{"id":12349,"date":"2023-05-12T09:35:06","date_gmt":"2023-05-12T07:35:06","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/our-recommendations1\/"},"modified":"2026-04-01T16:49:48","modified_gmt":"2026-04-01T14:49:48","slug":"our-recommendations","status":"publish","type":"page","link":"https:\/\/schweizerfinanzblog.ch\/en\/our-recommendations\/","title":{"rendered":"Our Recommendations"},"content":{"rendered":"\n<div style=\"height:100px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-content-component\/unsere-empfehlungen-content-component.css\">\n\n<div id=\"\" class=\"container custom-post-container unsere-empfehlungen-content\">\n\t\n\t<h1 style=\"text-align: center;\">Our Recommendations<\/h1>\n<p><span style=\"font-size: 10pt;\">Last update: 1.4.2026<\/span><\/p>\n<p>Whether you want to optimize your returns with a low-cost online broker, are interested in convenient investing with an innovative robo-advisor or are still looking for a suitable ETF for your portfolio. Here you will find our extensively tested recommendations, many with <strong>an attractive starting bonus <\/strong>for you! <strong>Disclaimer:<\/strong> Investing involves risks of loss. <\/p>\n<\/div>\n<div style=\"height:60px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-component\/unsere-empfehlungen-component.css\">\n\n<div class=\"container custom-post-container\">\n<!-- \t<div class=\"d-flex justify-content-between align-items-center align-items-lg-stretch flex-column flex-lg-row card-wrapper card-gap\">\n\t        \t\t    \t\t<a href=\"#online broker\" class=\"card h-147\">\n    \t\t\t<img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Group-1-1.png\">\n    \t\t\t\t<div class=\"card-body\">\n    \t\t\t\t\t<p class=\"card-text text-center\">Online Brokers<\/p>\n    \t\t\t\t<\/div>\n    \t\t<\/a>\n    \t\t    \t\t<a href=\"#robo-advisor\" class=\"card h-147\">\n    \t\t\t<img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/icon-park-outline_robot-one.png\">\n    \t\t\t\t<div class=\"card-body\">\n    \t\t\t\t\t<p class=\"card-text text-center\">Robo-Advisors<\/p>\n    \t\t\t\t<\/div>\n    \t\t<\/a>\n    \t\t    \t\t<a href=\"#neobanks\" class=\"card h-147\">\n    \t\t\t<img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Group-2.png\">\n    \t\t\t\t<div class=\"card-body\">\n    \t\t\t\t\t<p class=\"card-text text-center\">Neobanks<\/p>\n    \t\t\t\t<\/div>\n    \t\t<\/a>\n    \t\t    \t\t<a href=\"#alternative-anlagen\" class=\"card h-147\">\n    \t\t\t<img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/mdi_diamond-stone.png\">\n    \t\t\t\t<div class=\"card-body\">\n    \t\t\t\t\t<p class=\"card-text text-center\">Alternative Investments<\/p>\n    \t\t\t\t<\/div>\n    \t\t<\/a>\n    \t\t    \t\t<a href=\"#etfs\" class=\"card h-147\">\n    \t\t\t<img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Frame-2.png\">\n    \t\t\t\t<div class=\"card-body\">\n    \t\t\t\t\t<p class=\"card-text text-center\">ETFs<\/p>\n    \t\t\t\t<\/div>\n    \t\t<\/a>\n    \t\t\t\t\t<\/div>\t -->\n\t\n\t\n\t<div class=\"d-flex justify-content-between align-items-center align-items-lg-stretch flex-column flex-lg-row card-wrapper card-gap\">\n\t   <a href=\"#online broker\" class=\"card h-147\">\n\t\t  <img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Group-1-1.png\">\n\t\t  <div class=\"card-body\">\n\t\t\t <p class=\"card-text text-center\">Online Brokers<\/p>\n\t\t  <\/div>\n\t   <\/a>\n\t   <a href=\"#robo-advisor\" class=\"card h-147\">\n\t\t  <img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/icon-park-outline_robot-one.png\">\n\t\t  <div class=\"card-body\">\n\t\t\t <p class=\"card-text text-center\">Robo-Advisors<\/p>\n\t\t  <\/div>\n\t   <\/a>\n\t   <a href=\"#neobanks\" class=\"card h-147\">\n\t\t  <img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Group-2.png\">\n\t\t  <div class=\"card-body\">\n\t\t\t <p class=\"card-text text-center\">Neobanks<\/p>\n\t\t  <\/div>\n\t   <\/a>\n\t   <a href=\"#splints\" class=\"card h-147\">\n\t\t  <img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/mdi_diamond-stone.png\">\n\t\t  <div class=\"card-body\">\n\t\t\t <p class=\"card-text text-center\">Alternative Investments<\/p>\n\t\t  <\/div>\n\t   <\/a>\n\t   <a href=\"#etfs\" class=\"card h-147\">\n\t\t  <img decoding=\"async\" class=\"card-img-top card-img\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Frame-2.png\">\n\t\t  <div class=\"card-body\">\n\t\t\t <p class=\"card-text text-center\">ETFs<\/p>\n\t\t  <\/div>\n\t   <\/a>\n\t<\/div>\n<\/div>\n\n\n<div style=\"height:85px\">\n\t\n\t\n<\/div><div class=\"container custom-post-containerblock-about\"><div class=\"block-about__inner\"><div class=\"block-about__content\">\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/kurz-bundig-component\/kurz-bundig-component.css?v=2\">\n\n<div  id=\"RLxsEQm\" class=\"kurz-bunding mb-3\" style='background-color:#f9f9fa'>\n\t<div class=\"d-flex kurz-bunding-title\">\n\t\t<div>\n\t\t\t<img decoding=\"async\" class=\"kurz-bunding-icon\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/01\/lifghtbulb2.png\">\n\t\t<\/div>\n\t\t<p class=''>\n\t\t\tGood to know\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"kurz-bunding-content\">\n\t\t<p>We want to give you a quick overview with the following product profiles. We will concentrate on the essentials &#8211; with a focus on the conditions. You can find more in-depth research in our separate review articles, which we have linked to. Either way, our aim is to provide you with the best possible support in choosing the right financial product for you. The providers are sorted alphabetically for each product category.    <\/p>\n<p><strong>Tip: <\/strong>Before choosing a new provider, consider whether it really suits your individual needs. If this is only partially the case, check whether a combination of several providers offers the ideal solution for you. This way, you can get <strong>the best of different &#8220;worlds&#8221;<\/strong> &#8211; for example:  <\/p>\n<ul>\n<li data-start=\"421\" data-end=\"500\">\n<p data-start=\"423\" data-end=\"500\"><strong data-start=\"503\" data-end=\"516\">Saxo <\/strong>with a convincing overall package: no custody account fees, savings plans without purchase fees and a Swiss banking license<\/p>\n<\/li>\n<li data-start=\"421\" data-end=\"500\"><strong data-start=\"423\" data-end=\"437\">Swissquote<\/strong> as a fully-fledged bank with cards, a huge selection of ETFs and powerful support<\/li>\n<li data-start=\"598\" data-end=\"684\">\n<p data-start=\"600\" data-end=\"684\"><strong data-start=\"600\" data-end=\"623\">Interactive Brokers<\/strong> for securities on US stock exchanges and foreign currencies at rock-bottom prices<\/p>\n<\/li>\n<li data-start=\"685\" data-end=\"772\">\n<p data-start=\"687\" data-end=\"772\"><strong data-start=\"687\" data-end=\"697\">DEGIRO<\/strong> for ETFs on European stock exchanges at attractive flat rates<\/p>\n<\/li>\n<li data-start=\"773\" data-end=\"850\">\n<p data-start=\"775\" data-end=\"850\"><strong data-start=\"775\" data-end=\"782\">Yuh<\/strong> with commission-free ETF savings plans and fractional trading for equal tranches<\/p>\n<\/li>\n<li data-start=\"851\" data-end=\"919\">\n<p data-start=\"853\" data-end=\"919\"><strong data-start=\"853\" data-end=\"861\">neon<\/strong> for foreign payments with low fees via debit card<\/p>\n<\/li>\n<li data-start=\"920\" data-end=\"1024\">\n<p data-start=\"922\" data-end=\"1024\"><strong data-start=\"922\" data-end=\"938\">findependent<\/strong> for systematic wealth accumulation for your offspring &amp; Co.<\/p>\n<\/li>\n<li data-start=\"1025\" data-end=\"1121\">\n<p data-start=\"1027\" data-end=\"1121\"><strong data-start=\"1027\" data-end=\"1035\">VIAC<\/strong> for your long-term 3a pension with a wide range of investments and fair fees<\/p>\n<\/li>\n<\/ul>\n<p>By the way: With different financial partners, you can not only save a lot of money, but also avoid a <strong>provider-related cluster risk. <\/strong><\/p>\n\t<\/div>\n\t\t\t\n\t<\/div>\n\n<style>\n\t#RLxsEQm .kurz-bunding-content li::marker{\n\t\tcolor: #37c392;\n\t}\n\t#RLxsEQm .kurz-bunding-call-to-action a{\n\t\tbackground-color: #1bab78;\n\t\tcolor: #FFFFFF;\n\t}\n\n<\/style>\n<\/div><\/div><\/div>\n<div style=\"height:60px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-content-component\/unsere-empfehlungen-content-component.css\">\n\n<div id=\"online broker\" class=\"container custom-post-container unsere-empfehlungen-content\">\n\t\n\t<h2>Online Brokers<\/h2>\n<p>If you want to trade ETFs &amp; Co. yourself, you need a securities custody account. Specialized online brokers are often much <strong>cheaper than traditional banks<\/strong>, as the following selection clearly shows.  You can find out how to find your favorite broker in our article <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/best-broker-switzerland-6-important-factors\/\" target=\"_blank\" rel=\"noopener\">Best Broker Switzerland: 6 decisive factors you need to know<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<\/div>\n<div style=\"height:40px\">\n\t\n\t\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/image-1.jpg\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>With more than 3 million investors, the <strong>Dutch price breaker DEGIRO<\/strong> is the largest broker in Europe and has had its own banking license since the merger with the German Flatex. DEGIRO has become particularly popular with its commission-free ETFs, which only incur a processing fee of \u20ac1. