{"id":9430,"date":"2018-10-29T08:52:03","date_gmt":"2018-10-29T07:52:03","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/investing-money-why-investing-is-better-than-saving\/"},"modified":"2026-04-16T17:08:32","modified_gmt":"2026-04-16T15:08:32","slug":"invest-instead-of-saving-money","status":"publish","type":"post","link":"https:\/\/schweizerfinanzblog.ch\/en\/invest-instead-of-saving-money\/","title":{"rendered":"Investing money instead of saving &#8211; what the figures really show"},"content":{"rendered":"\n<p><strong>What happens if you leave CHF 10,000 in a savings account for several decades &#8211; and what happens if you invest it broadly in equities? Saving feels safe. Investing money sounds risky. But if you know the figures, you might think otherwise. In this article, we compare the long-term performance of a savings account with the best-known global share index, the MSCI World &#8211; with real data, concrete examples and no jargon. You&#8217;ll see why the seemingly safe choice can be the more expensive one in the long run &#8211; and what role compound interest plays in this. Welcome to the first lesson of our financial guide!     <\/strong><\/p>\n\n<p class=\"has-text-align-center\"><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/invest-in-8-lessons\/\" target=\"_blank\" data-type=\"page\" data-id=\"776\" rel=\"noreferrer noopener\">Overview<\/a> | <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/investing-the-magical-triangle-of-investment\/\" target=\"_blank\" data-type=\"post\" data-id=\"259\" rel=\"noreferrer noopener\">Lesson 2  &gt;<\/a> <\/p>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-info-component\/post-info-component.css\">\n<div class=\"post-info-component\">\n\t\t<div class=\"von-and-comments\">\n\t\t\t\t\t<a target=\"_blank\" href=\"<!--[CDATA[https:\/\/schweizerfinanzblog.ch\/ueber-uns\/]]-->&#8220;>Stefan &amp; Toni<\/a>\n\t\t\t\t <span>| <a href=\"#comments\">4 Comments<\/a><\/span> \t\t\n\t<\/div>\n\t<div class=\"post-dates\">\n\t\tupdated on 27.3.2026\t<\/div>\n<\/div>\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=\"BJITcWH\" 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\tShort &amp; sweet\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"kurz-bunding-content\">\n\t\t<ul>\n<li class=\"whitespace-normal break-words pl-2\">Investing broadly in equities has historically paid off much more than saving &#8211; around 8% a year compared to 1.5% in a savings account, which barely beats inflation.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Compound interest makes the big difference: if you start early, you make your profits work for you.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">Shares fluctuate in the short term &#8211; if you have at least ten years, you can ride out these fluctuations.<\/li>\n<li class=\"whitespace-normal break-words pl-2\">It&#8217;s not worth waiting for the perfect moment. Those who invest regularly are better off in the long term. <\/li>\n<li class=\"whitespace-normal break-words pl-2\">This first lesson shows what has been possible historically &#8211; no guarantee for the future, but a strong motivation to engage with the topic of investing.<\/li>\n<\/ul>\n\t<\/div>\n\t\t\t\n\t<\/div>\n\n<style>\n\t#BJITcWH .kurz-bunding-content li::marker{\n\t\tcolor: #37c392;\n\t}\n\t#BJITcWH .kurz-bunding-call-to-action a{\n\t\tbackground-color: #1bab78;\n\t\tcolor: #FFFFFF;\n\t}\n\n<\/style>\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Investing_or_saving_money_The_long-term_comparison\">Investing or saving money? The long-term comparison <\/a><ul><li><a href=\"#10000_becomes_180000_francs\">10,000 becomes 180,000 francs<\/a><\/li><li><a href=\"#The_uncanny_power_of_the_compound_interest_effect\">The uncanny power of the compound interest effect<\/a><\/li><\/ul><\/li><li><a href=\"#In_the_long_term_we_are_all_dead\">In the long term, we are all dead<\/a><\/li><li><a href=\"#Investing_money_When_is_the_right_time\">Investing money: When is the right time?<\/a><\/li><li><a href=\"#Conclusion\">Conclusion<\/a><\/li><li><a href=\"#This_might_also_interest_you\">This might also interest you<\/a><\/li><li><a href=\"#Updates\">Updates<\/a><\/li><li><a href=\"#Disclaimer\">Disclaimer<\/a><\/li><\/ul><\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Investing_or_saving_money_The_long-term_comparison\">Investing or saving money? The long-term comparison <\/span><\/h2>\n\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Imagine two people. Both have saved 10,000 francs &#8211; and neither will need the money for decades to come. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Anna puts her money in a savings account. Safe, convenient, no surprises. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Beat decides differently: he invests in shares &#8211; specifically in a fund that contains the largest companies in all industrialized countries, the <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/de.wikipedia.org\/wiki\/MSCI_World\" target=\"_blank\" rel=\"noopener\">MSCI World<\/a>. He buys a small piece of Apple, Nestl\u00e9, Toyota and hundreds of other companies at the same time. <\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">In the end, Anna looks at her account: 10,000 has become around 17,000 francs. Not bad &#8211; if it weren&#8217;t for inflation, which has quietly eaten up most of it. <\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"10000_becomes_180000_francs\">10,000 becomes 180,000 francs<\/span><\/h3>\n\n<p>Beat, on the other hand, has over <strong>180,000 francs<\/strong> in his account over the same period &#8211; <strong>18 times<\/strong> his original investment, with an average annual return of <strong>8.4%<\/strong>.<\/p>\n\n<p>How is this possible? The answer lies in three factors &#8211; one of which is particularly underestimated: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Long investment horizon<\/strong> &#8211; time is the most important factor  <\/li>\n\n\n\n<li><strong>High returns<\/strong> &#8211; equities historically yield significantly more than savings accounts  <\/li>\n\n\n\n<li><strong>Compound interest<\/strong> &#8211; profits are continuously reinvested and in turn generate new profits<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><span id=\"The_uncanny_power_of_the_compound_interest_effect\">The uncanny power of the compound interest effect<\/span><\/h3>\n\n<p>The decisive factor is what happens to the profits. If the distributed dividends are spent every year, Beat ends up with around CHF 83,000. If, on the other hand, they are automatically reinvested, the money continues to work and in turn generates new profits. Profits on top of profits. Year after year. The result: over 180,000 francs.     <\/p>\n\n<p>The chart clearly shows the difference: in the case of the upper line, the dividends are reinvested &#8211; compound interest has a full effect. In the lower line, they are spent &#8211; compound interest only has a limited effect via price gains. The gap between the two grows with each year.  <\/p>\n\n<figure class=\"wp-block-image size-full alignnone\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/03\/SFB_Wertentwicklung_1989_2025_EN-scaled.png\" alt=\"MSCI vs. savings account\" class=\"wp-image-15984\"\/><figcaption class=\"wp-element-caption\">Long-term performance comparison 1989-2025: In each of the 37 years, the MSCI World outperformed the savings account &#8211; despite crises. Performance of a one-off investment of CHF 10,000. MSCI World with\/without reinvestment of dividends, in CHF, currency risk taken into account. Excluding taxes and transaction costs. Sources: MSCI Inc (MSCI World Total Return Index); SNB, interest rates on savings deposits; FSO, national consumer price index (CPI)     <\/figcaption><\/figure>\n\n<p>This effect is called compound interest. Albert Einstein is said to have once described it as the 8th wonder of the world &#8211; and the figures prove him right. <\/p>\n\n<figure class=\"wp-block-image alignnone\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/Albert_einstein_zinseszinseffekt.jpg\" alt=\"invest money\" style=\"aspect-ratio:1.4814866525187087;object-fit:cover\"\/><\/figure>\n\n<div style=\"height:50px\">\n\t\n\t\n<\/div>\n<h2 class=\"wp-block-heading\"><span id=\"In_the_long_term_we_are_all_dead\">In the long term, we are all dead<\/span><\/h2>\n\n<p>Now you might object: I don&#8217;t have that many decades. Fair enough. <\/p>\n\n<p>So let&#8217;s assume a shorter investment horizon &#8211; let&#8217;s say 10 years. In our view, this is the minimum for equity investments. This is because shares can fluctuate very strongly in the short term: In a single year (2008), the MSCI World lost over 40% of its value!  <\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Investing_money_When_is_the_right_time\">Investing money: When is the right time?<\/span><\/h2>\n\n<p>This brings us to the next tricky issue: the supposedly right time to enter the market.<\/p>\n\n<p>To do this, we let Anna and Beat invest their starting capital of CHF 10,000 in all possible 10-year periods since 1989 &#8211; and see what comes out of it.<\/p>\n\n<p>We also assume that both Anna and Beat leave the income in the form of interest or dividends in their investment. This means that both benefit from the compound interest effect.  <\/p>\n\n<figure class=\"wp-block-image size-full alignnone\"><img decoding=\"async\" width=\"2560\" height=\"1619\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/SFB_Renditen_10J_DE-scaled.png\" alt=\"\" class=\"wp-image-16000\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/SFB_Renditen_10J_DE-scaled.png 2560w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/SFB_Renditen_10J_DE-768x486.