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Plural • Solution for Swiss Baby Depot: Starting capital for every child

8 solutions

What does the community propose? These posts show how the initiative could lead to real change.

Solution #81 day ago

Parents, relatives, and employers can voluntarily make additional contributions to the account, up to an annual maximum amount.

Solution #71 day ago

The account is linked to the AHV number. Families see the current balance each year, and upon retirement the money is automatically paid out. This way no account is forgotten. In Great Britain, 758,000 such child accounts have not been claimed.

Solution #61 day ago

A fixed portion of the fund, for example 5 percent, is invested through venture‑capital funds in young Swiss companies. The remainder is invested in a broadly diversified manner.

Solution #51 day ago

The money is invested in a low‑cost, globally diversified standard fund. Swiss companies are included, but not overweighted. Thus, the pension is not dependent on a few large corporations or the performance of a single country.

Solution #43 weeks ago

Families are automatically informed each year about the status of the portfolio, so no account is forgotten. In the United Kingdom, 758,000 such child accounts remain unclaimed.

Solution #33 weeks ago

The money is invested in a low‑cost standard fund, heavily weighted toward Swiss companies, but broadly diversified to avoid concentration risks.

Solution #23 weeks ago

Financing through a fund from the federal share of SNB distributions. With about 78,000 births, this costs roughly CHF 390 million per year. In good years, the fund builds reserves for years without a distribution.

Solution #13 weeks ago

Every child born in Switzerland receives a one-time CHF 5,000 in a locked retirement account. The money can only be accessed after retirement.

Solution #9You

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Swiss Baby Depot: Starting capital for every child