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No custody fees and no stamp duty<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Well suited for small investors, as numerous commission-free ETFs (core selection) are on offer with a processing fee of just \u20ac1 per trade<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Particularly attractive for transactions involving large amounts, such as reallocations, thanks to fixed flat fees of a maximum of \u20ac3 per ETF trade<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Moderate exchange rate fees of 0.25%<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Additional passive income possible through securities lending (optional)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Deposit protection of \u20ac100,000<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>DEGIRO bonus offer<\/strong> incl. conditions when registering via <strong><a href=\"https:\/\/www.degiro.ch\/?tap_a=55321-c5c085&amp;tap_s=1016265-b529be&amp;utm_source=schweizerfinanzblog&amp;utm_campaign=DEGIRO+Switzerland&amp;utm_medium=a&amp;utm_content=shares_lp\" target=\"_blank\" rel=\"nofollow noopener\">this partner link<\/a><\/strong> <\/p>\n<p><strong>\ud83c\udf81100<\/strong>CHF trading fees as a gift<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Deposits and withdrawals only permitted in home currency CHF, even if foreign currency accounts in EUR, USD and GBP are now possible<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No automatic savings plans<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No joint accounts<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.degiro.ch\/?tap_a=55321-c5c085&#038;tap_s=1016265-b529be&#038;utm_source=schweizerfinanzblog&#038;utm_campaign=DEGIRO+Switzerland&#038;utm_medium=a&#038;utm_content=shares_lp%20\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/degiro-review-etf-sparplan-schweiz\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/dashed-separator-component\/dashed-separator-component.css?v=2\">\n\n<div class=\"container custom-post-container dashed-separator-component\">\n\t<div class=\"separator\">\n\t\t\n\t<\/div>\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Group.jpg\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p><strong>Interactive Brokers<\/strong> is an internationally <strong>award-winning<\/strong> US broker founded in 1977 with low prices and powerful tools.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No custody fees and no stamp duty<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/www.interactivebrokers.co.uk\/mkt\/?src=schweiz13&amp;url=%2Fde%2Fpricing%2Fcommissions-home.php%3Fre%3Dapac\" target=\"_blank\" rel=\"nofollow noopener\">Attractive trading fees<\/a>: e.g. fixed CHF 5 for ETF trading up to CHF 10,000 on European exchanges or from USD 0.35 (!) on US exchanges<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Extremely low exchange rate fees of max. 0.002% (min. 2$) <\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Free foreign currency accounts<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Fractional trading and automatic savings plans possible for selected ETFs and shares<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>High level of security thanks to separate custody of client funds and generous deposit protection<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Excessively long response times for German- and English-language ticket inquiries (sometimes a week or more)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.interactivebrokers.co.uk\/mkt\/?src=schweiz14&#038;url=%2Fde%2Fhome.php\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider <\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/interactive-brokers-switzerland-experience\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/dashed-separator-component\/dashed-separator-component.css?v=2\">\n\n<div class=\"container custom-post-container dashed-separator-component\">\n\t<div class=\"separator\">\n\t\t\n\t<\/div>\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2025\/07\/Saxo_Logo.png\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p data-start=\"135\" data-end=\"513\"><strong>Saxo Bank, which is regulated in Switzerland<\/strong> and headquartered in Zurich, is a legally independent subsidiary of the Danish parent company of the same name, which was founded in 1992 and serves over 1.5 million clients worldwide. Since the significant fee reductions in 2024 and 2025, it has offered a particularly attractive price\/performance ratio for cost-conscious investors.