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Finance & investments – invest smartly

Vom Sparen zum Investieren – so gehen Sie strukturiert vor:

Traditional saving alone is often no longer enough to achieve long-term financial goals. To build and preserve wealth sustainably, you need a smart investment strategy and a solid understanding of different asset classes and risks.

Investing means making your money work for you. Doing so not only serves as protection against the loss of purchasing power, but also enables targeted wealth accumulation. The available options range from bonds and equities to real estate and commodities. Each of these asset classes offers its own advantages and disadvantages.

From saving to investing – here’s how to proceed in a structured way:

Finance & investments – invest smartly - desktop

Define budget and objectives

  • Be clear about and regularly review income and expenses
  • Establish clear financial goals and define a timeframe for achieving them

Perform holistic wealth analysis and risk profile

  • Analysis of your current assets and liabilities
  • Definition of your personal risk appetite and return expectations

Develop and implement investment strategy

  • Development of your own investment strategy based on your risk profile
  • Implementation with a diversified investment portfolio

Diversify portfolio and manage risks

  • Deliberate diversification of investments across various asset classes
  • Monitoring and regular adjustment of your strategy

Understand and optimize fees

  • Transparency on management, transaction, and performance fees
  • Active comparison and assessment of cost structure
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smzh ag for you

smzh ag guides you personally and independently in planning your investments:

  • Personal advice: Individually tailored investment strategies based on your goals and risk profile
  • Holistic approach: Integration of your investments in your personal holistic wealth analysis
  • Portfolio optimization: Ongoing analysis and adjustment in line with the latest smzh House View
  • Transparency and control: Clear overview of costs, returns, and risks thanks to regular checks
Investieren ist das neue Sparen - desktop

Investing is the new saving

Learn why traditional saving no longer makes sense and why you should invest your money.

(in German)

Investieren – Wie fange ich an? - desktop

Investing – How do I start?

Learn more about the first steps of investing, a means to achieving greater financial freedom in the long run. Investing can be started with small amounts, for instance CHF 50 a month.

(in German)

Latest investment updates

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Investment Guide – April 2025

Geopolitical shifts are opening up new investment opportunities in Europe. In the April 2025 edition of the smzh Investment Guide, we show you where exactly these opportunities are.

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Investment Guide – März 2025

A diversified portfolio remains essential to master a volatile market environment. Read up on our latest analyses in our Investment Guide.

Don't miss our monthly Investment Guide – subscribe now and recognize opportunities early.

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We handle questions such as those shown on the right on a daily basis. We look forward to supporting your with your investment strategy.

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Due to low interest rates and inflation, savings lose value in the long run. Investing makes it possible to preserve wealth or indeed accumulate wealth.

This depends on your risk tolerance, your objectives, and your financial situation. An assessment of your circumstances helps you find the approach that is right for you.

It's very important. By diversifying investments across asset classes, you reduce the overall risk of your portfolio.

A clear strategy helps strip out emotions such as fear or euphoria. Regular stocktaking further supports rational decisions.