Thanks to the advice, Simone and Reto know that the proposed investment solutions have a reasonable relationship between return opportunities and risk.
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Simone and Reto are good savers. Every month they can put part of their wages aside. Every year, several thousand Swiss francs flow into their separate accounts. But at the latest when the annual financial statements of the accounts are available, Simone and Reto see it in black and white: with the currently low interest rates, the income from the savings remains modest.
This annoys Simone: “Reto, have you actually noticed that saving is almost not worth it? Maybe we should invest the money.” This topic again, Reto thinks. It speaks to Simone at regular intervals. Her brother has invested in stocks and mutual funds. Reto, on the other hand, fears the risk of a loss on investments. Especially now, when the news keeps talking about falling prices.
Investments are not speculation, as the two are yet to find out. With the right strategy and a diversified portfolio of securities, investors have the opportunity to generate returns over a longer period of time. In addition, only part of the assets are invested in an investment. What is needed for purchases stays in the savings account. In addition, there should also be a reserve of around three months’ wages as liquid funds.
From saving to investing
So far, however, Simone and Reto have not actively explored the possibilities of investments. The financial world seems too complicated for them. They find the division into private accounts, savings accounts and payments into the 3rd pillar sensible – and above all safe. Nevertheless, they would like to check the chances of accumulating wealth so that they can maintain their standard of living in the long term.
“The discussions about impending pension gaps worry me,” says Reto. He’s not alone in that. In the latest Worry Barometer, the topic of old-age provision is in second place. The Swiss are also concerned about the threat of currency devaluation. Simone therefore decides to make appointments with an investment advisor from PostFinance. Maybe her brother is right, and investments offer opportunities for returns.
Invest money as needed
PostFinance offers various investment products. Depending on your needs, you can make your investment decisions yourself, get advice or delegate the investment decisions to the PostFinance experts.
PostFinance offers various investment products. Depending on your needs, you can make your investment decisions yourself, get advice or delegate the investment decisions to the PostFinance experts.
Competent advice as a basis for decision-making
The two of them keep an account together, but they save separately. In an open and informative discussion, the investment advisor establishes that they have different needs with regard to their finances. This means that Simone and Reto receive individual advice so that they can find the right investment solution for them.
In order to find out which investments suit Simone and Reto best, the consultant creates a separate investor profile with each of them. It records how much of their assets they want to invest, what risk they are willing and able to take and what time horizon they have for their investments. Depending on the profile, the corresponding investment strategies and products are then recommended. They are also informed about the opportunities and risks of the various investment solutions. The fees incurred are also disclosed and explained.
Thanks to the competent advice and the serious clarification of his risk profile, Reto’s skepticism disappears. The proposed investment solutions seem to him to have a reasonable ratio of return opportunities and risk. After several days of reflection, he decides that he wants to take the first step towards investments.
Delegate or manage yourself?
Reto opts for an investment solution with the support of a financial expert. He wants to decide for himself where to invest his money. However, he leaves the right investment strategy and management of his investment to the professionals at PostFinance. Every three months, the statement of assets shows him how his investments have developed – or he can find out more about it online at any time.
After the conversation, Simone knows exactly how she wants to invest her money. She opts for digital asset management. In e-banking, she creates an investor profile that is made up of risk capacity and willingness as well as investment horizon and focus. This results in the right investment strategy. Via e-banking, Simone can track performance and change the investment amount or focus at any time.
Note PostFinance
The story of Simone and Reto is only to be understood as an example and does not represent any recommendation or advice for an investment.
The story of Simone and Reto is only to be understood as an example and does not represent any recommendation or advice for an investment.
Experts for your financial questions
If you want to find out whether investing is an option for you, make an appointment for a consultation. In exchange with the financial professionals, you will find the right investment solution.
The PostFinance advisors look forward to your questions and are there for you – even in the evenings and on Saturdays.
If you want to find out whether investing is an option for you, make an appointment for a consultation. In exchange with the financial professionals, you will find the right investment solution.
The PostFinance advisors look forward to your questions and are there for you – even in the evenings and on Saturdays.
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This post was created by the Ringier Brand Studio on behalf of a client. The content is journalistically prepared and meets Ringier’s quality requirements.
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This post was created by the Ringier Brand Studio on behalf of a client. The content is journalistically prepared and meets Ringier’s quality requirements.
Contact: Email Brand Studio