Clanq
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date: 2026-06-23T20:51:59Z
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items: What parents need to know about investments
items: Investing for children
items: Why mothers play a key role in finances
items: Clanq, the finance app for families
items: How children learn to save money through play
items: Tasks – small helpers, big impact
items: Christmas: Financial education during the festive season
items: Children should gain their own experience with money at an early age
items: What is Financial Wellness?
items: Family budget: Yes or no?

What parents need to know about investments
type: item
creator: Christina Hammer
date: 2026-06-18T06:35:52Z
subject: Financial knowledge
description: Interview with Sascha Kever, CIO of Cornèr Bank Der Beitrag What parents need to know about investments erschien zuerst auf Clanq.
encoded: Is investing suitable for families? And what exactly is the Cornèr Accumulation Fonds that Clanq is now offering? We spoke to someone who knows: Sascha Kever, CIO of Cornèr Bank, explains why you don’t need to fear market fluctuations when investing, why time is your most valuable ally, and how you can lay the foundations for your child’s financial freedom with monthly contributions. <img fetchpriority="high" decoding="async" aria-describedby="caption-attachment-6896" class="wp-image-6896 size-medium" src="https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square-300x300.png" alt="As Chief Investment Officer (CIO), Sascha Kever oversees the development and implementation of Cornèr Bank’s investment strategy. " width="300" height="300" srcset="https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square-300x300.png 300w, https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square-1024x1024.png 1024w, https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square-150x150.png 150w, https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square-768x768.png 768w, https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square-1536x1536.png 1536w, https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square-400x400.png 400w, https://clanq.ch/wp-content/uploads/2026/06/SK-Portrait-square.png 2000w" sizes="(max-width: 300px) 100vw, 300px" /> As Chief Investment Officer (CIO), Sascha Kever oversees the development and implementation of Cornèr Bank’s investment strategy. Clanq: We’re currently seeing everything becoming more expensive. How can we ensure that our children’s savings will still be worth the same in 10 or 20 years’ time as they are today? Sascha Kever: Inflation – that is, the trend of rising prices – is gradually eroding purchasing power. You can no longer buy the same amount of food with 100 francs today as you could 20 years ago. For over a decade, interest rates in Switzerland have fallen to near zero and have even been negative at times. This pose…

Investing for children
type: item
creator: Christina Hammer
date: 2026-06-15T08:44:57Z
subject: Financial knowledge
description: Building wealth in the long term Der Beitrag Investing for children erschien zuerst auf Clanq.
encoded: Many parents in Switzerland start planning for their children’s financial future at an early stage. They save regularly, put money aside and think long-term. But one key question is becoming increasingly important: Is saving enough these days to build up real financial security? The short answer: often not. That is precisely why investing for children is becoming increasingly important. Why traditional saving is reaching its limits Saving is and always will be a key component of any sound financial strategy. Building up targeted savings provides security. However, when it comes to planning for the future, traditional saving has its limitations. Interest rates on savings accounts have been very low for years, whilst at the same time inflation means that money loses purchasing power over time. In practical terms, this means that even if the amount in the account remains the same, its real value decreases. This is a crucial point, particularly for families who wish to build up assets for their children over many years. Without growth, it becomes difficult to reliably finance long-term goals such as education or major purchases. Here are the three key tips to bear in mind when saving for your child. Investing for children: building wealth rather than just preserving it Unlike saving, investing offers the opportunity to actively put your money to work for you. This involves spreading your capital widely across the market, for example across a range of companies. The aim is to achieve a positive return over time. This approach is particularly exciting for children, as they have a crucial advantage: time. Those who start early benefit from the so-called compound interest effect over the years. This ensures that not only does the money originally invested grow, but the returns generated also in turn generate further returns. In this way, wealth is built up step by step – even if the monthly contributions are relatively small. The savings plan: the easiest way to invest For …

