Increase stocks and optimize mortgages

Stock up: Which stocks are worth buying again now – and other stock market tips of the week

In “Switzerland at the Weekend”, our money columnist François Bloch writes why he would take another look at the US dealer Tractor Supply, among others, and that you can get top conditions out of mortgages.

Your involvement with the US retailer turns into a fascinating investment story for you Tractor Supply (TSCO US): +246.2% within five years is a remarkable achievement, while the American benchmark index would only have given you a return of +111% over the same period. According to my forecast models, operating income (EBIT) will increase from $1.307 to $1.741 billion between 2021 and 2026, which best explains the fundamental valuation discount of 7.6% for the $31.84 billion title. (reload)

The return on investment for the contract manufacturer is breathtaking Siegfried (SFZN SW): +207.1% within five years for the 4.9 billion franc title. The success story still seems to be more than intact: the operating result (EBIT) could improve from 124.4 to 256.8 million francs between 2021 and 2026. It is exciting to see how the US financial giant Vanguard Group has increased its positions again in recent months. (reload)

The French luxury goods manufacturer’s papers are heading fearlessly upwards Hermès (RMS FP): +262.5% within five years is quite something – especially in comparison to the French leading index, which would have only allowed an increase of 56.1%. According to the model analyses, the operating result (EBIT) will improve from 3.530 billion to 7.585 billion euros between 2021 and 2026, which is absolutely brilliant. (reload)

My valued mortgage fans: The “gas station” for incredibly deep financing has reduced its prices again! The offer for one is absolutely outstanding fixed mortgage over seven years: Here you can get a top rate of 1.32% with the best affordability. This means you can get a significant price difference from your current provider. (Top conditions)

Some people turned up their noses when I put the American private equity provider on the map years ago KKR (KKR US) set: +435% over the last five years represents a more than impressive result. According to model analyses, the operating result (EBIT) should grow from 4.896 billion to 8.739 billion dollars between 2021 and 2026. (reload)

I can reassure you that we are making new record volumes possible for you with the investment tip of the week: the traded issue volume for the BCV product was +425% compared to the maximum size that a financial giant offers in the first round for such products for self-decider BRC products . Another little tip: Be careful about the costs that your bank charges you for this transaction! This week we will do everything we can to ensure that, in addition to great conditions, we also provide you with material in the double-digit million range. (Maximum volume)

Our expert François Bloch has committed not to be active in any of the titles discussed. Anyone who implements the stock market tips from this column does so at their own risk. “Switzerland at the Weekend” assumes no responsibility.

Questions from readers for the financial advisor

All questions from readers will be answered. Write an email to financial advisor François Bloch: geld@schweizamwochenende.ch.

I regularly read your investment tips and answers to reader questions. The majority of investments involve larger amounts of money. My question would be whether this is also worthwhile with smaller sums? Because I will retire in August 2025 and am thinking about withdrawing capital. My retirement savings amount to 686,000 francs. For security reasons, I would leave 218,000 in the pension fund, which gives a monthly pension of around 1,000 francs and is just enough to live on with the AHV. The remaining 466,000 francs would now be available for investment. In the pension fund, this would result in a pension of around 2,150 francs per month. Is it realistic to achieve this via dividends? This probably also depends on whether the investments are managed by the bank or yourself. I ask for your professional advice.

You can certainly find smart investment solutions to suit your financial needs. And you can do a lot with 460,000 francs. If you are looking to invest in Swiss dividend stocks such as Zurich Insurance, Swiss Re or Swiss Life, this return can easily be exceeded in a good stock market year. But this certainly requires covered calls on your investments in order to carry out (partial) hedging. We must be aware that stock markets do not always go up steadily.

If you prefer security, your pension fund solution remains the best advice. If you assume that the stock market will continue to rise and you will receive good investment conditions, the risk with the equity strategy in combination with covered calls is to be preferred. It is important to choose the right stocks, otherwise this can end up being a costly undertaking!

Investment tip of the week