Swiss start-up helps with investing: This is how you make the most of your money

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For many people, the days of having to laboriously collect our money at the till are long gone. Simply swipe your credit card, hold it against the payment terminal, and the purchase is completed. But what is no longer available is the savings bank, which was very popular, especially in childhood. Empty your wallet in the evening and gift yourself something nice at the end of the year, or put the money in the bank and invest in the future. But we don’t need to give up this ritual just because cash is increasingly disappearing.

Invest in investment funds professionally for change

You can still raise the money virtually. Swiss start-up Kaspar& has launched an application where you can earn money from your digital money. “Each card payment is automatically rounded up to the next franc and the change is sustainably invested in investment funds,” says Lukas Plachel, co-founder of Kaspar&. You can decide for yourself whether you want to multiply the amount from 2 to 10 or invest a fixed amount per transaction. The change doesn’t just disappear in an interest-free account; Investment is made according to a pre-selected investment strategy. Kaspar& was selected as one of the top three companies in terms of innovation culture in 2024 by the business magazine Balance.

The truth is: only a small proportion of Swiss independently invest in the stock market. Reasons? Too complicated, fear of loss and lack of technical knowledge. “Many people find this difficult to do, so we want to make it as easy as possible for our customers to invest in systems,” says Plachel. You don’t need to be a financial professional at Kaspar&.

The application offers the opportunity to open as many investment pots as you want. “This allows you to save for retirement, children’s education, or a larger purchase.” Kaspar& creates a professional, sustainable investment strategy for every goal and takes care of everything. “We first ask you a variety of questions to find out how you want to invest,” explains Plachel. Are you willing to take risks and hope for higher returns, or do you prefer to be cautious when investing? “At the same time, we want to pass on our expert knowledge to our customers. Our website also offers crash courses, webinars, and exciting articles on investing to further your education.

This is how much change you will get in a day

How many coins do you receive in a day? We do the math. The price of morning coffee at the buffet is 3.60 francs (rounded to 4). We buy sandwiches for lunch, from 5.20 we earn 6 francs. For lunch you can buy ghacket with croissants in the canteen for 11.50 francs, we multiply by 2 – this is 1 franc change. Have dinner with friends in the evening. The menu costs 51.20 francs, 80 kuruş, including drinks. Then we go to the cinema. Entrance, drinks and popcorn total 28.40 francs, leaving 60 cents. A total of 3.60 francs of coins were collected on this day.

This makes sense: According to Plachel, most customers spend 30 to 50 francs a month. “This is enough to accumulate assets of around 100,000 francs in stocks when you retire,” says the co-founder of the start-up Kaspar&. So it takes much less time than you think.

Save early

Because of the long-term effect of compound interest, early investment savings is perhaps the best financial tip you can give parents. Anyone who invests 50 francs a month for their own child, godfather or nephew from the age of one will earn a small fortune when he retires.

Source : Blick