investing in fixed income

[aleigharven_ney_mad]

In different European countries banks offer now deposits that offer over 3% interest (example https://perfinex.de/calculator/best-…unt-in-europe/ )

How can we access that from Switzerland?
Surely there is some investment vehicle that allows you to invest in a fixed income deposit in euros?

I use DeGiro for investing in ETFs but I couldnt find if they offer this kind of option.

advice?

thanks!

[Loffpaalynn]

The 3% interest you mention is specific to EUR, so you need to consider if exposing yourself to EUR for you is an acceptable risk or not.

If you want to get fixed income in EUR you have multiple options:

• Open a savings account in a Swiss bank in EUR: https://www.moneyland.ch/en/savings-accounts-comparison
• Open a fixed deposit account in a Swiss bank in EUR: https://www.moneyland.ch/en/fixed-te…its-comparison
• Open a fixed deposit or savings account at a foreign bank (you need to be careful to consider the consequences w.r.t. taxes, protections, etc.)
• Get interests from a broker instead of a bank. For example, Interactive Brokers pays 2.5% on EUR cash: https://www.interactivebrokers.com/e…rest-rates.php
• Invest in money market funds or ETFs. E.g. https://www.justetf.com/en/find-etf…x&currency=EUR
• Invest in short-term bonds or their ETFs (more exposure to interest rate risk w.r.t. money market funds, but still low risk). E.g. https://www.justetf.com/en/find-etf…3&currency=EUR

[Ternsh]

Yay, I invested 20000 francs in Euro.That's €20,500. Yay, it's now work €100'000

Oh, that 5 rappen.