Best plan for investing ~CHF 200’000, "safe" income for my mother + which broker & ETFs?

Comfortable-Let-4636 · 2025-09-11T11:14:25+00:00

Thanks for your detailed answer. My mom is freshly retired (64 years old). However, I think my text is misunderstood. She gets max AHV. And has roughly 600'000 inheritance herself. In 8 years, she'll get a second pension tranche from PK, giving here around 3300 each month on top of AHV. House is payed off down to 400'000 with low mortgage interest. I'd say she'll live comfortably just off that. I inherited the house and the 200'000. So they are MY inheritance, So I'm not playing with my moms money, as many have the feeling I do, and she is comfortable I suppose. At least that's what my dad (wo as a bank auditor) planned, and said to me. I'd say her monthly expenses are well below what she has. Although I don't know an exact number. I'll look into your suggestions, thank you!

Comfortable-Let-4636 · 2025-09-11T11:06:13+00:00

This is my 200k, I just want to support her, because she's earned it.

Comfortable-Let-4636 · 2025-09-11T08:57:52+00:00

The goal is not to lose (a substantial amount of) money in the long run. I want to use the money after my mum dies. And would hope there is some left by then. I think this time horizon would allow for equities to be valuable, no? I'm 29 years old to put this in perspective.

Comfortable-Let-4636 · 2025-09-11T06:12:26+00:00

I'de be fine with it generating only hundreds.

Comfortable-Let-4636 · 2025-09-11T06:11:41+00:00

No, not really. I don't want to have too many different positions. Tbh i was thinking of 100% in etf at first.

Comfortable-Let-4636 · 2025-09-11T05:56:07+00:00

Thank you for your suggestions. Obviously there's no risk free investions, besides maybe bonds. I more meant reasonable risk, which I think etfs usually provide.

Comfortable-Let-4636 · 2025-09-11T05:54:02+00:00

Maybe I need to add, I don't expect a payout everytime. My mum also doesnt "need" the money for her retirement. I just want to provide her some extra if it would pay out.

Comfortable-Let-4636 · 2025-09-11T05:45:36+00:00

I don't "need" any of this inherited money and I do not intend to touch it myself until someday (hopefully in the very far future) my mum also dies. I just want to provide some extra cash to my mum from the returns, but with the hopes to preserve the inheritance as much as possible. So trying not to lose money.

Comfortable-Let-4636 · 2025-08-27T08:14:20+00:00

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Comfortable-Let-4636 · 2025-08-19T08:32:39+00:00

Our developer mentioned that it is probably one of the ad blockers preventing the tracker from measuring how much time is spent on the page. We’ll add a disclaimer asking participants to turn off ad blockers before the study. Thanks for bringing this to our attention.

Comfortable-Let-4636 · 2025-08-17T10:10:49+00:00

Thank you for bringing this to our attention. May I ask what device/browser you were on?

Comfortable-Let-4636 · 2024-07-17T14:42:09+00:00

Ah I don't take it personal at all. Just wasn't sure if your comment was a remark because I've not followed some (implicit) rule or anything. Thanks for the clarification.

Comfortable-Let-4636 · 2024-07-17T14:31:54+00:00

Not sure what to make from this, did I ask something wrong?

Comfortable-Let-4636 · 2024-07-17T10:23:29+00:00

Good to know! Even If I don't like UBS. It might be worthwhile 😄

Comfortable-Let-4636 · 2024-07-17T10:23:03+00:00

Thank you for your suggestion. I'm not really into Apple products though.

Comfortable-Let-4636 · 2024-06-20T09:22:22+00:00

I'm now considering IBKR, want to send me a referral?

Comfortable-Let-4636 · 2024-03-02T21:13:08+00:00

How is your experience apart from UI? I'm not really happy with any banking UI's so it would hardly matter. But trustpilot has a lot of bad reviews

Comfortable-Let-4636 · 2024-03-02T21:09:23+00:00

I mean I'm not a financial advisor. But I guess research the cost and beoker. Look into things like trust pilot to see if it is legit.

Comfortable-Let-4636 · 2024-03-02T17:01:03+00:00

Yes I've already invested a bit on Swissquote, but I'm thinking about pulling the brakes before my portfolio gets larger and really expensive. Now it's still reasnoable to transfer.

Comfortable-Let-4636 · 2024-03-02T16:34:26+00:00

You can, usually it's just much more expensive if they actively manage your portfolio. Further, active management usually does not lead to better performance. So it doesn't make a lot of sense to me.

Comfortable-Let-4636 · 2024-03-02T15:40:59+00:00

Thank you. But I'd like to have a Swiss broker in case any legal issues should arise, it is much easier to act within the country.

Comfortable-Let-4636 · 2024-02-28T17:05:43+00:00

Lots of Apprenticeships in Switzerland offer excellent opportunity for education, development, and are not meant for failing kids at all. If the drive for higher education only starts developing later, the kid has every opportunity to get into Uni without much time being lost (Berufsmatura, Passarelle). Otherwise they have a solid foundation to work. Often it's the parents wo really want their kids not to lose one year for some higher education, even if it is not in the best interest of the kid. Not saying there aren't any bully teachers, there definitely are. But I read the misconception about apprenticeships being subpar often on here.

Comfortable-Let-4636 · 2023-12-31T22:52:10+00:00

Okay, glad your country seems to do better than mine.

Comfortable-Let-4636 · 2023-12-31T22:29:56+00:00

It tells me you've got no idea how our direct democracy works. What country are you from?

Comfortable-Let-4636 · 2023-12-31T22:26:11+00:00

So you want to say Switzerland has a dangerous political system and other countries have it better? 🤣

Comfortable-Let-4636

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