhausting for you, you don't enjoy it or somehow there is just never any money left to save?<\/p>\n\n\n\n

If this applies to you, an account model is ideal for you. Even if the topic is easy for you, an account model helps you to achieve your financial goals in a much less complicated way. What exactly an account model is, how the 6-account model works and how you can use it to achieve your financial goals. Zak<\/a> In this article, we\u2019ll show you how to do this. We\u2019ve produced this in collaboration with Bank Cler, as Zak allows you to set up savings pots, making it easy to implement this account model without actually having to open six different bank accounts.<\/p>\n\n\n\n

If you have any more questions on the topic, we look forward to an exchange in the comments!<\/p>\n\n\n\n

What an account model is good for<\/h2>\n\n\n\n

The month is coming to an end, your salary comes into your account on the 25th and you're leaving the money to chance?<\/p>\n\n\n\n

Thanks to the 6-account model, in the long run you won't know the problem of \"having too much money left at the end of the month\". Instead, you will be in control of your finances and achieve your goals. The account model helps you achieve your respective financial goals more easily. To do this, you divide your money into different savings pots. We'll look at how this works in practice later. First, let's take a closer look at the account model.<\/p>\n\n\n\n

The 6-account model explained<\/h2>\n\n\n\n

The 6-account model is set up once and then runs automatically. You can also remove accounts, add additional ones or assign different purposes to them. Today, we\u2019d like to suggest one possible approach:<\/p>\n\n\n\n

Account<\/th>What is it for?<\/th><\/tr><\/thead>
1. Emergency savings<\/td>Contingency fund for unexpected expenses, often equivalent to 3 to 6 months\u2019 living costs<\/td><\/tr>
2. Living expenses<\/td>Budget for food and everyday essentials<\/td><\/tr>
3. Provision<\/td>Pillar 3a: for a pension, self-employment or home ownership<\/td><\/tr>
4. Luxury<\/td>A budget for everything that luxury means to you<\/td><\/tr>
5. Investment<\/td>A fixed amount each month, invested broadly and cost-effectively<\/td><\/tr>
6. Donations<\/td>For a good cause, for example at the end of the year<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

The individual accounts explained<\/h2>\n\n\n\n

Let\u2019s take a quick look at the sub-accounts featured in the account model. As mentioned, you can add, edit or remove individual sub-accounts to suit your personal financial plans.<\/p>\n\n\n\n

In an automated account model, the following sub-accounts are automatically filled via standing order or savings pot function. For example, this could be on the 26th of each month, when your salary arrives on the main account on the 25th.<\/p>\n\n\n\n

1. nest egg account<\/h3>\n\n\n\n

Ideally, your emergency savings account should always be full. This account serves as a reserve for unplanned expenses. An unexpected dental bill, a broken-down car or being made redundant are just a few examples of why you might need your emergency fund. This account gives you security and peace of mind, and for many people it\u2019s large enough to cover 3 to 6 months\u2019 living costs without having to work.<\/p>\n\n\n\n

2. livelihood account<\/h3>\n\n\n\n

A living account in Switzerland automatically gives you a budget for your household expenses. This is where the money you need for groceries and other daily needs ends up every month. With your living expenses account, you can automatically track your spending on groceries, etc. and keep them under control. Savings tips<\/a> for your everyday life can be found in the linked post.<\/p>\n\n\n\n

3. Pension account<\/h3>\n\n\n\n

For many people, retirement planning is about as boring as saving. But we would like to motivate you to think about it again. Because retirement planning can be exciting and, above all, it makes sense for your so-called 3rd stage of life. In the meantime, you can also invest in shares in your 3rd pillar and thus achieve a good return. The Pillar 3a<\/a> Incidentally, it does not necessarily have to be intended for your pension, but can also be used, for example, to finance self-employment or home ownership.<\/p>\n\n\n\n

