Have you ever dreamed of earning more from your money? How does a 4-6% APY on your USD or CHF sound? Intriguing, isn’t it?

What is APY?

APY stands for “Annual Percentage Yield.” It represents the total amount of interest you earn on a deposit in a year, taking into account compound interest.

Investing in real estate through platforms like Foxstone and in share certificates via UNFCU provides a more predictable and less volatile avenue for growing your wealth compared to the stock market. Unlike stocks, which can fluctuate wildly due to a variety of factors such as market sentiment, geopolitical events, and company-specific news, the return on investment from real estate crowdfunding and share certificates is known upfront. This level of predictability reduces the potential for unexpected losses and provides a level of financial stability that is highly sought after, especially in times of market uncertainty.

Today, I’m excited to share two relatively safe and accessible ways to turn this dream into reality. We’ll be focusing on real estate crowdfunding and share certificates. Let’s get started!

Earning with CHF through Foxstone

What is Foxstone?

The first method we’re going to discuss involves using your CHF in a fascinating way. This is where Foxstone comes into the picture. Foxstone is an innovative real estate crowdfunding platform based in Switzerland. Starting with just CHF 10,000, you can make your entry into the world of Swiss real estate investment.

Choosing Crowdlending over Co-ownership

Foxstone offers two options for investors – crowdlending and co-ownership. For most investors, crowdlending is the optimal choice, offering an appealing balance between risk and return. You are basically lending your money (in tranches of CHF10,000) for a project for a fixed period in return for yield.

Four Simple Steps of Crowdlending

Engaging in crowdlending on Foxstone is as easy as one-two-three, well, actually, four! Let me break it down for you:

Step 1: Make an Investment

Your funds are channelled into a loan designated for a specific real estate development project. The company owns only this real estate development project and has no debt related to another project.

Step 2: Monitor the Progress

The real estate developer provides regular updates on the project’s progress and financial status to Foxstone. This information is then simplified and displayed on your online dashboard, making it easy for you to follow.

Step 3: Receive Your Interests

Now comes the fun part. Every quarter, the interest from your loan is deposited directly into your bank account. These payments are also recorded on your dashboard, allowing you to monitor your investment’s performance effortlessly.

Step 4: Reclaim Your Capital

Once the loan term comes to an end, you get your capital back. If you decide to sell your loan agreement before its maturity, Foxstone allows you to list it on their platform.

Believe it or not, I managed to achieve a rate as high as 5.75% once! And remember, the minimum investment threshold is just CHF 10,000.

Tip: During the sign up process, you will be asked for your AVS number. UN or international organisation staffs working in Switzerland should have this number, ask your HR. Otherwise you can use your carte de legitimation number and upload a copy of your card.

Maximizing Your USD with UNFCU Share Certificates

What are UNFCU Share Certificates?

Let’s switch currencies now. For those holding USD, UNFCU Share Certificates offer a promising avenue. This investment method is secure, dependable, and offers a comfortable way to see your capital grow.

How Do UNFCU Share Certificates Work?

Here’s the deal: You decide the term of your certificate, which signifies the duration of your investment. Your reward? The full dividend rate is yours at the term’s end. That’s not all – you also stand to earn Member Loyalty Dividends each month!

Key Benefits of UNFCU Share Certificates

UNFCU Share Certificates come with several attractive features:

1. Earn Competitive Dividends

Share certificates allow you to earn competitive dividends, adding a steady stream to your income.

2. Guaranteed Dividends

These certificates offer guaranteed dividends that typically surpass those from other savings accounts.

Most share certificates can be opened with just $500, and their terms vary from three to 60 months. At the moment, the top rate stands at an enticing 4.35% APY for a 6-month term.

Final Thoughts: The Benefits of These Investment Methods

Investing in real estate or share certificates presents a savvy move. Compared to the stock market, these alternatives offer more stability. You’ll know your return upfront, and can expect it at the end of the term. Plus, these options are extremely accessible. You don’t need a vast amount to start.

So, why hold back? It’s time to let your money work harder for you. Both Swiss real estate through Foxstone and UNFCU Share Certificates provide a clear path to 4% APY, or even more. Here’s to your successful investing journey!