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The rescue of CS and its transfer to UBS knows many losers. Directly and financially, it hit the owners of so-called AT1 bonds. The investors in these bonds suffered a total loss. These highly complex bonds have raised questions about their usefulness in today's financial landscape. Learn why investing in CoCo Bonds may not be the best choice for private investors.

"Investing means letting go of money in order to have significantly more of it later!" (Unknown)

The green marketing bubble in the financial industry is bursting. This opens up opportunities to return to the roots of sustainable investments.

When we buy our own home, very few people in Switzerland can cover the costs out of our own savings - we need a mortgage. Mortgage creditors grant up to 80% of the purchase price as a mortgage, 20% must be borne from your own funds. Two-thirds of the purchase price is considered a so-called first mortgage, for which there is no obligation of repayment. The difference between this first mortgage and the equity is called the second mortgage, which must be repaid within 15 years, or by retirement at the latest. There are two alternatives to repay this part of the mortgage:

"If you want to eat well, buy stocks; if you want to sleep well, buy bonds": This is one of the many bon mots of stock market veteran André Kostolany. Anyone who was counting on being able to sleep soundly with their bonds/bonds has woken up from a nightmare in 2022. Why?

Due to the high and stubborn inflation, the Swiss National Bank has raised the key interest rates in three steps from -0.75 to 1 percent. There is currently a high probability that it will raise key rates again in 2023. The forecasts of the various banks and financial institutions anticipate further increases of +0.5 to + 1 percent, which could take the key interest rate up to 2 percent. It should be noted that interest rates at the short end have risen more sharply than interest rates on fixed-rate mortgages and that the spread between SARON and fixed-rate mortgage rates has therefore narrowed. The question now arises again as to how to proceed when taking out a new mortgage or renewing one. What are the options?

The question of whether the children must support their parents financially arises, for example, when the parents enter a care home and it is foreseeable that their income will not be sufficient to cover the costs of the home. This leads to a depletion of assets. What happens when the assets are exhausted? Who has to pay for the costs and support the parents?

Once again, microfinance is a stable asset class in a turbulent stock market environment and a good addition to a portfolio. Microfinance also delivers real social impact in an increasingly arbitrary sustainability world.

In part four, our co-founder Lukas Stücklin explains what sustainability means beyond ESG.

[Translate to English:] Unser Kundenberater Marco Rohrbach erklärt im dritten Teil am Beispiel der Firma Apple das Ratingsystem ESG.

Convertible bonds as an alternative to unprofitable bonds? Convertible bonds are an interesting combination of bond and equity investment, the best of both worlds, so to speak. We think they are unjustly neglected by some investors. Read why we come to that conclusion:

Impact-Immobilien AG creates affordable living, working and living space for socially disadvantaged people in Switzerland. Four projects have just been completed. We present them in a short overview:

There is no honest man! not one, that can resist the attraction of gold! (Aristophanes) - is this saying true. Let's differentiate:

On 26 April 2021 the "Neue Zürcher Zeitung" published an article with the title: "Thousands of mortgage borrowers affected: Ruling with explosive force on Libor mortgages". The article deals with the question of whether Libor mortgage interest can be reclaimed from the bank since the introduction of negative interest rates. Reclaiming the interest may not be that easy. We tell you which requirements have to be met in Switzerland.

There is often a large gap between the pensions of men and women in Switzerland. This happens, for example, when mothers maternity leave take a break in their employment to take care of their families. This is more often the case in the generation that is now thinking about retirement.