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/SFB_Renditen_10J_DE-1536x972.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/SFB_Renditen_10J_DE-2048x1296.png 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/><figcaption class=\"wp-element-caption\">Rolling 10-year periods 1989-2025: those who remained invested for 10 years always achieved a positive return &#8211; except in the dotcom period. Annualized return (% p.a.) per ten-year window, in CHF, currency risk taken into account. Negative inflation values due to SNB Swiss franc appreciation from 2015. Excluding taxes and transaction costs. Sources: MSCI Inc. (MSCI World Total Return Index); SNB, interest rates on savings deposits; FSO, national consumer price index (CPI)     <\/figcaption><\/figure>\n\n<p>In almost all 10-year periods, equity investments yield significantly higher returns than savings accounts &#8211; with just one exception.<\/p>\n\n<p>In Anna&#8217;s case, the period 1989-1998 shines with 3.28% per year. The worst period is 2013-2022: a measly 0.17% nominal. <\/p>\n\n<p>Beat achieved its best return in the period 1990-1999: a whopping 15.14% per year. The worst period was 1999-2008 &#8211; an annual loss of 1.23%. Twice as bad luck: Beat entered the market at the dotcom peak of all times, and the 2008 financial crisis wiped out his performance shortly before the sale.  <\/p>\n\n<p>The problem: we don&#8217;t know the right time to invest &#8211; and those who wait for it often wait too long. The solution is as simple as it is effective: invest money regularly instead of speculating on the perfect moment. If you invest monthly, you sometimes buy expensive, sometimes cheap &#8211; and thus smooth out the effects of large price fluctuations over time.  <\/p>\n\n<p>Particularly striking: from the period 2013-2022, savings accounts no longer offset inflation. Anyone who left their money there lost purchasing power in real terms despite nominal interest rates. <\/p>\n\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">For the sake of completeness, we have not taken currency risks, costs and taxes into account in our calculations.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The savings account is free and the annual fees for ETFs are now minimal &#8211; often less than 0.2% per year. We will discuss currency risks and taxes in later lessons. <\/p>\n\n<p class=\"has-text-align-center\"><span style=\"font-size: 14pt;\"><span style=\"color: #339966;\"><i><span style=\"color: #37c392;\"><span style=\"color: #37c392; font-size: 14pt;\"><em>&#8211; Partner offers &#8211;<\/em><\/span><\/span><\/i><\/span><\/span><\/p>\n\n<p class=\"has-text-align-center\"><em>Still looking for the right financial solution? <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-recommendations\/\" target=\"_blank\" data-type=\"page\" data-id=\"4783\" rel=\"noreferrer noopener\">Our recommendations<\/a> &#8211; with attractive starting bonuses.<\/em><\/p>\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-recommendations\/\" target=\"_blank\" rel=\" noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/02\/Our-Favourites_1-1.png\" alt=\"Recommendations EN\" class=\"wp-image-15756\"\/><\/a><\/figure>\n\n<p class=\"has-text-align-center\"><span style=\"font-size: 14pt;\"><span style=\"color: #339966;\"><i><span style=\"color: #37c392;\"><em>&#8211; &#8211; &#8211; &#8211; &#8211;<\/em><\/span><\/i><\/span><\/span><\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Conclusion\">Conclusion<\/span><\/h2>\n\n<p>The figures are clear: investing money &#8211; long-term and broadly diversified in shares &#8211; generates significantly higher returns than a savings account. Compound interest does its work silently and quietly &#8211; the longer, the more powerful. There is no such thing as the &#8220;right&#8221; time to invest &#8211; and if you wait, you lose valuable time.  <\/p>\n\n<p>This lesson has shown what was historically possible &#8211; not what is guaranteed. Whether and how you invest depends on your personal situation and your risk profile. This is what the next lessons are about.  <\/p>\n\n<p>In <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/investing-the-magical-triangle-of-investment\/\" target=\"_blank\" rel=\"noreferrer noopener\">lesson 2<\/a>, we take a closer look: What&#8217;s behind the relationship between risk and return &#8211; and why is there never one without the other?<\/p>\n\n<p>You can find an overview of all the lessons here: <a href=\"https:\/\/schweizerfinanzblog.ch\/investieren\/\" target=\"_blank\" rel=\"noopener\">Learning to invest &#8211; in eight lessons<\/a>.