Most people in Switzerland plan their retirement to age 85. It is the most expensive arithmetic mistake of their lives: anyone turning 65 today lives on average more than 20 more years, and one woman in three reaches 90. This is not just about the wealthy. It concerns everyone with a pension fund.
We run the numbers with you in two minutes. And we show you what your bank and your robo-advisor do not: the return your capital needs to last to 95, and how to get there.
The calculation everyone should do once. Preferably before the decision.
If you take your capital, you have to make it work yourself. If you take the pension, you give the capital away. Neither can be undone. And the interest that would make this decision easier does not exist in francs.
On a savings account, capital loses purchasing power every year. In Swiss franc bonds it earns half a percent. After 40 years of work, nobody should have to start counting again at 75. So we count beforehand, with you.
Outside Switzerland things look different: the ECB raised its policy rate in June 2026 for the first time in three years, government bonds pay again, and carefully selected corporate bonds in euros and dollars pay up to 8 percent.
Sources: SNB, June 2026 assessment; FSIO, key figures 2026; FSO, life tables; Genève Invest, Capital Market Outlook H2 2026. Conversion rates are indicative; your fund differs.
Eight inputs, two minutes. The result appears instantly, no sign-up. The return your capital needs to last to 95, and how to reach it, is in your personal Plan 95: report, leverage calculation and a conversation with an adviser in your language. Free of charge.
Your assumptions: Adjust assumptions
Capital sitting in an account or in the bank's standard products delivers the first line. The third line comes from a portfolio built for return that also has three protection mechanisms. What that looks like is right below this calculation. Here is the solution
Return without protection is speculation. Protection without return is the savings account. A Genève Invest portfolio combines both, not through products but through three rules we have applied to every single position since 2002.
We buy only companies with high returns on capital, pricing power and a business model competitors cannot easily copy. Such companies hold their value because they earn money even in bad years. That protects the value of your portfolio.
Following the value principle, we buy quality only when the price is below what the company is worth. That discount is your margin of safety: it protects the entry when the market falls, and it is why we buy in crises when others sell.
With a bond you know on the day you buy what interest you receive each year and when the capital comes back. Carefully selected corporate bonds in euros and dollars pay up to 8 percent. You can plan with that income: it arrives whether the stock market rises or falls, and the bond matures.
Two sliders, two calculations. The first shows what your capital becomes depending on where it sits. The second shows what a small extra return from value investing adds up to over time.
Simplified compound interest calculation, nominal, before costs and taxes, without fluctuations. Swiss equities 7.7 percent p.a. nominal 1926 to 2023 (Pictet, study Swiss equities and bonds). Coupons are not a portfolio return; foreign currencies carry exchange rate risk. Outperformance through value investing is a goal of Genève Invest, not a commitment; active management can also lag the market. Buffett figures: Berkshire Hathaway, 2024 shareholder letter. The past is not a reliable indicator of the future.
Clearly higher, predictable income than in an account or an index fund, in a portfolio whose positions you can see and understand at any time. This is exactly the calculation we run in Plan 95 for your numbers.
Request my Plan 95Bonds and equities are subject to price, credit and currency risk. Interest refers to the coupon at purchase, not the portfolio return. Outperformance is a goal, not a commitment.
If you are invested, you cannot afford not to know what Genève Invest expects for the coming months. 32 pages, three scenarios, clear positions: where we buy, where we sell, where we wait. And where we were right too early in the first half of the year.
The ECB raised rates for the first time in three years. We say what this means for your bonds and your franc hedge.
The semiconductor index lost 3.4 percent in a single day. We say which high-flyers we avoid and which quality names are cheap in the shadow of the rally.
France pays 5 percent for ten years. We say where the risk hides and where you get 6 to 8 percent with solid credit quality.
Rates, bonds, equities, currencies, commodities: three scenarios, clear positions and the places where we were right too early.
Request the outlookAssessment by Genève Invest Sàrl as of the editorial deadline, no commitment and no recommendation of individual securities. Advertising.
At the top of this page, two minutes. You then know how large your gap is and how long your capital lasts. On request you receive your calculation as a personal report.
30 minutes, in Geneva or by video. We calculate your situation in francs, once with hedged foreign currency, once without. Plus the tax calculation of capital versus pension.
You choose your custodian bank: Swissquote, Safra Sarasin, LLB or, from January 2027, V-Bank, at terms Genève Invest has negotiated for its clients. We build your portfolio from individual securities and manage it under a power of attorney.
The four strategies you see further down are groups in which we pool similar mandates. Your portfolio is none of them. It is built from individual securities and tailored to your needs: your gap, your horizon, your taxes, your currency.
