{"id":8340,"date":"2021-02-22T15:08:13","date_gmt":"2021-02-22T14:08:13","guid":{"rendered":"https:\/\/pointcapital.ch\/retirement-provision-through-shares-opportunities-and-prospects\/"},"modified":"2025-11-26T12:42:35","modified_gmt":"2025-11-26T11:42:35","slug":"retirement-provision-through-shares-opportunities-and-prospects","status":"publish","type":"post","link":"https:\/\/pointcapital.ch\/en\/retirement-provision-through-shares-opportunities-and-prospects\/","title":{"rendered":"Retirement provision through shares: opportunities and prospects"},"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 css='' el_class='b-subheading' text_direction='default']Is a savings account for retirement better than investing money? Definitely not. Investing at least part of your retirement provision in shares protects your assets against inflation.[\/vc_column_text][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner 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' overflow='visible' 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]Anyone who wants to invest their <a href=\"https:\/\/pointcapital.ch\/en\/?p=7929\">money<\/a> safely has a problem: there has been hardly any interest on seemingly safe savings accounts, call money or fixed-term deposits for years. On the contrary: there is even the threat of negative interest rates and loss of value. Saving is therefore not a good deal. Inflation is slowly eating up the money, as the chart below shows.[\/vc_column_text][vc_column_text css='' text_direction='default']\n<h2>Why are shares worthwhile as a retirement provision?<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Anyone who wants to invest their money safely has a problem: there has been hardly any interest on seemingly safe savings accounts, call money or fixed-term deposits for years. On the contrary: there is even the threat of negative interest rates and loss of value. Saving is therefore not a good deal. Inflation is slowly eating up the money, as the chart below shows.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner 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' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/2\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][image_with_animation image_url='1186\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_inner][vc_column_inner 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' overflow='visible' gradient_direction='left_to_right' overlay_strength='0.3\u2033 width='1\/2\u2033 tablet_width_inherit='default' animation_type='default' bg_image_animation='none' border_type='simple' column_border_width='none' column_border_style='solid'][image_with_animation image_url='1185\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_inner][\/vc_row_inner][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner 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' overflow='visible' 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 css='' text_direction='default']In Switzerland, cumulative inflation from 2000 to 2020 amounted to a good 10 %. In Germany, it was as high as 25 % in the same period. So hoarding cash is not a good idea. Instead, you should <a href=\"https:\/\/pointcapital.ch\/en\/?p=7929\">invest money<\/a> to preserve value.[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text css='' text_direction='default']\n<h3>Loss of value despite government bonds?<\/h3>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Incidentally, buyers of long-term government bonds must also fear a loss in value \u2013 even though the state cannot actually go bankrupt. This is because two factors essentially determine the interest rate and therefore the yield: the probability of default in getting the borrowed money back and the inflation rate. In the event that inflation rises significantly by the time a bond is repaid, its holders will noticeably lose purchasing power.[\/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' 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'][divider line_type='No Line'][vc_row_inner column_margin='default' column_direction='default' column_direction_tablet='default' column_direction_phone='default' text_align='left' row_position='default' row_position_tablet='inherit' row_position_phone='inherit' overflow='visible' pointer_events='all'][vc_column_inner 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' overflow='visible' 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 css='' text_direction='default']\n<blockquote><p>Fear prevents success and destroys your money. Sounds harsh, but that's how it is. A savings account is the guarantee of a safe loss of assets.<\/p><\/blockquote>\n<p style=\"text-align: left;\"><em>Martin Peter, COO & Partner<\/em><\/p>\n[\/vc_column_text][divider line_type='No Line' custom_height='50px'][vc_column_text css='' text_direction='default']\n<h2>The advantages of an equity investment at a glance<\/h2>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text css='' text_direction='default']If you want to achieve financial freedom in the long term, you should invest in <a href=\"https:\/\/pointcapital.ch\/en\/?p=7551\">shares \u2013 also for retirement provision<\/a>. Point Capital shows you the many advantages of investing in shares:<\/p>\n<ul>\n<li><strong>Profit from the economy:<\/strong> By investing in a broadly diversified equity portfolio, you can benefit from the growth opportunities of the global economy.<\/li>\n<li><strong>Participation in company profits:<\/strong> In contrast to traditional forms of saving, investing in shares allows you to participate in company profits and potential price increases.<\/li>\n<li><strong>Higher returns:<\/strong> Experience shows that equities generate higher long-term returns than fixed-interest investments.<\/li>\n<li><strong>Compensating for inflation:<\/strong> With a retirement provision in shares, you have the opportunity to compensate for inflation-related losses in purchasing power.