I’m starting to invest — Monsieur Hard, Lausanne

In order

An emergency reserve. A few months of spending in an account you can access at any time.
Pillar 3a. Payments into this third pillar (private pension savings) are deductible from your income, up to an annual ceiling, if you have income subject to AVS (state pension, 1st pillar) contributions.
A first diversified investment. In general, a broad fund diversifies more than a few shares picked at random.
Regular payments. The same amount every month, without trying to guess the right moment.
A yearly review. We check that the allocation still matches your plans.

Common mistakes

Investing before having a reserve for the unexpected.
Putting money into whatever everyone is talking about, just when everyone is talking about it.
Ignoring fees, which weigh heavily on small regular amounts.

What I do for you

We look at your budget, your reserve and your third pillar, then the share you can invest for the long term. I propose a simple, written plan, with its risks and costs. You decide.

Frequently asked questions

How much do you need to start?

Small regular amounts are enough. What matters is regularity and time, not the starting amount.

Third pillar or stock market?

They don’t play the same role. Pillar 3a reduces your taxes but locks the money away until retirement, with some exceptions. A stock market investment remains available, at its current value, with no tax deduction; it is part of your taxable wealth, and its dividends are part of your taxable income.

What if the stock market falls?

It will fall, at one time or another. That is why only money you will not need for several years should go into shares.

In collaboration with Callenium GmbH, a non-tied insurance intermediary.

Framework: Investment advice: [TO BE COMPLETED — regulatory status to be provided]. Details: see Legal information.