Saving / investing the money

I am missing the topic about saving / investing, so I want to start the topic with following question.

what would oyu recommend for someone who has 150k CHF cash, is still :smiley: young (max 30 years old) and has already invested the max allowed in 2nd pension fond?
thanks for support!

1 Like

I’d go onto a really nice overseas holiday. Then, the rest I’d invest in an ETF fund. If you’re asking a question where to invest on a forum like this, I’d assume you’re not really ready for anything more exotic. Ask your bank for their conditions and then shop around for a potentially cheaper option.

Fundsmith was mentioned a lot on the old forum. Maybe look into that.

That may actually be one of the few threads really worthy of recovery.


I’d look to filling up your 3a account with a provider such as or

After that, some in an emergency fund, and some in a passive tracker such as VT.

Fundsmith had excellent performance in the past but in the last year or two it underperformed its index. I would also suggest to the OP to prioritize 3rd pillar with finpension - as it’s shielded from tax and allocate to global ETF. Also as mentioned by @Phil_MCR outside of the emergency fund, I would also suggest to invest in VT with dollar cost averaging (e.g. a bit every few weeks, not in a single lump) and with a cheap broker (i.e. interactive brokers).
Then the best (and hardest) thing would be doing nothing (i.e. don’t change strategy).

1 Like

and those someone uses 3b pillar? any real worth in it?

it is hard to decide how to invest if you don’t have knowledge or time to track everything.

“Pillar 3b” is a ridiculous term. It simply is whatever you save and invest in whatever form outside of pillars 1, 2 and 3a. It can be cash saving or stocks or bonds or life insurance or real estate or jewelry.

1 Like

I would ensure I have 6 months worth of living costs in an easy to access account. Then pay in the 3rd pillar for 2024.
Then I would gamble 1000 CHF on something a bit exotic hailed as the new bitcoin (but have no idea what that would be, but still wondering how rich I would be had I done that in 2012 :slight_smile: )
Rest in a worldwide ETF not domiciled in US to avoid any tax liability for descendants etc. Need to look into this last bit a bit more but for any new investors, you should check this.

Echoing the others here, it’s a pretty good starting place - congrats.
I would do a set and forget stock portfolio, with index following funds.

On the other hand, with such a sum and maxed out 2nd pillar you can probably already start looking into real estate as well. If you don’t live in an expensive area you could really start with something to live in. If you continue amassing equity like this, you could potentially amortise enough in 5+ years to get out of it and turn it into a rental as you move to something bigger for the potential family (which would be a typical scenario, but with the limited info have to go for the “general” case here :slight_smile: )

I would suggest not to gamble on exotic stuff. It is better to keep investments boring, just put pay into it monthly. Don’t bother looking at it and just forgot about it. This way you are not stressed if the stock market falls and are not tempted to do something silly such as sell at the bottom of the covid crash because you see your stocks down 40% and panic.

Can you elaborate how is Fundsmith better than the usual ETFs like S&P500?

It is an actively managed fund, not an index paper. Higher cost, but chance of higher returns. No guarantees.

Aren’t there no guarantees in both?
On what base do you expect chance of higher returns?

Sure. But many funds don’t beat the index over time, yet have significantly higher management cost. I personally prefer index ETF because of the cost. And I like to keep them quite broad.

Buy a property somewhere nice and sunny? :smiley: This is the only place my instincts take me to in terms of investments. I trust the financiers and bankers…let’s say NOT. :joy: Or buy a nice car or a boat or go crazy and refurbish your house.

  1. Keep some cash for taxes, emergencies
  2. Contribute full amount in 3.a Pillar an invest it in global funds (in Finpension or Viac mainly)
  3. Invest the extra in ETF: VT, and Chill

Probably bad returns. If you have a place empty except for a few weeks a year when you go there, this is a terrible business case. If you rent it out, you may have a small return but also hassle and tax implications. And if you only have 150k to invest, I doubt this gets you a very nice place and even if you put all eggs in one basket instead of a broad investment scope.

1 Like

I would consider this too. Anyway, inflation could eat up a good chunk of them so even such a “debatable” investment is better than no investment.

Why VT particularly? VT seems to be dividend-focused and dividends are taxed in Switzerland, whereas capital gains not.
Why not VOO?