{"id":6684,"date":"2022-05-20T14:25:56","date_gmt":"2022-05-20T12:25:56","guid":{"rendered":"https:\/\/pointcapital.ch\/investing-money-correctly-with-inflation\/"},"modified":"2025-11-24T17:09:00","modified_gmt":"2025-11-24T16:09:00","slug":"investing-money-correctly-with-inflation","status":"publish","type":"post","link":"https:\/\/pointcapital.ch\/en\/investing-money-correctly-with-inflation\/","title":{"rendered":"Investing money correctly with inflation"},"content":{"rendered":"[vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none'][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][vc_column_text el_class='b-subheading']Wondering how to invest your money when prices are rising? A year ago, market observers were predicting a gradual loss of purchasing power at best. Today we are experiencing galloping inflation rates. Everything is becoming more expensive \u2013 fuel, heating, shopping. Energy prices in particular have risen rapidly. And what does this look like for investors in Germany and Switzerland? <\/p>\n

Most recently, the inflation rate in Germany was more than 7%. With its strong franc, however, Switzerland has so far managed to keep inflation at a comparatively low 2.4%. However, the forecasts of the State Secretariat for Economic Affairs (SECO) assume that inflation will continue to rise in 2022 and 2023.[\/vc_column_text][image_with_animation image_url='2244\u2033 image_size='full' max_width='100%' max_width_mobile='default' animation_type='entrance' animation='Fade In' animation_easing='default' animation_movement_type='transform_y' hover_animation='none' alignment='' border_radius='none' box_shadow='none' image_loading='default'][vc_column_text]\n

How inflation arises<\/h2>\n

If the demand for goods is higher than the overall economic supply, prices will rise. At some point, wages and salaries also have to be raised to prevent social unrest. But if you have more money<\/a> in your pocket, you want to buy more, so demand rises even further \u2013 and prices climb with it. An inflationary spiral is set in motion. And with interest rates still very low. You get next to nothing for your money at the bank, you have to pay even more. In addition, the Fed in the USA and other central banks have flooded the markets with a veritable glut of money in the past. What are the consequences for anyone who wants to invest money<\/a>?<\/p>\n

Inflation eats up assets<\/h2>\n

The answer is unpleasant, but simple: inflation destroys your money. When prices rise, your assets melt \u00e0 la longue like butter in the sun. It is no coincidence that loss of purchasing power is also considered an important 'ingredient' in a dangerous cocktail that can have a toxic effect on private investors. The other two ingredients are 'war' and 'monetary tightening measures'. And how can I protect my money? <\/p>\n

Under no circumstances should you sit back and relax. Because if \u2013 in the best-case scenario \u2013 the inflation rate in Switzerland remains at 2.4% per year, the loss over the next ten years will be 32% on average. After ten years, you would only have CHF 680,000 left from one million francs. If the German inflation rate of around 7% is applied permanently for the same period, your assets would even be halved and one million would only be worth around 508,000 euros. <\/p>\n

A sound investment strategy<\/a> is the right response to challenges in times of many question marks and ups and downs on the stock markets<\/a>. One thing is certain: in the long term, equities generate percentage returns that are higher than the inflation rate. They also demonstrably offer the highest returns compared to other asset classes<\/g>. But which shares should you invest<\/a> in?<\/p>\n

Buying shares: the right investment strategy<\/h2>\n

Above all, active portfolio management is important. This means systematic risk management in which, for example, part of the assets are reallocated to defensive equities<\/g> or invested in other asset classes in times of crisis. For example, we also use good old gold as a diversification element in our multi-asset strategies. <\/p>\n

In general, we at Point Capital consistently focus on quality securities in our investments. Such investments tend to perform better even in a difficult market environment.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' bg_color='rgba(63,75,111,0.2)' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' class='border-box' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' shape_type=''][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid']

Consultation appointment<\/p>

Learn more and get personal advice \u2013 free of charge and without obligation.<\/h3>
<\/div><\/div>Schedule an appointment now<\/a><\/div>
\"Consultation<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row type='in_container' full_screen_row_position='middle' column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' bg_color='rgba(63,75,111,0.2)' scene_position='center' text_color='dark' text_align='left' row_border_radius='none' row_border_radius_applies='bg' overflow='visible' class='border-box' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' shape_type=''][vc_column column_padding='no-extra-padding' column_padding_tablet='inherit' column_padding_phone='inherit' column_padding_position='all' column_element_direction_desktop='default' column_element_spacing='default' desktop_text_alignment='default' tablet_text_alignment='default' phone_text_alignment='default' background_color_opacity='1\u2033 background_hover_color_opacity='1\u2033 column_backdrop_filter='none' column_shadow='none' column_border_radius='none' column_link_target='_self' column_position='default' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/1\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid']

Pension calculator<\/p>

Pension calculator: Calculate your personal pension plan<\/h3>
Can you maintain your standard of living in retirement? What would a professional investment strategy yield for you? Calculate your personal retirement savings.<\/div><\/div>Start the pension calculator<\/a><\/div>
\"Pension<\/div><\/div><\/div>[\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"

Wondering how to invest your money when prices rise? Everything is getting more expensive \u2013 fuel, heating, shopping. <\/p>\n","protected":false},"author":3,"featured_media":6688,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"wds_primary_category":0,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[304],"tags":[155,206],"class_list":["post-6684","post","type-post","status-publish","format-standard","has-post-thumbnail","category-private-investors","tag-inflation","tag-invest-money"],"acf":[],"_links":{"self":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/6684","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/comments?post=6684"}],"version-history":[{"count":4,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/6684\/revisions"}],"predecessor-version":[{"id":8682,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/6684\/revisions\/8682"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media\/6688"}],"wp:attachment":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media?parent=6684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/categories?post=6684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/tags?post=6684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}