Tips and tricks to make your daily financial life easier

Our daily lives, which are becoming increasingly digital, are constantly changing, and it is often the little helpers who make the difference. When it comes to finances, there are always new features and tools designed to make our lives easier. According to the IFJ, 770 new companies were founded in the field of finance and insurance in the first quarter of this year alone.

Through my work I meet many different people and ideas. Many strive to simplify our investments. Others solve practical challenges, for example B. how you can more easily keep track of your finances, compare insurance policies or do your taxes more easily. I have put together a selection of different financial assistants for you here, who are not concerned with cheap credit cards or investments, may not yet be familiar with large advertisements and Simplify your daily financial life or help you with specific questions.

Do you have different investments, providers and different apps and would you like to know what your entire portfolio looks like, what return you generate and what costs you incur? That’s possible with Yeekatee. The app lets you aggregate your investments in one place, giving you a 360-degree view of costs and total returns. Yeekatee sees itself as a social investment platform, where, in addition to the portfolio function, you can exchange ideas with like-minded people and find various news and information. Today you cannot trade via the app. Linking common banks and brokers goes smoothly, but when I tried it myself, I could not link pension apps. Use is free. Learn more at yeekatee.com

Who would prefer it? more traditional and has the time to enter their own data and want to compare with historical prices or other investments, you can use the open source tool Portfolio Performance. Details via portfolio-performance.info

Do you want to protect your loved ones with life insurance? With Safeside this can be done digitally and at transparent costs. The platform has evolved pure life insurance specialized. This means that your surviving relatives will receive a fixed benefit if you die within a certain time. This is useful if you have family members or people who are financially dependent on you and you want to offer them extra protection – e.g. B. because you live together, have children who are still in training, are a self-employed person or single parent or own a home.

A pure life insurance policy does not constitute capital; you only pay the insurance cover in the event of death. You can determine whether this makes sense for you with the online needs calculator. You take out the insurance digitally: you register your wishes and receive a quote, make a choice from the possible providers, submit your application and receive a decision within a short time. The insurance can be canceled at any time. In my own experiment, I received a cost estimate of approximately 78 to 111 francs per month, depending on the provider, for a damage amount of 230,000 francs, recommended according to the needs calculator for a term of twelve years. Details: safeside.life

When filing your tax return really find all the deductions, get professional help from experts and all the hassle done in 20 minutes? This is what Taxdone promises and combines expert knowledge and artificial intelligence in an online tool.

It works in the following steps: creating a profile, uploading documents electronically, checking by tax experts, tax returns are submitted electronically. According to the website, the service costs 210 francs for singles without children, and about 366 francs for a couple with two children, ten accounts and a house (own calculation). Details: taxdone.ch

Different contracts, multiple apps, no overview of the actual costs? Caveo solves this problem. This is possible in one app manage all your insurance and get advice on insurance and pension provisions and the price and services of your solutions.

Caveo works with a broker’s mandate. The service is free for users, Caveo makes money from insurers in the form of standard brokerage fees or commissions and the end customer may not incur any additional costs. You can view the committees transparently; Caveo consultants have a fixed salary to avoid conflicts of interest. Details on caveo.ch

Whether it is a precautionary directive, a living will, a general power of attorney or estate planning, we will soon be able to handle it all. Set up online, secure processes and arrange them easily. The new platform Gut Geregelt is in the starting blocks and will be available from December on gutgeregelt.ch (you don’t see much of it at the moment, I’m excited 😉).

Digital financial helpers – real help or more nonsense that is of no use to us? What financial instruments have you come across recently that you can recommend? I’m curious about your experiences! 🧰