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Prosperity is a puzzle

True, but it’s easy to assemble. You can start investing now, while time is your greatest asset.

Ready to upgrade your money skills?

These real-life scenarios and practical tools will help put you in charge. Think of it as your personal training ground for smarter money decisions. 

Understanding how to invest smartly

Find your investment sweet spot. Investing isn’t a mystery. You just need the right mix!

Instructions

Decide what you would advise and which of the three basic rules applies:

  • Diversification
  • Time horizon
  • Risk

What this shows

Invest your money smartly and use your long term horizon to your advantage.

Personal reflection

  1. Do I need the money soon or later?
  2. Have I put everything in one basket?
  3. Wouldn‘t it be better to start today, rather than next year?

Understanding investing pitfalls and behavioral traps

Spot the trap. Learn to recognize emotional traps when investing.

Instructions

Pick the behavioral trap that best describes the situation. Consider which behavioral trap is present and decide why it's dangerous.

  • Emotional decision-making
  • FOMO (Fear of Missing Out)
  • Loss aversion

What this shows

Be aware that emotions, not numbers, often drive your financial decisions. When you understand which thinking errors you tend to make, you can make decisions more consciously, calmly and successfully.

Personal reflection

  1. Which of the three traps feels most familiar to you and why?
  2. How do you react when your investment drops?
  3. What role does social media play in your financial decisions?
  4. What helps you stick to your savings/investment plan?

Understanding the Rule of 72

There’s a math trick to figure out how long it takes for your money to double when it’s growing at a steady rate: the Rule of 72. All you do is take the number 72 and divide it by the rate of return. For example, if your investments grow by 8% each year, you divide 72 by 8, which equals 9. That means it’ll take about 9 years for your money to double. It’s not exact, but it’s a handy shortcut for planning your future.

Instructions

Compare rates of return of 0.5%, 5% and 8% (and how long it takes for your money to double). See how CHF 1,000 can grow over 20 years.

What this shows

The earlier you start investing, the more growth compounds.

See how CHF 1,000 can grow over 20 years.

Personal reflection

  1. What’s your current expected average annual rate of return? Is it closer to 0.5%, 5% or 8%?
  2. What does “Saving means freedom” mean to you personally?
  3. What small steps could you take today to shift from instant gratification toward long-term satisfaction?
  4. Picture yourself in 10 years’ time. What’s the best financial gift you could give your future self today?

Investing for beginners

Create the freedom to breathe easier, dream bigger and shape the life you want with a few simple saving and investing habits that build confidence, expand your options and help secure your future. Discover why time really is money.

Ready to feel money-smart?

Start the quiz and discover the basics that build confidence for life.

Start investing quiz

Become an expert

Find downloadable articles, quizzes and checklists that take you deeper into money, jobs, education, investing, economics and planning for your future.

  • Investing for beginners

    Create the freedom to breathe easier, dream bigger and shape the life you want with a few simple saving and investing habits that build confidence, expand your options and help secure your future. Discover why time really is money.

  • Economics in everyday life

    The economy is like gravity: a force of nature. Learn about prices, inflation and the cycle of boom and bust. See why governments struggle to control the economy and how cryptocurrencies aim to reshape it. 

  • Solve your money mystery

    Money may be a mystery to many. But you can solve it. Discover how beliefs, emotions and values shape money decisions. Learn to spot patterns, identify your values and define what “enough” means for you. Unpack those paradoxes and use budgets to achieve goals and avoid spending pitfalls.

  • Smart borrowing

    Borrowing can empower growth when used wisely but missteps create costly traps. Understand value, affordability and risks, so that you use credit responsibly and avoid pitfalls.

  • Life stages and big decisions

    Navigate life stages with confidence. Learn how to make smart housing choices, support family, handle life’s big transitions and make early preparations that are sure to pay off with a comfortable retirement.

  • Money and banking

    Discover how banks actually work, how they serve society, make money, support our shared prosperity, and how they are evolving from crypto to blockchain, neobanks to regulation.

  • Taking on the triple whammy

    AI, geopolitics and climate change are transforming how our world works. You don’t need to predict exactly what comes next to be prepared. This section helps you connect the big global shifts to choices today.

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YUMO in one place

Quick to find, easy to binge. Choose whether you want to read, watch, play or apply the skills.

Here for you

Do you have questions about saving, investing, or retirement planning? We’ll call you back to discuss the options that best match your personal situation. 
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Disclaimer

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