<\/li>\n<\/ul>\n<p>With Point Capital, you can invest your assets optimally and use these advantages for your individual retirement provision. Contact our experts now \u2013 it pays to <a href=\"https:\/\/pointcapital.ch\/en\/private-investors\/asset-investment\/\">make provisions<\/a>![\/vc_column_text][vc_column_text css='' text_direction='default']\n<h3>Calculate your personal pension provision<\/h3>\n[\/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']<div class=\"vc_row-fluid box-element-row calculator-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\">Pension calculator<\/p><h3 class=\"box-title\">Calculate your personal pension plan<\/h3><div class=\"box-content\">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><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"custom-box-btn open-termin-popup\" href=\"https:\/\/pointcapital.ch\/en\/pension-calculator\/\" title=\"Calculator\" ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Start the pension calculator<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2021\/03\/PCG_renditerechner.svg\" width=\"100%\" alt=\"Pension calculator\"><\/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' 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 css='' text_direction='default']\n<h2>Correct planning: Which shares are worthwhile for retirement provision?<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']<a href=\"https:\/\/pointcapital.ch\/en\/?p=5692\">Quality shares<\/a> in established companies with stable business models and long-term growth potential are particularly suitable for retirement provision. It is particularly important to spread shares widely. This is known as 'diversification'. Optimal diversification reduces the risk of market fluctuations in individual stocks. You should therefore not just buy shares from one sector, but invest in different sectors and markets. This increases the chance of more stable returns.[\/vc_column_text][vc_column_text css='' text_direction='default']\n<h3>Invest regularly and for the long term<\/h3>\n[\/vc_column_text][vc_column_text css='' text_direction='default']At Point Capital, we know that shares achieve higher returns than other forms of investment when invested over a long period of time. <a href=\"https:\/\/pointcapital.ch\/en\/private-investors\/\">Private investors<\/a> therefore benefit from planning the longest possible investment horizon. Regular investments in equities also offer an attractive average price and help to maintain a disciplined investment strategy. They also reduce the risk of missing out on good stock market days.<\/p>\n<p>The right <a href=\"https:\/\/pointcapital.ch\/en\/investment-strategy\/\">investment strategy<\/a> is the key to calculable risks and long-term success on the <a href=\"https:\/\/pointcapital.ch\/en\/?p=5844\">stock market<\/a>. Rely on Point Capital to achieve optimal results with your investments.[\/vc_column_text][vc_column_text css='' text_direction='default']\n<h2>Pension provision with shares: no problem with Point Capital<\/h2>\n[\/vc_column_text][vc_column_text css='' text_direction='default']Point Capital makes it easier for you to save for retirement. Our experts will help you find an investment solution tailored to your requirements, create a balanced equity portfolio and invest your assets securely and profitably over the long term.<\/p>\n<p>Put your retirement provision with shares in the reliable and experienced hands of Point Capital![\/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' overlay_strength='0.3\u2033 gradient_direction='left_to_right' shape_divider_position='bottom' bg_image_animation='none' gradient_type='default' 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']<div class=\"vc_row-fluid box-element-row partner-box\" style=\"text-align:left\"><div class=\"box-body\"><div class=\"box-body-inner-wrapper\"><div class=\"box-body-inner\"><p class=\"box-sub-title\">Consultation appointment<\/p><h3 class=\"box-title\">Learn more and get personal advice \u2013 free of charge and without obligation.<\/h3><div class=\"box-content\"><\/div><\/div><a style=\"background-color:#3f4b6f;color:#ffffff\" class=\"open-termin custom-box-btn open-termin-popup\" href=\"#\"  ><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/themes\/salient-child\/img\/arrow-btn.svg\" \/>Schedule an appointment now<\/a><\/div><div class=\"box-image\"><img decoding=\"async\" src=\"https:\/\/pointcapital.ch\/wp-content\/uploads\/2021\/03\/Bild_CTA_Beratungstermin.png\" width=\"100%\" alt=\"Consultation appointment\"><\/div><\/div><\/div>[\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>Is a savings account for retirement better than investing money? Definitely not. Because if you have shares, you protect your assets against inflation. Here's how it works.   <\/p>\n","protected":false},"author":1,"featured_media":8346,"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":[],"class_list":{"0":"post-8340","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-private-investors"},"acf":[],"_links":{"self":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/8340","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/comments?post=8340"}],"version-history":[{"count":7,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/8340\/revisions"}],"predecessor-version":[{"id":8717,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/posts\/8340\/revisions\/8717"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media\/8346"}],"wp:attachment":[{"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/media?parent=8340"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/categories?post=8340"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pointcapital.ch\/en\/wp-json\/wp\/v2\/tags?post=8340"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}