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Invest with foresight and achieve your long-term goals
Close pension gaps, fulfil long-term goals and achieve financial independence? Targeted investing can make an important contribution.
Compared to men, women are less involved in financial decisions. They also invest their money less frequently. One reason is that they believe they are less knowledgeable about financial products and investing. And yet various studies show that women in fact often invest more successfully than men.
Time to take finances into your own hands.
Thanks to a budget plan, Antonia has her day-to-day finances under control. She puts money aside systematically and can reach the maximum amount of her pillar 3a with regular deposits. By the end of the month, she often has about CHF 50 left, which she transfers to her savings account.
Over a cup of coffee, Antonia’s aunt explains that the savings in the account are losing value due to low interest rates and inflation. “Investing is the new saving,” says Antonia’s aunt. “Could be,” thinks Antonia, ”but is it even worth it with just CHF 50 a month? Besides, investing is very complicated and can be risky, can’t it?”
The term inflation describes a general increase in prices, when not only individual products and services, but life in general becomes more expensive. It means I can buy less with the same amount, because my money is worth less than before. In the context of saving, this is particularly serious as savings that lie “dormant” in an account lose value continuously unless you take action.
The Dollar Index (DXY) is now trading around 0.9% lower month to date, despite the volatility in markets. In part, this is because if higher tariffs weaken the US economy, the Federal Reserve has much more room to ease monetary policy than its counterparts.
With US tariffs surging from 2.5% to 25%, global trade and investment flows face a historic restructuring. Through an Emerging Markets lens, how are these times affecting places around the world?
CIO believes 2 April will likely mark a before-and-after moment for the global trading and financial system, estimating that the effective US tariff rate has surged to approximately 25%, up from just 2.5% prior to the US election. This figure may climb even higher in the near term, particularly if currently exempted sectors like semiconductors and pharmaceuticals are affected, or if the administration escalates its response to retaliatory measures from trading partners.
President Trump announced one of the biggest changes in US economic policy in a generation, and we could enter a downside scenario if the White House does not take active steps to reduce tariffs.
Markets have been digesting the impact of President Trump’s changes in US economic policy, with equities falling sharply, bonds and gold rallying, and the US dollar depreciating against most major currencies. In this note we consider some ways to not only manage volatility, but also to take advantage of it.
It's never easy to go through a market sell-off. When we see our hard-earned dollars dwindling in value, it's natural to feel anxious about what this might mean for our families and our ability to achieve our goals.
Women who actively take care of their finances increase their chances of achieving financial security and are more optimistic about their future. Take your finances into your own hands.
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