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Quick tips you can use straight away to make smart money decisions.
Global forces
Increasing prices
International trade and tariffs
Interconnected world
Inflation, supply and demand
Demand and price changes
Supply and availability
Inflation and impact
The algorithm check
Dynamic pricing
Digital gatekeepers
Take back control
Busting money myths
I'm just bad with money
Only rich people can invest
More money will solve all my problems
Budgeting methods
50-30-20 rule
Zero based budgeting
Pay yourself first
Spend on what matters
Optimal investment mix
FOMO
Saving horizon
Sweet spot
All in?
Revealing conversations lead to better decisions.
Build your confidence around important money issues by following these insightful discussions between junior talents and senior experts.
Why curiosity is the best investment you can make
UBS Group CEO Sergio P. Ermotti explains why he champions YUMO. Inspired by Schweizerische Volksbank's guide, Geld und Wirtschaft, when he was young, he aims to continue its legacy by inspiring curiosity and helping more people understand money, shape their future and contribute to society.
Young investors’ pitfalls and behavioral traps
Don’t let mindset mistakes mess with your money. Spot emotional decisions so you can stay on track to your financial freedom. Plus: find out where to get the right support when you need it.
Debt can work for you or against you
Used carefully, borrowing can help build the life you want—used carelessly, it can hold you back. Learn about the fine line and how to stay in control.
Boost your earning power — start smart with education
Want to earn more? The right education path can make all the difference. In this video, you’ll discover how higher education can increase your income potential and how apprenticeships and vocational training offer a practical, affordable start to working life.
You are capital: invest in your future
Capital is much more than money. It’s all the human qualities that help you achieve more and create value in the future. This can be knowledge, skills, experience, and relationships. Discover new opportunities and shape your future.
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Budgeting: killjoy or toolbox?
Fill in the budget template and gain clarity about your personal finances to plan your future
Budgeting isn’t about penny pinching or killing fun. It’s about realizing who you really are, knowing what you’ve really got, making it work for your goals and building a life that feels like you. Whether your income is steady or sporadic, pick the budgeting toolbox that fits you. Progress, not perfection, is what counts.
Budget breakdown: Baby and toddler years
If you’re raising a child, you’ll need to budget for everything from diapers to daycare and from sports clubs to smartphones. A lot depends on lifestyle and location. The tables show reasonable ranges but costs can go higher. Here’s a breakdown by age group with approximate ranges to account for location and lifestyle based on publicly available figures and estimates. Your numbers will certainly vary.
Budget breakdown: University student
As a student, you’ll have to budget for both tuition and living expenses. Accommodation will be your highest cost unless you continue to live with your parents. Here’s a breakdown with approximate ranges to account for location and lifestyle based on publicly available figures and estimates. Your numbers will certainly vary.
Become an expert
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.
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.
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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Disclaimer
Disclaimer
This publication is for personal information purposes only within Switzerland and is not to be understood as a recommendation, offer or solicitation of an offer for investment or other specific products and services. It is not intended to form investment, legal or tax advice and should not be used as the basis for financial decisions. Before making a decision, you should obtain professional advice.
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