The main points in a nutshell
The main points in a nutshell
- Start with small amounts
- Find out what type of investor you are
- When you invest, you systematically build up capital and protect it against a loss in value
- Start today, be patient and diversify your investments
Have you set aside a little money – some 50 or 500 francs – and are now considering investing? The world of finance can be overwhelming at first glance. Here are some basic tips for all those unsure about how to start.
Inflation is a huge topic again: you pay more for food, going out and a haircut today than the same time last year. Though you may see the same amount in your savings account, the money itself is losing value. And the interest you can earn on your account can’t make up for the higher costs.
Investing is a good option if you don’t want the money you save to lose value or hope to increase it. You can be successful by investing small amounts over a longer period of time.
Tip 1: the plan
Tip 1: the plan
If you want to invest, you need a strategy tailored to you, so you should find out what type of investor you are.
UBS key4 smart investing helps you to quickly and easily determine your investment profile. You can then weigh up opportunities and risks correctly, invest in the way that makes you tick and set up your own suitable profile.
The most important questions:
- For how long do you plan to invest?
- What fluctuations are you willing to endure?
- How much money do you have at your disposal?
Tip 2: the perfect time is now
Tip 2: the perfect time is now
As with so many things in life: there is no such thing as the perfect time. It’s best to start straight away and ideally always to invest the same amount, to reduce the worry you may be paying too high a price.
If you buy exactly CHF 50 worth of fund shares each month, you’ll buy more shares when prices are low and fewer shares when prices are high.
The resulting average price effect compensates for fluctuations in price. Learn more about this effect and the benefits of investing consistently here.
Tip 3: diversify and reap the rewards
Tip 3: diversify and reap the rewards
In a fund, your money is invested in a variety of asset classes. This diversification will help keep you successful in the long term and softens the effect of fluctuations. If you bet everything on one card, you stand to win a lot, but could also lose a lot. By contrast, by diversifying your investments as much as possible, you’re more likely to benefit from economic growth.
Tip 4: Where do you see yourself in five years?
Tip 4: Where do you see yourself in five years?
Long-term forecasts are hard, but it pays to invest for the long term. Because time also minimizes the effect of fluctuations. The longer you invest, the greater the chance that your money will grow and short-term setbacks will even out over time. A December 2022 analysis by the UBS Chief Investment Office shows over a 10-year period, 94 percent of all investments increased in value, rising to 100 percent over 20 years. A good reason to start right away.
UBS key4 smart investing: 50% off
UBS key4 smart investing: 50% off
With UBS key4 smart investing, you can start investing with as little as CHF 50. With a standing order you pay regularly into funds and choose a time period to let your savings grow. If you start online today, you even get a 50% discount on the flat rate if you are under 26 years old.
Arrange a personal consultation online
Arrange a personal consultation online
Which investment solution is right for you? How much should you invest? We’ll answer your questions in a video chat or in-branch and guide you through your first steps.
