From daily lattes to long-term wealth: Investing is more accessible than ever 

What if your morning coffee habit could fund your future? It’s a simple question with a simple answer: It can! Investing in stocks is one of the best ways to make your money grow over the long term, and the good news is that you don’t need to be Warren Buffett to get started. Our guide breaks everything down gradually, so even total beginners can start investing with confidence. There’s no need for Wall Street jargon or a finance degree — just take small steps, develop smart habits, and use the right tools. 

What are stocks? 

A stock is essentially a small part of a company. When you buy a stock, you become part-owner of that company — yes, you and Jeff Bezos could technically both be Amazon shareholders. If the company thrives, its stock price goes up and you make money. If it struggles, the stock price drops and you could lose money. Simple, right? 

Why bother investing in stocks? 

Leaving your money in a savings account might feel safe, but inflation quietly erodes its value, like a subscription you forgot to cancel. Stocks, on the other hand, offer long-term growth potential. Historically, they have outperformed savings accounts by far. Investing is like planting a tree: the earlier you start, the bigger it will grow. 

Don’t put all your eggs in one basket – diversify! 

Investing all your money in a single stock is risky because if that company goes bankrupt, you could lose everything. That’s why diversification is crucial. The easiest way to do this is by investing in ETFs (Exchange-Traded Funds). ETFs contain hundreds of stocks in one package, providing instant diversification with just one investment. It’s like buying a smoothie instead of just one piece of fruit. However, if you truly believe in a company, you can invest in it individually. Just remember that higher potential returns come with higher risks. 

How to start investing in stocks (finance bro-free version) 

  1. Set your budget: You don’t need a fortune to start. Even 50 CHF a month can go a long way over time.  
  2. Pick a strategy: You can either buy individual stocks, which requires more research, or ETFs, which are easier and more diversified. ETFs are ideal for beginners because they reduce risk by spreading your investment across multiple companies. 
  3. Choose a platform: Many apps (like Yuh) allow you to start investing with just a few taps. Look for one with low fees and a user-friendly interface. 
  4. Think long-term: Stocks fluctuate, but patience is key. Instead of panicking over short-term dips, think years ahead (remember, it’s a marathon, not a sprint). 

Why Yuh is a great place to start investing  

  • Low fees: Traditional banks charge up to 50 or even 100 CHF per investment, which makes it expensive to invest small amounts. On top of that, they charge custody fees — a monthly fee just to hold your stocks! At Yuh, however, there are no custody or account fees. If you invest 200 CHF, for example, we charge just 1 CHF. This means you can start small without worrying about hidden costs. 
  • Exclusive selection: All the most popular stocks, ETFs and cryptocurrencies are available on Yuh. If you’re just starting out, it’s best to stick with well-known, reputable stocks rather than gambling on obscure or unknown companies. We’ve handpicked the most popular products on the major stock exchanges, so you won’t have to worry about choosing the right one or the right currency. 
  • Straightforward: With Yuh, your orders are executed as soon as possible. You also have the option of placing limit and stop loss orders to protect your earnings from falling prices. 
  • Fractional trading: Some shares are extremely expensive — think Lindt at over 100’000 CHF or Hermès at over 2’500 EUR. But with Yuh, you don’t need thousands to invest in this kind of shares. Thanks to fractional trading, even if you only have 100 CHF left at the end of the month, you can buy 0.001 Lindt shares and join them on their journey, even if you’re not a millionaire. 
  • Automated investments: With Yuh, you can set up an automatic investment plan and invest a fixed amount each month. Some ETFs even come with no trading fees if you invest in them automatically. This way, you can grow your portfolio effortlessly over time without having to constantly monitor the market. 
  • Safe & secure: Yuh operates under a banking licence through Swissquote, meaning your investments are protected under Swiss banking regulations. 

Did you know?  

Just a few stock market flexes for your next party small talk… 
  • If you had invested 1’000 CHF in Apple in 2003, for example, it would now be worth over 500’000 CHF! 
  • A share of Coca-Cola has paid dividends every year since 1920. 
  • Warren Buffett made 99% of his wealth after turning 50. So it’s never too late to start! 
  • The most expensive stock in the world is Berkshire Hathaway, priced at over 500’000 CHF per share. 
You don’t need a fortune to start. Even 50 CHF a month can go a long way over time.
Start with what you have
By now, you know it: Investing isn’t rocket science, but it does require some learning and patience (Rome wasn’t built in a day, after all). But there’s no need for a financial revolution. You can simply invest a few spare francs (10 CHF? 50 CHF?) using the Yuh app. Try our automated investment plan, which is designed to be set up and then left to run. Over time, this small habit can have a significant impact. If you’re unsure, start with ETFs — low risk, high convenience. Thanks to fractional trading, even the world’s priciest stocks are now within reach.