Why mothers play a key role in finances
type: item
creator: Christina Hammer
date: 2026-04-22T15:19:32Z
subject: Financial knowledge
description: Rethinking family finances Der Beitrag Why mothers play a key role in finances erschien zuerst auf Clanq.
encoded: I’ve spoken to lots of young mothers recently. Events like trade fairs are a fantastic opportunity for me to have face-to-face conversations. I’m sure I’ve spoken to at least 100 women aged between 25 and 35 about finances over the last few weeks. One thing in particular gave me pause for thought: Many women told me that their partner was mainly responsible for the family finances, or that they had to discuss financial decisions with him first. This is a wake-up call. Not because it is wrong to make decisions together – on the contrary. But because financial responsibility is still unevenly distributed, even in young families. Apparently, in many Swiss families, the topic of finances is delegated to the man – he takes the lead in dealing with insurance, investments and retirement planning. But blindly relying on someone else for long-term security is not a sustainable strategy for anyone. It is a risk. That is why mothers should actively engage with finances 1. Independence creates security Life cannot be planned. Whether it’s career changes, separation or unexpected events – having a clear financial overview isn’t just a «nice-to-have», but an important foundation for security and self-determination. 2. Shared responsibility strengthens the family Finances aren’t a «his» or »hers» issue – they’re a family issue. Open conversations about money create transparency, trust and better decisions. Family finances should be managed together. Here are our tips for managing money wisely. 3. Role models shape our children Children learn not through words, but through behaviour. When they see both parents managing money consciously, planning and making decisions, they develop a healthy relationship with finances from an early age. Remember: it’s not about doing everything perfectly. It’s about taking the topic of money out of the taboo zone and making it a natural part of your family life. How to lay the foundations for your family’s financial future today True partnership mea…

Clanq, the finance app for families
type: item
creator: Carina Felsberger
date: 2026-03-14T13:00:26Z
subject: News
description: Update 2026 Der Beitrag Clanq, the finance app for families erschien zuerst auf Clanq.
encoded: Since our successful launch in Switzerland in July 2024, we have been continuously refining the Clanq app. From the very beginning, our aim has been to provide families with a smart combination of everyday financial tools that make daily life easier. We now have a number of useful features that help us achieve this. How exactly? We’d like to explain that to you in this blog post. No money to save? You’re not alone… In fact, 60% of parents in Switzerland struggle to provide financially for their children. There aren’t large sums available to save, so the plan is simply put off until later. Yet even small amounts can add up to considerable sums over the years – if you just start saving early! And this is exactly where Clanq comes in: our app makes saving child’s play for parents, even before the child is born. How does Clanq work? Clanq is a Swiss family banking app that combines cashback savings with modern financial education. With every purchase made using the Clanq debit card, you get money back – between 1% and 25%, depending on the shop. The money goes straight into your child’s digital piggy bank. You can create multiple piggy banks and manage your financial goals clearly. How can I make saving a breeze? Many parents know the drill: you plan to put something aside each month, but everyday life gets in the way. With Clanq, it’s different because saving isn’t an extra effort – it happens automatically as you pay for everyday things. Thanks to the cashback system, a small percentage is automatically transferred back to your child’s digital piggy bank whenever you shop. Whether it’s the weekly shop or new children’s shoes – the balance grows steadily without you having to manually reallocate your budget. It’s a simple way to save for the future, showing that even many small amounts can build a solid foundation over time. Where does the name «Clanq» actually come from? The name says it all: Clanq is derived from «clan». We firmly believe that it takes a whole villag…

How children learn to save money through play
type: item
creator: Fabienne Saija
date: 2026-02-17T08:11:31Z
subject: Financial education
description: Achieving goals while having fun Der Beitrag How children learn to save money through play erschien zuerst auf Clanq.
encoded: «Can I have this? Please!» – All parents are familiar with this phrase. But in a world full of temptations, contactless payments and online shopping, how do you teach children the true value of money? The key lies not in complicated explanations, but in tangible experiences of success. Saving is more than just «putting money aside» Saving is one of the most important lessons in self-efficacy for children. When a child learns to resist an impulse (the little toy now) in order to achieve a bigger goal (the cool bike later), it strengthens their frustration tolerance and self-confidence. The following three steps are recommended for educational purposes: Visualisation: A savings goal needs a face. Whether it’s a photo on the fridge or digitally in a savings app, the goal must be clearly stated and visible. Specific goals: «For later» is too vague. «For a new skateboard for this summer» is a plan. Regularity: Small amounts that grow steadily show the child that consistency pays off. Keep it up! Here are a few more tips on what pocket money is all about. Mastering the transition to digital In Switzerland, we often pay by card or smartphone. When children only see their parents holding their mobile phone or a plastic card to a terminal, and it beeps, they lack a physical connection to the value. Money seems like an infinite resource that simply comes out of a device. To help children understand the concept of «invisible» money, a combination of haptics and apps can help them learn about finance. Despite the digital age, children initially need something real in their hands to get a feel for quantities and scarcity. This is exactly where our Clanq app solution comes in: with Kids Banking Lite, we offer a protected space where children can document their savings in digital «piggy banks» on their parents’ smartphones. This allows them to see exactly how their small fortune is growing on the screen. At the same time, they keep the same amount in real coins and notes in a phys…