We buy individual bonds and equities for you that we have analysed ourselves. No in-house funds, no certificates, no products that earn someone else a margin. You see every position in your portfolio.
Our ambition is a systematic outperformance of the relevant indices through focused value investing: stock picking and bond picking on value principles. Quality at a reasonable price, bought when others sell.
Whoever invests in index funds carries the full market risk and cannot beat the market. We manage risk actively: securing gains, adjusting positions, staying able to act in a crisis. That is the decisive difference.
Outperformance is a goal, not a promise. Active management can also fall behind the market in individual years. Past performance is not a reliable indicator of future results.
A retirement portfolio needs both: an engine that delivers money every month and one that grows the capital over 20 years. How you weight them is decided by your figures from the check.
Our core business for more than 20 years: bonds of solid companies we have known for years, with running interest of up to 8 percent in euros and dollars. No certificates, no structured products, individual securities in your portfolio.
Bonds are subject to interest rate, credit and currency risks. The rate shown is the running coupon, not the return of your portfolio.
Companies with high return on capital, growing revenue and pricing power, selected under the Genève Invest method and bought when the price is right. A core in francs, complemented by international quality companies that do not exist in Switzerland.
Equities fluctuate more than bonds. Tax treatment depends on your personal circumstances.
The interest rate advantage of the euro and the dollar over the franc is at the same time the price of hedging. If you hedge, you keep the interest minus this difference and have no exchange rate risk. If you do not hedge, you receive the full interest and carry the risk that the franc appreciates. Both are right, depending on the situation. We show you both calculations.
Example with a coupon of 6.5 percent in euros and an interest rate differential of around 2 percentage points (October 2026, source: SNB, ECB). Hedging is not done in your portfolio but via a fund solution; details and costs are discussed in the conversation.
Annualised performance 2023 to 2025, calculated in euros, net of costs, before taxes. Each group pools individually managed mandates with a similar orientation. The performance report was audited by BDO AG under ISAE 3000. For a franc portfolio, the result differs depending on the exchange rate.
Past performance is not a reliable indicator of future results. Higher returns come with higher fluctuations. All values are calculated in euros; the euro depreciated against the franc over the period, so a franc investor would have had a different result. Source: Genève Invest Sàrl, performance report as of 31.12.2025.
In a higher interest rate environment we see above all the lower price at which quality can currently be bought.Genève Invest, Capital Market Outlook H2 2026
Free, written for investors resident in Switzerland, in your inbox within minutes. The full library of 17 documents is on its own page.
Because you are invested and need to know whether rates keep rising, the AI rally turns and bond markets hold. Before the market shows you.
Rates, bonds, equities, currencies, commodities: three scenarios, clear positions and the places where we were right too early.
RequestBecause after 21 pages you can answer the question nobody dares to ask their pension fund: what if I live to 95?
The federal government's own AHV projections, capital or pension, sequence risk, the bucket strategy and the two engines of a retirement portfolio, calculated with 1 million francs. 2nd edition.
RequestBecause ten concrete bonds with figures say more than any theory, and because the interest rate window will not stay open forever.
Lock in interest while you still can. Ten profiles in euros, a model portfolio and a chapter on hedging into francs.
RequestAdvertisement. The documents name no individual securities as recommendations and do not replace personal advice.
All 17 documents in the libraryBanks park client money in their own funds. Robo-advisors buy index ETFs and let you carry the full market risk. And private investors have repeated the same seven mistakes for decades. Send us your portfolio statement and we show you what is costing you return and what you can do about it. Free, in your language, no obligation.
You send us your current portfolio statement (a PDF is enough). Within five working days you receive a written assessment of risk, costs, quality of positions and gaps, plus a conversation with an adviser in your language who goes through the points with you. What you do afterwards is your decision.
The review is an assessment based on the documents submitted and does not replace comprehensive advice. Advertising.
The seven mistakes we find most often
| Criterion | Bank | Robo-advisor | Genève Invest |
|---|---|---|---|
| What sits in the portfolio | In-house funds and products that often lag the market | The provider's index ETFs | Individual bonds and equities, chosen on the market and analysed by us |
| Goal | Placing products | Market return minus costs | Systematic outperformance of the relevant indices through value investing |
| Active management | Limited, following the house view | None; full market risk, no chance of excess return | Active management of risk and positions, stock and bond picking |
| Individuality | Standard profiles | Questionnaire, risk class | Tailored to your gap, your horizon, your taxes and your currency |
| Total costs | Several line items, retrocessions | ETF fees plus robo fee, often 1 to 2 percent in total, without added value | Small, transparent base fee plus a results-based performance fee with high-water mark; everything on the custody statement |
| Termination | Depending on contract | Any time | At the end of each quarter, no minimum term |
| Contact person | Changes regularly | Chat or hotline | One person in Geneva who manages your portfolio |
Simplified comparison of typical models, no statement about individual providers. Outperformance is a goal, not a promise.
