The distribution depends on various factors. On the one hand you should have a reserve for 3 to 6 monthly expenses and on the other hand you should not invest money for planned expenses. Then the allocation depends on your risk profile. The higher your risk tolerance, the more money you can invest. For example, you can invest CHF 30,000 of your assets and leave CHF 20,000 in your savings account. That way you have invested your assets 3:2. With our practical guide, you can find out how to divide your assets.