Tasks – small helpers, big impact
type: item
creator: Fabienne Saija
date: 2026-01-15T15:01:10Z
subject: Financial education
description: How to succeed with household chores Der Beitrag Tasks – small helpers, big impact erschien zuerst auf Clanq.
encoded: Involving children in household chores from an early age is more than just a relief for parents. It’s a valuable lesson for life. By doing household chores, children learn to take responsibility, develop independence, and strengthen their self-esteem. To ensure that chores do not become a daily struggle, clear structures and the right attitude are crucial. As with many other parenting issues, you as a mother or father need to think in advance about what your goal is and how dealing with regular chores fits into your family. You can then discuss with your children what tasks need to be done and who will take on what. Not every household chore is a «task» Household chores, such as clearing away your own plate after a meal, shouldn’t be linked to rewards such as pocket money or media time. These are part of everyday family life. Additional tasks, such as cleaning windows or bundling newspapers, can be rewarded. Other possible tasks include setting the table, watering flowers, feeding pets, tidying rooms, replacing empty toilet rolls, emptying the dishwasher, etc. A list of tasks makes everything clear A task chart, which shows or lists what needs to be done, is particularly helpful for younger children. It provides clarity and a clear overview. I must admit that I have only ever used a task chart in my work as a teacher. In the classroom, it was a matter of course. At home, it was only when writing this blog that I consciously considered the concept of a task chart. Perhaps this is because I only have one child, and I have always involved him in household chores in an age-appropriate way from the very beginning. For me, the focus was on working together and setting an example of tidiness. My son is now nine years old, and it is becoming more and more common for him to want to cook, clear the table, or tidy his room on his own initiative. We’ll see whether this continues or changes as he gets older… Our tip: Kids Banking app In our Kids Banking app, parents can individu…

Christmas: Financial education during the festive season
type: item
creator: Christina Hammer
date: 2025-12-17T13:24:10Z
subject: Financial education
description: Children and the value of money Der Beitrag Christmas: Financial education during the festive season erschien zuerst auf Clanq.
encoded: The fairy lights are shining, the first gingerbread has been bought, and advertising everywhere whispers the same message: more is better. For your child, this is a confusing explosion of desires. For you as a parent, the pressure to resist this consumer frenzy often grows. What if Christmas suddenly feels more like a chore than a real treat? Your path to a mindful celebration At Clanq, we believe that Christmas is as unique as your family. It can also be simple, quiet, and, above all, loving. Of course, gifts are part of it – but the story behind them is much more important. Especially now, with the flood of gifts, it is clear how valuable everyday financial education is. Children often experience money as something abstract: card, app, click – and there it is. But when you talk together about wishes, budgets, savings goals, and decisions, money becomes tangible again – even digital money. Here are 7 tips on how children can learn to handle money. Savings goals instead of shopping stress Wishes need to be planned! Whether with a traditional piggy bank or digital aids such as Clanq Kids Banking Lite, when your child sees the saving barrel filling up and getting closer to their goal, they develop a real sense of responsibility. Those who save for a wish themselves experience the joy of having achieved it through their own efforts. This is not deprivation, but pure self-determination. It changes their attitude towards consumption in the long term. Our tip: Start the Christmas season with a family discussion. What is really important to us this year? What is our budget for gifts, and who do we want to give gifts to? This honest exchange creates closeness, helps your child set priorities, and understand compromises. The true value lies in the experience There are some things you can’t buy. Time spent together, experiences, and special moments are priceless and become the most beautiful memories. Shift the focus from having to experiencing. Christmas can sparkle – but it…