Specialised since 2002 in high-income corporate bonds and value equities. You do not talk to a hotline but to the person who manages your portfolio, in your language, and who runs the numbers every week with people approaching retirement.
Helge Müller in a client meeting, Geneva.
The stock market is keeping your nerve where others lose theirs.Erhard Blanck, quoted in the Capital Market Outlook H2 2026
Since 2002 I have been running the numbers with people on whether a lump sum or a pension fits better. The answer is in the figures, not in the brochure.+41 22 716 43 55
I run Genève Invest and look after clients in French-speaking Switzerland myself. Whoever entrusts us with their money knows who decides.+41 22 716 43 55
An adviser in your language calls you back within one working day.
That depends on your conversion rate, your health, your tax situation and whether you want to pass capital on to the next generation. We do not advise in general terms; we calculate both options in francs. Often a mix is the best answer.
A small, transparent base fee as a percentage of assets under management plus a results-based performance fee, always on a high-water mark basis: we participate again only once your portfolio has exceeded its previous high. Everything is on your custody statement. The exact rates and a cost statement are provided before you sign.
A robo-advisor invests in index funds. You therefore carry the full market risk, outperformance is ruled out, and total costs from ETF fees and the robo fee often reach 1 to 2 percent. We build your portfolio from individual securities, manage risk actively and aim to beat the relevant indices.
Because there is hardly any interest in francs. Carefully selected euro and dollar bonds of solid companies pay up to 8 percent. You decide whether we hedge the currency into francs via a fund solution or whether you accept the foreign currency. We calculate both for you.
Because most of our investments are denominated in euros and the performance report is audited by BDO in euros. For a franc portfolio the result differs depending on the exchange rate, in both directions. In the conversation we show you the conversion for your period.
In an account and portfolio in your name at a custodian bank of your choice: Swissquote, Bank J. Safra Sarasin, Liechtensteinische Landesbank or, from January 2027, V-Bank. Genève Invest has negotiated terms with these banks that you would normally not receive as an individual client. We receive a management power of attorney for investment decisions, but no access to withdrawals.
Yes, at the end of each quarter, with no minimum term. Your portfolio remains; you decide what happens to it.
From investable assets of CHF 100,000. Below that we recommend the documents in our library.
Genève Invest Sàrl is licensed by FINMA as an asset manager. Ongoing supervision is carried out by the supervisory organisation OSFINcontrol AG.
No. Bonds and equities are subject to price, credit and currency risks. What we offer is transparency: you can see at any time what your portfolio is doing and what it costs.
A free package in three parts: your personal retirement report with both options, the leverage calculation showing the return your capital needs to last to 95, and a 30-minute conversation with an adviser in your language. It is for residents of Switzerland with investable assets of at least 100,000 francs, pension fund capital included.
Our assessment for the second half of 2026 on 32 pages: rates, bonds, equities, currencies and commodities, three scenarios rather than a single forecast, and clear positions on where we buy, sell or wait. It is an assessment, not a commitment, and recommends no individual securities.
You send us your current portfolio statement, we examine risk, costs, quality of positions and gaps, and show you in writing and in a conversation what is costing you return. Free, for portfolios from CHF 100,000 and residence in Switzerland. Whether you change anything afterwards is your decision.
Bring your pension certificate and your result from the check. You get two calculations in francs, the return your capital needs and an honest assessment of whether we can help you. No sales pitch, no obligation.
Asset management from CHF 100,000 of investable assets, residence in Switzerland. Everyone receives the documents and the report.
Genève Invest Sàrl is an independent, FINMA-licensed asset manager based in Geneva, founded in 2002. The company manages the assets of private individuals resident in Switzerland from CHF 100,000, individually and in individual securities, with a focus on retirement: carefully selected corporate bonds in euros and dollars paying up to 8 percent, optionally hedged into francs, and Swiss and international quality equities on value principles. The goal is a systematic outperformance of the relevant indices. Clients hold account and portfolio in their own name at Swissquote, Bank J. Safra Sarasin, Liechtensteinische Landesbank or, from 2027, V-Bank, at preferential terms; Genève Invest acts under a management power of attorney. Four strategy groups pool similar mandates; their performance is published, calculated in euros and audited by BDO. Remuneration consists of a small, transparent base fee and a results-based performance fee with high-water mark; mandates can be terminated at the end of each quarter. Supervision is carried out by OSFINcontrol AG.