The 10 trillion USD investing shortcut 

ETFs aren’t just a financial buzzword; they’re a global money-making machine. These bundles of stocks, bonds or commodities now manage over 10 trillion USD worldwide (Statista, 2024) — that’s more than the GDP of most countries! Why? Because they allow you to invest in hundreds of companies with just one click. No stock-picking stress. No endless research. With Yuh, you can start investing with as little as 10 CHF, avoid hefty bank fees and automate your investments. This is what we call smart investing, Swiss style. 

ETFs or tell me you’re no stock expert without telling me  

When you’re just starting out, investing can be difficult. It’s like solving a 1’000-piece puzzle blindfolded. But ETFs (Exchange-Traded Funds) change the game. With one purchase, you get instant access to a diversified portfolio of assets, including stocks, bonds and commodities. You don’t need to be a stock market expert because, once you start investing in ETFs, your money works while you live your life. 

But what exactly is an ETF?  

Think of an ETF as a variety pack of stocks (or assets). Rather than betting on one company, you buy into a portfolio that can include dozens or even hundreds of different assets. ETFs are great for beginners because they automatically spread risk. If one company in the ETF performs poorly, the others can balance it out. This is called diversification. 

3 reasons to invest in ETFs  

  1. Diversification: ETFs hold dozens or even hundreds of stocks, which reduces risk. If one company struggles, the rest of your portfolio won’t be affected.
  2. Easy to buy and sell: Just like stocks, ETFs can be traded throughout the day, making them super flexible.
  3. No stock-picking stress: There’s no need to analyse individual companies — just choose an ETF that aligns with your goals.

All the ways you can invest with ETFs 

1. By asset class:
 
  • Equity ETFs: Invest in stocks and gain exposure to hundreds of companies with a single investment. Equity ETFs can track broad markets, such as the S&P 500, or specific sectors, such as technology, healthcare or renewable energy. 
  • Bond or fixed income ETFs: Invest in government bonds, corporate bonds, or other debt instruments. They’re less volatile and provide a steady income, making them ideal if you want a more balanced portfolio. 
  • Commodity ETFs: Invest directly in commodities such as gold, silver, oil, or agriculture, or in futures contracts linked to them. 
  • Real estate ETFs (REIT ETFs): Invest in real estate investment trusts and related assets. 
  • Multi-asset ETFs: A mix of stocks, bonds, commodities etc. 
 
2. By investment style:
 
  • Index ETFs: Passively track an index (the most common and cost-efficient option). 
  • Active ETFs: Actively managed by a fund manager who selects assets. 
  • Factor or smart beta ETFs: Track indices built around factors such as value, momentum, low volatility and quality. 
 
3. By geography:
 
  • Global ETFs: Cover worldwide assets. 
  • Regional ETFs: Focus on specific regions such as Europe, Asia-Pacific or emerging markets. 
  • Country ETFs: Focus on a single nation’s assets. 
 
4. By strategy or theme:
 
  • Sector ETFs: Want to invest in technology, healthcare or clean energy? There’s an ETF for that. 
  • Thematic ETFs: Interested in AI, sustainability, or the future of work? There are ETFs built around specific trends. 
  • Dividend ETFs: Focus on high dividend-paying companies. 
  • ESG or sustainable ETFs: Invest based on environmental, social, and governance criteria. 
  • Leveraged and inverse ETFs: Use derivatives to amplify returns or bet against an index (higher risk; often used for short-term trading). 

How and where do I start?  

To start investing in ETFs, you first need to decide on your strategy. Would you like to track the whole market with a broad ETF or zoom in on a particular sector or trend? Next, choose a low-cost, beginner-friendly platform such as Yuh. Then, select a reputable ETF with low fees and a solid track record. Finally, click ‘Buy’ and let your money do the hard work. 

Why Yuh is a great place to start investing  

  • Low fees: Traditional banks charge high fees – up to 100 CHF per trade, plus custody fees. At Yuh, however, there are no custody or account fees, and trading fees are tiny. If you invest 200 CHF, we only charge 1 CHF*. 
  • Simple and beginner-friendly: We’ve handpicked the most popular ETFs, so it’s easy to find great investments without getting lost in technical details.
  • Fractional investing: Even if an ETF is expensive, you don’t need to buy a full share. With Yuh, you can invest as little as 10 CHF and own a fraction of any ETF.
  • Automate your investments: Set up an automatic monthly investment and benefit from zero trading fees on some ETFs when using this feature.
  • Safe and secure: Yuh operates under a banking licence through Swissquote, so your investments are protected under Swiss banking regulations.

An ETF bedtime story to remember 

In 2007, Warren Buffett, the world’s most famous investor, bet 1 million USD that a simple S&P 500 index fund would outperform a collection of hedge funds run by some of Wall Street’s sharpest minds. The bet ran for 10 years, starting in 2008. The outcome? The index fund delivered annual returns of around 7.1%, while the hedge funds managed a mere 2.2%. Buffett’s message was clear: you don’t need to be a genius — or pay high fees — to grow your wealth. While those hedge funds charged 2–3% in fees every year, ETFs can cost as little as 0.03%. With Yuh, you can follow the same winning logic, starting with just 10 CHF, with no custody fees and the option to automate your investments. Sometimes, the simplest move really is the smartest one. 
ETFs are great for beginners because they automatically spread risk. 
ETFs, your 10 CHF ticket to the market
The cool thing about ETFs is that you can invest like a billionaire while spending like a student. ETFs are a simple, low-cost way to invest — no financial PhD required! Start with as little as 10 CHF on the Yuh app and own a piece of some of the world’s biggest companies. Try automating your investments for effortless discipline: the same amount on the same date every month. Over time, this habit can turn spare change into significant growth. The sooner you start, the more time your money has to compound.