From saving to investing: accumulating assets with the right strategy
, 3 minutes
Many people in Switzerland are keen savers. But a savings account is no longer enough to maintain purchasing power or to accumulate assets. Inflation eats away at assets, interest rates remain low – investing is the only way to generate a real return.
Image: © Adobe Stock, tadamichi
«Saving lays the foundations on which investments can build. Only those who do both will create real assets.»
Adrian Nyffeler, Desk Head Private Banking
For first-timers: just get started
The most important step is the first one and it need not be big. Even small amounts can make the difference.
Three practical tips:
- Set goals: What are you saving for – holidays, your own home, or provision for retirement?
- Invest regularly: Fund savings plans can offset price fluctuations, and assets can be accumulated step by step.
- Diversify: Funds offer diversification – even with small amounts.
Cost-average effect
People who regularly invest the same amount will buy fewer units when prices are high and more when they are low. Over time, the purchase price is smoothed out.
«There’s no such thing as the perfect entry time. What’s important is to make a start and keep going.»
Adrian Nyffeler, Desk Head Private Banking
For experienced investors: Decide yourself or delegate?
The right investment structure (asset allocation) is key for all investors – regardless of their experience. It determines the ratio of risk and possible returns.
Whether you make your investment decisions yourself or prefer an asset management mandate: We will help you to define the right allocation and your personal risk-return profile.
«Our clients benefit from advice that takes the whole portfolio and not just individual products into account. We combine global analyses with local proximity and know people’s individual needs.»
Adrian Nyffeler, Desk Head Private Banking
Asset allocation
Asset allocation entails breaking assets down into different investment classes over the long term. Studies show that it is the most important factor for long-term investment success – more important than individual stocks or market timing.
The role of advice: competence that creates security
Many people are put off investing because it seems complex. This is where our strength comes in:
- Proprietary products: With our investment products we offer solutions that cover a wide range of investment options.
- Individual solutions: As of a certain asset volume we will work with you to develop customised investment plans that are tailored to your personal goals.
- Research: The investment decisions are based on in-depth analyses by our in-house research team.
- Support: We are constantly monitoring the markets and offer you prompt advice if there is a need to make any adjustments.
«I would recommend a personal consultation at Zuger Kantonalbank to anyone considering investing.»
Adrian Nyffeler, Desk Head Private Banking
Saving remains important, but investing opens up opportunities. Whether for first-timers or experienced investors: You can accumulate assets provided you have the right strategy and a suitable product, clear goals and excellent advice.
Ina Gammerdinger
Ina Gammerdinger, Lead Content Marketing and Events at Zuger Kantonalbank, ensures that people learn more about key topics. Her tasks in the area of campaign and brand management focus, among other things, on the themes of “investing” and “future provision”. She ensures that her campaigns are inspiring and generate added value for people living in the Zug region. That's why she regularly contributes her tips to the #ZugerKBlog.
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