4. luxury editions<\/h3>\n\n\n\n

Saving for luxury? Yes, because what do we all work so hard for? Whatever luxury means to you, it can and should have a place in your life. So that it doesn't get out of hand, you can set up a monthly budget for luxury spending in your 6-account model.<\/p>\n\n\n\n

5. investment account<\/h3>\n\n\n\n

In a rational book, the investment account might come before the luxury account, but we'll leave the division up to you.<\/p>\n\n\n\n

We recommend that you pay a fixed sum into your investment account each month and invest it as broadly and cost-effectively as possible. We will be happy to show you how and where you can do this most cleverly on our Investment page<\/a> on.<\/p>\n\n\n\n

6. donation account<\/h3>\n\n\n\n

In our day-to-day lives, our spending is often driven by advertising. The 6-account model helps you maintain clarity and achieve your personal financial goals.<\/p>\n\n\n\n

If you want to give and donate to less privileged people, integrate this into your savings model. For example, you can support a good cause at the end of the year (when all the appeals for donations start to arrive in your letterbox). Giving is known to bring the greatest joy, so we highly recommend this account.<\/p>\n\n\n\n

Implementing the 6-account model with Zak<\/h2>\n\n\n\n

Wondering how to implement the account model now?<\/p>\n\n\n\n

With the savings pots of Zak<\/a> this can be set up conveniently. Create as many savings pots as you like, e.g. for the nest egg, living expenses, luxury and donations. Set up the pots so that the desired amount is automatically allocated to the pots after your salary is received. Pension is actually a real pension account 3, which you can also open in Zak and pay into it with a standing order.<\/p>\n\n\n\n

It is also possible to save through securities. However, investing isn\u2019t yet available on Zak. You don\u2019t necessarily need to set up a new savings pot for investments; instead, you can set up standing orders with other providers via the Zak app.<\/p>\n\n\n\n

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Zak voucher code CHFRAN:<\/strong> We\u2019d be happy to show you more about Zak at this point<\/a> and we\u2019ll be happy to give you a CHF 50 voucher if, after opening a Zak account, you Code CHFRAN<\/strong> ...in.<\/p>\n<\/div>\n\n\n\n

\"Zak<\/a>
<\/figcaption><\/figure>\n\n\n\n

Conclusion<\/h2>\n\n\n\n
\"The
<\/figcaption><\/figure>\n\n\n\n

Earning money is not that difficult for many people. Dealing intelligently with money is much more difficult for many. In order to get the most out of your money and achieve your financial goals, we recommend an account model.<\/p>\n\n\n\n

We hope you found this post helpful and look forward to sharing in the comments.<\/p>\n\n\n\n

The information on Zak is intended exclusively for persons domiciled in Switzerland. A Zak account can only be opened with domicile in Switzerland.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"

Sparen ist f\u00fcr dich anstrengend, macht dir keinen Spass oder irgendwie bleibt einfach nie Geld zum Sparen \u00fcbrig? Wenn das auf dich zutrifft, ist ein Kontenmodell ideal f\u00fcr dich. Auch wenn dir das Thema leichtf\u00e4llt, hilft ein Kontenmodell, um deine finanziellen Ziele deutlich unkomplizierter zu erreichen. Was ein Kontenmodell genau ist, wie das 6-Konten-Modell funktioniert […]<\/p>\n","protected":false},"author":2,"featured_media":14007,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_wp_convertkit_post_meta":{"form":"-1","landing_page":"0","tag":"0","restrict_content":"0"},"footnotes":""},"categories":[1,31,106],"tags":[438,437,178],"class_list":["post-14003","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein","category-investments","category-vorsorge","tag-kontenmodell","tag-modell","tag-zak"],"_links":{"self":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/14003","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/comments?post=14003"}],"version-history":[{"count":5,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/14003\/revisions"}],"predecessor-version":[{"id":48887,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/posts\/14003\/revisions\/48887"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media\/14007"}],"wp:attachment":[{"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/media?parent=14003"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/categories?post=14003"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.schwiizerfranke.com\/en\/wp-json\/wp\/v2\/tags?post=14003"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}