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Wide range of products &#8211; including over 7,400 ETFs and 23,000 individual shares &#8211; on three selectable platforms, available both on desktop and mobile via app<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No custody account fees<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Attractive trading fees: from 0.03%, 0.05% or 0.08% depending on the account model, with a minimum fee (e.g. CHF 3 \/ USD 1), depending on the trading venue<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Moderate exchange rate fees of 0.25%<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>ETF savings plans without purchase commissions<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Free foreign currency accounts<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Additional passive income possible through securities lending (optional)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Efficient, multilingual support<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Swiss banking license and deposit protection of CHF 100,000<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>Saxo Bank bonus offer<\/strong> when registering via <strong><a href=\"https:\/\/refer.saxo\/schweizerfinanzblog-en\" target=\"_blank\" rel=\"nofollow noopener\">this partner link<\/a><\/strong><\/p>\n<p><strong>\ud83c\udf81200<\/strong>CHF trading fees for free<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No fractional trading<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.home.saxo\/en-ch\/campaigns\/partnerships\/schweizer-finanzblog?seg=1773759920165\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/saxo-bank-experience-funded-and-critical\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/dashed-separator-component\/dashed-separator-component.css?v=2\">\n\n<div class=\"container custom-post-container dashed-separator-component\">\n\t<div class=\"separator\">\n\t\t\n\t<\/div>\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/image-3.jpg\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>As the Swiss market leader with over 700,000 customers, the <strong>pioneering domestic broker Swissquote<\/strong> offers an attractive overall package and scores particularly well with its comprehensive ETF offering.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Comprehensive offering with over 3 million products, including a wealth of ETFs, tradable on numerous exchanges around the world<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Fair flat rate of CHF 9\/EUR\/USD for ETF and equity trading on the SIX Swiss Exchange<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><span style=\"color: #000000;\">Savings plan:<\/span> Regular, automatic and constant investments (fractional trading) possible at entry-level rates from CHF 3<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Free foreign currency accounts<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Additional passive income possible through securities lending (optional)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Everything possible from a single source: trading &amp; payment transactions with multi-currency account incl. free virtual debit card <\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Efficient, multilingual support<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Swiss banking license and deposit protection of CHF 100,000<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>Swissquote promotional code<\/strong>: <span style=\"color: #37c392;\"><strong> MKT_SFB <\/strong><\/span><\/p>\n<p><strong>\ud83c\udf81Trading fees<\/strong>worth CHF 100 as a gift<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Annual deposit fees of CHF 60 to 200 (cost ceiling)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Relatively high exchange rate fees of 0.95%<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.swissquote.com\/en-ch\/become-client\/open-account\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-swissquote-experience\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div style=\"height:70px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-content-component\/unsere-empfehlungen-content-component.css\">\n\n<div id=\"robo-advisor\" class=\"container custom-post-container unsere-empfehlungen-content\">\n\t\n\t<h2>Robo-Advisors<\/h2>\n<p>If you want to keep things simple, you can do without manual investing. Instead of an expensive bank advisor, we clearly prefer a digital robo-advisor. With the following three Swiss providers, you can put your portfolio into <strong>autopilot mode<\/strong> at low cost (based on passive ETFs or index funds).  <\/p>\n<\/div>\n<div style=\"height:40px\">\n\t\n\t\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/findependent_logo_weissaufgrun-1024x354-1.jpg\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>The robo-advisor <strong>findependent<\/strong> is only available via the app. It is particularly suitable for investors who value low fees and are happy to do without bells and whistles. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Savings plan from CHF 100<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Low entry barriers from as little as CHF 500<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Attractive fee model: free up to CHF 2,000 investment amount, thereafter staggered annual fees of 0.29% &#8211; 0.40%; no fees on cash holdings<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Very high degree of self-determination in portfolio construction<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Investing for children or for different investment goals possible<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Sustainability and asset classes &#8220;equities&#8221;, &#8220;bonds&#8221;, &#8220;real estate&#8221; and &#8220;precious metals&#8221; (gold) to choose from<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>FINMA-regulated with a license as an account-holding securities firm and deposit protection of CHF 100,000<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>findependent promotion code<\/strong>: <span style=\"color: #37c392;\"><strong> SFB20<\/strong><\/span><\/p>\n<p><strong>\ud83c\udf81<\/strong>20 CHF starting bonus for free<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/findependent.ch\/en\/app-download\/\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/robo-advisor-switzerland-3-provider-comparison\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/dashed-separator-component\/dashed-separator-component.css?v=2\">\n\n<div class=\"container custom-post-container dashed-separator-component\">\n\t<div class=\"separator\">\n\t\t\n\t<\/div>\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/selma-01-1.jpg\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>The <strong>Selma<\/strong> robo-advisor is particularly suitable for investors who do not want to worry about the details at product level, appreciate the \u201csustainability\u201d option and\/or want to benefit from free AI-supported financial advice.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Savings plan from CHF 100<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Sustainable alignment of the portfolio according to ESG principles possible at the touch of a button<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Graduated annual fees: 0.47% &#8211; 0.68% (The tariff levels also take into account any sums invested in the integrated 3a pension).<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Many asset classes: &#8220;equities&#8221;, &#8220;bonds&#8221;, &#8220;real estate&#8221;, &#8220;precious metals&#8221; and &#8220;private equity&#8221;<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>AI-supported financial advice possible (free of charge and optional)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Integrated pension solution 3a possible<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Swiss banking license and deposit protection of CHF 100,000<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Free demo version<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>Selma promotional code: <span style=\"color: #37c392;\">sfbselma<\/span><\/strong><\/p>\n<p>\ud83c\udf8134 CHF starting bonus as a gift<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No transparency regarding the underlying investment products<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.selma.com\/en-ch\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/robo-advisor-switzerland-3-provider-comparison\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/dashed-separator-component\/dashed-separator-component.css?v=2\">\n\n<div class=\"container custom-post-container dashed-separator-component\">\n\t<div class=\"separator\">\n\t\t\n\t<\/div>\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/04\/VIAC_Logo.png\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>The Swiss fintech <strong>VIAC<\/strong> has been shaking up the pension market since 2017 with innovative solutions and attractive additional benefits &#8211; without paperwork, purely digital.<br \/>\nSince December 2024, it has also offered VIAC Invest, an attractive savings plan solution for free savings. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Low fees: total costs between 0.00% and 0.44% depending on the investment strategy<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Attractive investments: broad selection of investment strategies with different equity ratios from 0 to 99% based on an investment universe of 70 index-based securities<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>High transparency: information on performance, costs and individual transactions available at any time<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Intuitive platform: state of the art user-friendliness for both the smartphone app and the desktop version<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>1A support: competent service within a few minutes<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>Special offer for new VIAC customers:  <\/strong><\/p>\n<p><strong>\ud83c\udf81<\/strong>Lifelong fee waiver on the first CHF 1,000 of assets. Procedure in three steps: <\/p>\n<ol>\n<li>Mail with the reference \u201cVIAC 3a Bonus\u201d, \u201cVIAC Vested Benefits Bonus\u201d or \u201cVIAC Invest Bonus\u201d to mail@schweizerfinanzblog.ch<\/li>\n<li>Invitation from us with individual bonus code by e-mail to you<\/li>\n<li>Account opening