"Sophie, 42 years old, an executive in a multinational company in Geneva, lives in the Pays de Gex. Each month, she transfers her salary in Swiss francs to her French account in euros. She wants to invest in Switzerland to diversify her assets, but faces obstacles: inaccessible products, high entry thresholds, lack of financial knowledge, and administrative complexity. How can she overcome these challenges and invest wisely in Switzerland?"

And you, as a cross-border worker, how can you navigate this environment to grow your savings in Switzerland?

The challenges of investing in Switzerland for cross-border workers

Investing in Switzerland as a cross-border worker presents advantages, but also specific challenges:

• Restricted access to investment products: Many Swiss financial products are reserved for residents. Cross-border workers often have to go through private banks or wealth managers, with high entry thresholds.​

  
  

• Regulatory complexity: Swiss regulations can be complex for non-residents, requiring a deep understanding or professional support.​

  
  

• Cross-border taxation: Cross-border workers must navigate between French and Swiss tax systems, which can complicate wealth planning.​

  
  

Tailored solutions for cross-border workers

Despite these challenges, solutions exist to allow cross-border workers to invest in Switzerland:

1. Accessible wealth management

Companies like RidgeRock offer wealth management services tailored to cross-border workers, with more affordable entry thresholds (starting from CHF 50,000). These services include:​

• ETF mandates: Investment in index funds for effective diversification.​

  
  

• Luxembourg life insurance: Offering flexibility, security, and tax benefits.​

  
  

• Private equity: Access to unlisted investments to diversify one’s portfolio.​

  
  

• Structured products: Customized solutions to meet specific goals.​

  
  

2. Luxembourg life insurance

Luxembourg life insurance is particularly suited for cross-border workers:​

• Security of funds: Thanks to the Luxembourg "super-privilege", assets are protected in case of the insurer's bankruptcy.​

  
  

• Flexibility: Ability to choose the currency, investment vehicles, and transfer the contract in case of a change in tax residency.​

  
  

• Tax benefits: Favorable taxation, especially in terms of wealth transfer.​

  
  

3. Access to the 3rd pillar

Although traditionally reserved for residents, some cross-border workers can access the Swiss 3rd pillar, especially if they obtain quasi-resident status. This product allows for retirement preparation while benefiting from tax advantages.​

Conclusion: Investing in Switzerland as a cross-border worker is possible

Despite the obstacles, cross-border workers have solutions to invest in Switzerland and optimize their assets. By surrounding themselves with the right partners and choosing the right products, it is possible to overcome access barriers and benefit from the advantages of the Swiss market.​

And you, are you ready to take the plunge and invest wisely in Switzerland?