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to invest money
Tax advice can help you make decisions about asset management. Here we show you simple ways to invest money.
If there is money left in the bank account that is not being used for living expenses, the following questions should be asked:
- prevention and tax savings: is it worth reducing income taxes by purchasing 2nd pillar or 3a? If so, where do I get the greatest investment returns?
- Are the 3a accounts structured correctly and are the fees for the products and the bank optimized? Total costs of more than 0.5% are no longer up to date
- Are there special professional situations such as part-time employment or job changes that require a vested benefits account for the assets of the 2nd pillar (“parking” the blocked pension fund assets)?
- In what form is the remaining assets invested: house, loans, savings account, investments or your own company? What liabilities, such as mortgages, exist.
- How does the liquidity of these shares change, what increases and decreases are planned through wages, inheritances or training and travel?
Investment
Below we list recommended partner companies for investment services:
With our partner finpension, you can make flexible payments into 3a pension accounts, into a vested benefits account to park BVG/PK funds or make free investments.
It will be the common ETFs from swisscanto or UBS with up to 100% equity share offered.
For 3a accounts, the flat-rate total costs are 0.39%. Opening and selecting investment products takes just a few minutes in the app. Receive a 25.- discount on fees by applying the code within 24 hours and depositing 1000.- in the first 12 months. finpension voucher code: YX3F4T
![?data=https%3A%2F%2Fapp.finpension]( "Einfache Wege zum Geld anlegen 1")
Investment advice: Aspis strives to protect your capital and find the best possible tailor-made solution for your current situation. You, your wishes and needs are the focus.
Zürcher Kantonalbank offers one of the simplest and cheapest Pillar 3a solutions with the Frankly app. Currently, as of January 2025, the total costs are 0.44% per year. The swisscanto funds available are passively managed and expect returns of up to 5.1%.
Benefit from 35.- discount on fees with the following frankly voucher code: refgfa21a
![?data=https%3A%2F%2Fmy.frankly]( "Einfache Wege zum Geld anlegen 2")
Pillar 3a advice: A way to achieve your long-term pension goals.
![?data=https%3A%2F%2Fwww.aspis]( "Einfache Wege zum Geld anlegen 3")
bank account and neo-banks
current account, payment account and credit cards
Banks hardly differentiate themselves in terms of service: All offer online banking, the usual cards and Twint, as well as counter and paper options, usually for an additional charge. The big difference, however, is the fees, which can be up to 186 francs per year. Difference between the most expensive and the cheapest bank For this saving, an average user in the canton of Zurich with an account balance of 5 CHF, mobile banking and online banking is assumed (source: moneyland). The interest is also included, but does not amount to much and investing money in a bank account is never a good idea.