with you entering the bonus code<\/li>\n<\/ol>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>VIAC Invest lacks several years of experience and a benchmark for the funds launched at the end of 2024<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/viac.ch\/en\/\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/viac-experience-exclusive-and-independent\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div style=\"height:70px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-content-component\/unsere-empfehlungen-content-component.css\">\n\n<div id=\"neobanks\" class=\"container custom-post-container unsere-empfehlungen-content\">\n\t\n\t<h2>Neobanks<\/h2>\n<p>Neobanks are also on the rise in Switzerland. Their most important feature: a <strong>smartphone app<\/strong> that can be used to process all essential banking transactions digitally. This <strong>saves costs<\/strong>, which is reflected in significantly lower fees than with traditional banks. Neobanks such as neon or Yuh have no recurring costs for accounts, cards and custody accounts. This makes them ideal for combining with your existing house bank and\/or online broker. <span style=\"color: #37c392;\"><a style=\"color: #37c392;\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-recommendations\/#online%20broker\">online broker<\/a><\/span> broker you trust.    <\/p>\n<\/div>\n<div style=\"height:40px\">\n\t\n\t\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/10\/neon_Logomark_APP_RGB-e1698066375707.png\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>With around 240,000 customers, <strong>neon<\/strong> is one of the most important neon banks in Switzerland. No wonder, because its range of services tailored to different needs is really something special! No fewer than four different plans are available to you, each with the option of a partner account. neon is particularly attractive when it comes to foreign payments by card. But neon&#8217;s savings plan trading platform also scores with low fees and some top ETFs.    <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Intuitive app for paying, saving and investing<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Ideal for traveling and online shopping abroad: only 0.35% exchange rate surcharge when paying by card (applies to the basic offer without account management fees neon free; the exchange rate surcharges do not apply to the other three plans with account management fees)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Invest in top ETFs at low fees for trades up to CHF 1,000 (flat rate of 0.50%; also suitable for very small amounts as there is no minimum fee)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Automatic investing via savings plan possible (including with commission-free ETFs, but no fractional trading)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Inexpensive pillar 3a solution fully integrated into the app with total costs of 0.39% &#8211; 0.45% p.a.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Invest exclusively in home currency CHF, i.e. no manual currency exchange necessary<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Deposit protection of CHF 100,000<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>neon promotional code: <span style=\"color: #37c392;\">neonSFB<\/span><\/strong><\/p>\n<p><strong>\ud83c\udf81Trading fees<\/strong>worth CHF 100 as a gift (on the first three trades for two months from account opening)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Too expensive for larger investment sums due to linear price structure (exception: commission-free ETFs)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No multi-currency accounts<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>No fractional trading<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.neon-free.ch\/en\/konto\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/neon-experiences-comprehensive-and-critical\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/dashed-separator-component\/dashed-separator-component.css?v=2\">\n\n<div class=\"container custom-post-container dashed-separator-component\">\n\t<div class=\"separator\">\n\t\t\n\t<\/div>\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/10\/yuh_logo_2-e1698068795407.png\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>Founded in 2021, <strong>Yuh<\/strong> is already the rising star of the Swiss neobank scene with over 300,000 customers. And rightly so. Because Yuh is super convenient and scores with an attractive overall package: multi-currency account, easy trading in autopilot mode and much more. Yuh has been a 100% subsidiary of Swissquote since July 2025.   <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Intuitive app for paying, saving, saving for the future and investing in a modern look and with a high level of convenience<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Attractive conditions for payments and savings with numerous free services<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Practical, fee-saving multi-currency account for 13 currencies<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Invest in an attractive range of ETFs with around 80 products at fair commission fees for small tranches of around CHF 1,000 (flat rate of 0.50 %, min. CHF 1)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Convenient investing with savings plan and in autopilot mode possible, now also with &#8220;free ETFs&#8221;, i.e. without Yuh transaction fee of 0.50%<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Fractional trading (fractions of shares, share ETFs) possible for all investment products<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Deposit protection of CHF 100,000<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>Yuh promotional code: <span style=\"color: #37c392;\">YUHSFB<\/span><\/strong><\/p>\n<p><strong>\ud83c\udf81 <\/strong>50 CHF trading fees + 250 Swissqoins for free<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Too expensive for larger investment sums due to linear price structure (exception: commission-free ETFs)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Relatively high currency exchange fees of 0.95%<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.yuh.com\/en\/\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/yuh-experience-critical-and-independent\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div style=\"height:60px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-content-component\/unsere-empfehlungen-content-component.css\">\n\n<div id=\"splints\" class=\"container custom-post-container unsere-empfehlungen-content\">\n\t\n\t<h2>Alternative Investments<\/h2>\n<p>Alternative investments can make sense as <strong>an addition to equities<\/strong>, as they stabilize the traditional (equity) portfolio or make it less dependent on the performance of the stock market. In addition to real estate, commodities and crypto investments, these alternative investments also include <strong>collectibles<\/strong>. <\/p>\n<p>Alternative investments play a particularly important role in a so-called<strong data-start=\"568\" data-end=\"631\"> core-satellite strategy<\/strong>: while the &#8220;core&#8221; of the portfolio usually consists of broadly diversified, low-cost index funds or ETFs, the &#8220;satellites&#8221; &#8211; i.e. the alternative investments &#8211; provide targeted <strong>return opportunities<\/strong> or additional <strong>diversification<\/strong>.<\/p>\n<\/div>\n<div style=\"height:40px\">\n\t\n\t\n<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-company-component\/unsere-empfehlungen-company-component.css?v=2\">\n\n<div class=\"container custom-post-container unsere-empfehlungen-company-component\">\n\t<div>\n\t\t<div class=\"row\">\n\t\t\t<div class=\"col-12 col-lg-5 align-self-center text-center text-lg-start\">\n\t\t\t\t<img decoding=\"async\" class=\"mw-100 mb-4 mb-lg-0\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/05\/Splint-Logo-2.jpg\">\n\t\t\t<\/div>\n\t\t\t<div class=\"col-12 col-lg-7\">\n\t\t\t\t<div class=\"review-points\">\n\t\t\t\t\t<div class=\"review-points-text\">\n\t\t\t\t\t\t<p>Worried about inflation or stock market turbulence? The up-and-coming Swiss platform<strong> Splint Invest<\/strong> offers you the opportunity to add the alternative asset class &#8220;collectibles&#8221; to your portfolio conveniently via an app. <\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"review-points-advantages\">\n\t\t\t\t\t\t<div class=\"advantages-disadvantages-list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Invest from as little as \u20ac50 (= value of 1 splint) in physical assets such as watches, art, wine or handbags, in a choice of three reference currencies: CHF, EUR or GBP<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Expected and realized returns often in double digits.<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Different investment horizons from 2 to 10 years, depending on the collector&#8217;s item<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Protection of investments in the event of a default by Splint Invest<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Only transaction-related fees or no ongoing costs<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/advantages.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p><strong>Splint Invest promotion code: <span style=\"color: #37c392;\">SFB60<\/span><\/strong><\/p>\n<p><strong>\ud83c\udf81Without<\/strong>own financial risk: 60.- starting bonus for your first Splint in a collector&#8217;s item of your choice (CHF, EUR or GBP)<\/p>\n<p>Or &#8211; limited special offer in March 2026:<\/p>\n<p>\ud83c\udf81 100.- bonus with 400.