Children should gain their own experience with money at an early age
type: item
creator: Fabienne Saija
date: 2025-11-24T20:11:47Z
subject: Financial education
description: When is the best time to start? Der Beitrag Children should gain their own experience with money at an early age erschien zuerst auf Clanq.
encoded: Imagine this: your six-year-old child receives their first pocket money and rushes into the shop. Their goal: the giant LEGO dragon! What happens instead? They buy three tiny packets of chewing gum that are soft after ten minutes – and the dragon remains out of reach. The result: tears of realisation and an empty wallet. That’s exactly the point: these small, painful failures are worth their weight in gold! Because as long as the financial decisions are still manageable, it’s perfectly fine (and even important!) for your child to learn through trial and error. Failure with chewing gum is painful, but harmless. Failure with the first rent is more complicated. The right way to handle money is not innate, but a skill that everyone must learn. This includes setting priorities, budgeting and using money responsibly. Early experiences with money allow children to learn the consequences of bad decisions with small amounts before they have more serious consequences in adulthood. It is best for parents to give their children more and more responsibility in many small steps. And the earlier you start, the more small steps are possible. What does «early» mean? The age at which children should have their first experiences with money is very individual. Children are not all at the same stage at the same age, and not all parents think the same time is right. Although every child has their own pace – and you as a parent know best when your child is ready – you can use the following rule of thumb as a guide: We recommend systematically teaching children to take responsibility for their own money by the time they start school (around the age of 6) at the latest. At this age, children develop the necessary understanding of numbers and are mature enough to grasp the connections between desires, saving and spending. Start with small weekly pocket money amounts so that your child can learn to manage their own budget in short, manageable steps. This is what matters when it comes to pocke…

What is Financial Wellness?
type: item
creator: Christina Hammer
date: 2025-10-28T20:18:01Z
subject: Financial knowledge
description: Meaning and why it is important Der Beitrag What is Financial Wellness? erschien zuerst auf Clanq.
encoded: When you hear “wellness”, you might think of a relaxing day at the spa with soothing music. But unfortunately, financial wellness isn’t about bubble baths and massages (although we parents could definitely use that too). Instead, we’re talking about something that sounds less relaxing at first glance, but is just as beneficial in the long run: healthy financial planning. Financial wellness means that you have your finances under control so that they don’t cause you stress – and that can be a real game changer for parents. With all the things parents have to organise, plan and keep an eye on, financial health often takes a back seat. But this is exactly where the concept of financial wellness comes in: It’s about not just keeping your head above water in the short term, but leading a stable, stress-free financial life in the long term. This is essential for families in particular. Of course, financial wellness does not mean that you have to be rich. Rather, it’s about having control over your own money and making financial decisions with a sense of security. In short: money should not be a stress factor, but a tool that you can use to actively shape your future. Tip: Here you can find out how to monitor your budget. Why is financial wellness so important for parents in particular? As a parent, you are not only responsible for yourself, but also for your children. Financial worries can also have an impact on the family. If you regularly worry about bills, debts or unforeseen expenses, you will experience more stress – and this can put a strain on the whole family in the long term. A good financial basis means: More security: you are prepared for unforeseen events and can cushion financial bottlenecks. More freedom: You can offer your children more options – be it in terms of leisure activities, education or little extra wishes. More role model function: Children learn from their parents how to handle money. A conscious approach to finances lays the foundation for your…

Family budget: Yes or no?
type: item
creator: Christina Hammer
date: 2025-09-16T18:48:12Z
subject: News
description: Results of our qualitative survey Der Beitrag Family budget: Yes or no? erschien zuerst auf Clanq.
encoded: How do parents keep track of all these expenses? We wanted to find out more and asked Swiss parents. The answers to our qualitative online questionnaire reveal that every family has its own strategy, ranging from «no budget, we do it by feel» to using Excel spreadsheets and setting clear savings goals. Around half of parents have drawn up a budget Around half of the respondents did not have a family budget at the time of the survey in summer 2025. Some were planning to set one up soon, while others thought they could manage well without one. The reasons ranged from a lack of time to uncertainty about how best to draw up a budget. How to create a family budget! The other half already works with a budget. 46 % of them only update it when necessary, and 54 % use an Excel spreadsheet they have created themselves. Whether simple or detailed, the main thing is that it fits in with everyday life. Here are tips on how to monitor your budget. The biggest challenges Many parents report that the rising cost of living is a real burden. Unforeseen expenses also make planning difficult. One interviewee with two children (aged 10 and 12) said: «Meeting all the needs of every member of the family is difficult. Where do we save, and where are we prepared to invest money?» That’s why it makes sense to build a small nest egg into the budget – for repairs, medical expenses or other surprises. However, saving is also high on the list of frequently mentioned challenges. «Saving enough money for the children’s pensions and education worries me,» says one parent of three children (aged 8, 11 and 13). Good to know: This is what a child costs Don’t put off saving until later Is what I can save today enough for my children’s education or provision? One thing is certain: Many people underestimate how much even small amounts can add up to. 50 CHF per month adds up to over 10’000 CHF after 18 years – and significantly more with interest. That’s why it’s better to start small than not at all. It’…