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"This_might_also_interest_you\">This might also interest you<\/span><\/h2>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-list-component\/post-list-component.css\">\n\n<div class=\"post-list-componenet pt-2 pb-4\">\n\t<div class=\"row\">\n\t\t\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/investing-the-magical-triangle-of-investment\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1280\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/11\/louvre.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Figure 3: Return, availability and security are the three competing objectives when investing money\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/11\/louvre.jpg 1920w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/11\/louvre-768x512.jpg 768w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">The magic triangle of investment &#8211; or the fine art of compromise<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/diversification\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1920\" height=\"1280\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/easter-eggs-2168521__340.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/easter-eggs-2168521__340.jpg 6000w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/10\/easter-eggs-2168521__340-768x512.jpg 768w\" sizes=\"(max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Diversification: The only &#8220;free lunch&#8221; when investing<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/in-etfs-investing\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1834\" height=\"1297\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/12\/etfs_optimized.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Figure 7: Index-based or passive ETFs are ideal for private investors for equity investments\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/12\/etfs_optimized.jpg 4961w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2018\/12\/etfs_optimized-768x543.jpg 768w\" sizes=\"(max-width: 1834px) 100vw, 1834px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Investing in ETFs: The revolution for your investment<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/buy-and-hold-5-strong-advantages\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1721\" height=\"1297\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Buy and Hold\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu.jpg 2400w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu-768x579.jpg 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu-1536x1158.jpg 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu-2048x1544.jpg 2048w\" sizes=\"(max-width: 1721px) 100vw, 1721px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Buy and Hold: 5 strong advantages<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Updates\">Updates<\/span><\/h2>\n\n<p>2026-03-27: Text and data updated.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Disclaimer\">Disclaimer<\/span><\/h2>\n\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\n<p><strong>Errors excepted:<\/strong> We have written this article about investing money to the best of our knowledge and belief. Our aim is to provide you as a private investor with the most objective and meaningful information possible on the subject of finance. However, should we have made any errors, forgotten important aspects and\/or no longer have up-to-date information, we would be grateful if you could let us know.  <\/p>\n","protected":false},"excerpt":{"rendered":"<p>What happens if you leave CHF 10,000 in a savings account for several decades &#8211; and what happens if you invest it broadly in equities? Saving feels safe. Investing money sounds risky. But if you know the figures, you might think otherwise. In this article, we compare the long-term performance of a savings account with [&hellip;]<\/p>","protected":false},"author":1,"featured_media":7811,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[176,182],"tags":[310,309,311,308,306,307,185],"class_list":["post-9430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-passive-investing","category-basics-en","tag-compound-interest-effect","tag-dividends","tag-entry-time","tag-etf","tag-msci-world-index","tag-savings-account","tag-yield"],"acf":[],"_links":{"self":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9430","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"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=9430"}],"version-history":[{"count":18,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9430\/revisions"}],"predecessor-version":[{"id":16803,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9430\/revisions\/16803"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media\/7811"}],"wp:attachment":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media?parent=9430"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/categories?post=9430"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/tags?post=9430"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}