Financial strategies for mortgage mixes and short-term investments

Financial planning in Switzerland and Germany focuses on balancing liquidity, security, and interest rate risks through strategic asset allocation.

In Switzerland, mortgage holders are encouraged to consider a mix of short-term and long-term options. A combination of SARON-based mortgages, which offer flexibility and proximity to money market rates, and fixed-rate mortgages, which provide budget certainty, can help manage interest rate volatility. As of September 2026, the Swiss National Bank maintained its key interest rate at 0 percent, with inflation at 1.0 percent.

For short-term investments, particularly in Germany, the priority is liquidity—the ability to access funds without value loss. Experts recommend maintaining an emergency fund of three to six months' salary in highly accessible products. When choosing short-term vehicles, investors should evaluate availability, security (such as statutory deposit insurance), and potential fees to ensure the investment meets immediate needs without sacrificing necessary access.