How Can I Find the Best Products for My Needs?

Looking at price tags is good and well. But it is also important that the goods and services you use actually meet your needs. In this overview, moneyland.ch connects you with guides and checklists for finding the most suitable financial and telecom services.

1. The right mobile plan

A mobile carrier service is something that most people use every single day. But many people do not put a whole lot of thought into choosing a mobile plan. 

The moneyland.ch guide to choosing a mobile plan tells you what to consider so that you can find a mobile plan that suits your needs. You can also find useful tips in the guides to mobile plans with roaming allowances and mobile plans with unlimited calls and data for a flat fee.

2. The right home Internet plan

Internet service providers and home Internet plans are one service for which the performance matters at least as much as the price. Things like bandwidth, upload and download speeds, and the technology used all play a role in determining how fast (or slow) your Internet connection will be. 

The moneyland.ch guides to choosing the right broadband Internet plan and changing your home Internet connection list all the most important things to consider.

3. The right TV plan

Are you getting the most TV for your money? If you have had the same TV plan for many years, it is quite possible that there are better offers now that include more of the channels you enjoy watching, or have lower price tags.

The moneyland.ch guide to choosing a TV plan offers simple tips for getting it right.

4. The right credit card

Credit cards are another feature of daily life that we tend to sign up for without giving a great deal of thought to what exactly we are getting.

The moneyland.ch guides to free credit cards in Switzerland, credit card reward programs, and credit card insurance benefits can help you learn how to get the most out of using a credit card.

5. The right bank accounts

Whether it is paying lower fees for a private account or earning higher interest on your savings account, optimizing your bank accounts can help you get more from the banking services you use.

Learn how to find the right banks and banking services in the guide to finding the right Swiss bank and the guide to choosing the right bank package.

6. The right stockbroker

Investing and trading are two more services that can vary broadly between banks. Which stockbroker would work best for you depends on a number of factors, including which kinds of instruments and order types you want to use.

The checklist for choosing a stockbroker provides a step-by-step guide to help you find the best match.

7. The right ETF

Exchange-traded funds (ETFs) can be a simple and affordable solution for creating a broadly-diversified stock portfolio. If you already have money invested in mutual funds, it can be worth reviewing these investments to see if you could pay less using a different fund.

If you want to invest using ETFs but are not sure which one is most suitable, take a look at the moneyland.ch checklist for choosing the right ETF. You can also find useful tips in the guide to choosing the right investment fund.

8. The right asset management service

Asset management is another banking service that offers a lot of optimization potential. In addition to fees, it is also important to look at which investment vehicles are offered. In addition to asset management services from banks, there are also financial service providers that offer asset management services completely online. These are often referred to as robo advisors.

The guide to Swiss robo advisors and the list of asset management pitfalls give you information that can help you decide whether your current asset management service is the best fit.

9. The right health insurance

While you can only change your mandatory health insurance at the end of each year, it is worth reviewing your supplemental outpatient insurance and hospital insurance policies. There are huge differences between insurance providers and individual offers.

The guide to choosing the right complementary hospital insurance, and the guide to costs that can be covered by supplemental outpatient insurance provide a good starting point for optimizing your insurance.

10. The right car insurance

Is your current car insurance still the cheapest? Do you still need comprehensive car insurance for your aging car? If you own a vehicle, it is worth reviewing your car or motorcycle insurance every year to make sure it is the best fit.

You can find a good overview of the points to look at in the guide to choosing the right car insurance.

11. The right travel insurance

If you travel a lot, having long-term travel insurance can work out cheaper than getting separate insurance for each trip. In addition to the price, it is also important to check if an offer actually covers the risks you are likely to encounter.

These travel insurance tips can help you optimize your travel insurance.

12. The right household insurance

It is helpful to review your household insurance every year to see if the value of your possessions has increased or decreased. You can then adjust the insured amount to match. It is also important to consider whether or not you need supplemental coverages like insurance for simple theft away from home.

You can find out what can be covered using household insurance in this guide.

13. The right personal liability insurance

Have you taken on new hobbies or side gigs? Or have you bought a home, or gotten a drivers license? There are many changes in life that can increase or decrease our risk of being hit with liability claims. Taking a moment to review or liability risk occasionally helps you know when to get a higher sum insured, and when you can lower the sum insured to reduce the premiums.

You can find helpful tips in the guide to choosing the right personal liability insurance.

14. The right pillar 3a

Are your pillar 3a savings earning the highest possible interest? Could you earn higher returns by moving to a different pillar 3a retirement fund or asset management service? Do you want to invest your retirement savings, or simply keep them in a pillar 3a savings account? Which fees will apply if you withdraw early to buy a home, or after leaving Switzerland?

The guide to choosing the right pillar 3a saving and investing solutions gives you useful advice for optimizing your pillar 3a retirement savings.

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