- investment with the code <strong><span style=\"color: #37c392;\">SFBAPRIL <\/span><\/strong>(not cumulative)<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"disadvantage d-flex\">Question of trust: A long-term track record is still lacking, despite numerous realized sales<\/div>\n<div class=\"disadvantage d-flex\"><\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<p>Higher transaction fees or more cost-intensive than traditional (passive) investments such as equity ETFs<\/p>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"review-points-advantage d-flex\">\n\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/advantages-and-disadvantages\/assets\/disadvantage.svg\">\n\t\t\t\t\t\t\t\t\t<div>\n\t\t\t\t\t\t\t\t\t\t<div id=\"cDoHXbB\" class=\"advantages-and-disadvantages grey-advantages\">\n<div class=\"\">\n<div class=\"row\">\n<div class=\"col-12\">\n<div class=\"disadvantages\">\n<div class=\"disadvantage d-flex\">No car investment<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"d-flex flex-column flex-lg-row \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/splintinvest.com\/en\/\" target=\"_blank\" class=\"text-center review-points-call-to-action me-lg-3 mb-3 mb-lg-0\" rel=\"noopener\">Go to Provider<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/schweizerfinanzblog.ch\/en\/splint-invest-experience-investing-from-50-eur\/\" target=\"_blank\" class=\"text-center review-points-call-to-action\">Go to Review<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<div style=\"height:60px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-content-component\/unsere-empfehlungen-content-component.css\">\n\n<div id=\"etfs\" class=\"container custom-post-container unsere-empfehlungen-content\">\n\t\n\t<h2>ETFs<\/h2>\n<p>Passive exchange-traded funds, better known by the abbreviation ETF, are our favorite investment vehicle: <strong>cost-effective, broadly diversified and liquid.<\/strong> With more than 1,800 ETFs traded on the SIX Swiss Exchange alone, the range of products on offer is huge and it is difficult to keep track of them all. We have made a selection for you based on rational criteria that neither favors nor excludes certain providers. In the articles linked below, you will find exciting insights into the diverse world of ETFs and hopefully your dream ETF:  <\/p>\n<ul>\n<li><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/best-etfs-switzerland-and-global\/\" target=\"_blank\" rel=\"noopener\">Market-neutral ETFs<\/a><\/li>\n<li><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/green-stocks-40-etfs-compared\/\" target=\"_blank\" rel=\"noopener\">Sustainable ETFs<\/a><\/li>\n<li><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/worthwhile-factor-investing\/\" target=\"_blank\" rel=\"noopener\">Factor ETFs<\/a><\/li>\n<li><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/real-estate-etfs-the-easiest-way-to-invest-in-concrete-gold\/\" target=\"_blank\" rel=\"noopener\">Real estate ETFs<\/a><\/li>\n<li><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/leveraged-etfs-dream-returns-of-over-100-or-speculative-bet-with-total-risk-of-loss\/\" target=\"_blank\" rel=\"noopener\">Leveraged ETFs<\/a><\/li>\n<li><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/obligations-simply-explained-all-facts\/\" target=\"_blank\" rel=\"noopener\">Bond ETFs<\/a><\/li>\n<\/ul>\n<\/div>\n<div style=\"height:60px\">\n\t\n\t\n<\/div>\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/unsere-empfehlungen-content-component\/unsere-empfehlungen-content-component.css\">\n\n<div id=\"\" class=\"container custom-post-container unsere-empfehlungen-content\">\n\t\n\t<h2>Disclaimer<\/h2>\n<p><strong>Disclaimer<\/strong>: Investing involves risks of loss. You must decide for yourself whether you want to bear these risks or not. <\/p>\n<p><strong>Errors excepted<\/strong>: We have written this page to the best of our knowledge and belief and update it on an ongoing basis. Our aim is to provide you as a private investor with objective and meaningful information on all aspects of finance. However, if we have made mistakes, forgotten important aspects and\/or are no longer up to date, we would be grateful if you could let us know.  <\/p>\n<p><strong>Cooperation<\/strong>: The provider links are so-called affiliate links. With most providers, you benefit from a commission as a new customer.  At the same time you support our blog. Many thanks for your support!<\/p>\n<p>&nbsp;<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-12349","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/pages\/12349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/comments?post=12349"}],"version-history":[{"count":71,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/pages\/12349\/revisions"}],"predecessor-version":[{"id":16537,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/pages\/12349\/revisions\/16537"}],"wp:attachment":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media?parent=12349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}