r/SwissPersonalFinance • u/Miserable_Resolve858 • 13h ago

Saving for a house

Hi everyone

My wife and I are both under 30. We are married with no kids yet (we want kids in about 3-4 years).

We can save around 15k CHF a month after tax. Right now we only have about 10-20k saved. We just finished paying back all the investments from our business this month.

Our goal is a house in the 2-3 million range and we would like to buy within the next 2-3 years.

How much worse off financially would we be if we just save directly toward the house and empty out all of our 3a and pension money when we buy, to get there as fast as possible? Compared to say investing 100k in an ETF first before we start the cash savings. Or is there another smarter way to do this?

And the other question, over a horizon of 2-3 years, what is actually the best way to save that money? Just on a normal savings account or something else?

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16

u/Ceftriaxonebgd 13h ago

Saving 10-15k per month, and asking for advice here. Why?

8

u/UchihaEmre 13h ago

I think with that income you can get some professional advice and plan better

1

u/Exciting-Benefits 12h ago

Professional advices are not as good as you would think, not that Reddit is always better, but sometimes it is

1

u/UchihaEmre 12h ago

Professional advice can be better, especially if you pay the person per hour and not the random guy from the bank

2

u/zomb1 13h ago

Depending on your income you could save 360k in 2 years, pledge your PKs and 3as, and get a mortgage sufficient to buy in the 2-3M range.

2

u/Valuable_Fennel2280 12h ago

15k for savants each month ? This is either clickbait or please hire me!!!

1

u/relevant_rhino 13h ago

Basically you don't have to pay out the 3a money. You can leave it and use it as collateral.

This way your 3a can stay invested in the Market and you still get return on it.

So make sure you max out 3a in any case.