For parents in Switzerland · CH

Start quietly.
Build something extraordinary.

Pennling is a learning studio where parents in Switzerland understand investing — so they can begin shaping their children's financial future from day one, with clarity and a long view.

CHF 100
Monthly · birth to age 18
Then simply left to grow
65 yrs
Of compounding
from birth to retirement
100%
Independent,
ad-free, no selling
Illustrative scenario · CH
CHF 100 / month from birth to 18
CHF 43K
Value at age 18 · 7% p.a. assumed
Year 0 Age 18
Paid in
CHF 21.6K
At age 65
CHF 1.04M
Monthly 65+
CHF 6,900
vs. AHV max
2.7× higher
Horizon
95 yrs
Swiss ETFsPillar 3aYouth savingsWealth transferCompound growthInheritance advancesVIAC · Finpension · FranklyTax planningCustody accountsFinancial literacy Swiss ETFsPillar 3aYouth savingsWealth transferCompound growthInheritance advancesVIAC · Finpension · FranklyTax planningCustody accountsFinancial literacy
01 / Why Pennling
Most parents in Switzerland save for their children — few invest for them. The difference, over eighteen years, is not small. It is the difference between a head start and an inheritance; between a savings account that barely keeps up with rent and a portfolio that quietly builds a life of options. Pennling exists to close that gap — patiently, without jargon, and with a clear Swiss lens.
02 / Signature seminar

Begin where the lesson is largest.

The Library

Everything a parent in Switzerland
needs to begin.

Browse all topics →
Featured · Fundamentals / 01
The Power of Time — the quiet mathematics that makes small contributions extraordinary.
A full seminar, built around one question: what if the most valuable gift you give your child has nothing to do with toys, schools, or inheritance — and everything to do with starting very small, very early, and leaving it alone?
Read the seminar →
Practical / 02
Opening an investment account for a minor in Switzerland.
A step-by-step guide to custody accounts for minors, youth savings accounts, and who can actually buy ETFs in your child's name across major Swiss banks and brokers.
Read →
Platforms / 03
VIAC, Finpension, Frankly — compared for parents.
Switzerland's three main digital investment platforms, rated for fees, flexibility, and suitability for an 18-year horizon set up on behalf of a child.
Read →
Fundamentals / 04
Swiss ETFs in plain language.
CHSPI, VWRL, VT and why a boring, broadly diversified index fund beats almost everything else over two decades. Ticker symbols demystified.
Read →
Planning / 05
What will ETH, EPFL or UZH cost in 2045?
Projecting tuition, housing and living costs forward eighteen years, then working backwards to a realistic monthly savings target per canton.
Read →
Tax & law / 06
Gifting to children — lifetime gifts, inheritance advances, and the rules parents miss.
How Swiss gift tax, cantonal rules, and inheritance-advance mechanics affect money invested in a child's name. When to hold it in yours instead.
Read →
Context / 07
AHV — a reality check.
The average Swiss pension pays CHF 1,260–2,520/month after a full career. What that actually buys in 2050 — and why private provision is no longer optional.
Read →
Education / 08
Teaching kids about money — age by age.
From the first pocket money at six to their first index-fund purchase at sixteen. Practical conversations, real examples, Swiss-specific context.
Read →
Growth calculator

See what patience
actually builds.

The most powerful tool for a parent is understanding what time does to small, consistent amounts of money. Pennling's calculators show the curve — from first franc to retirement income.

Open the full calculator →
Quick estimate · CHF 100 / month
Monthly contributionCHF 100
Contribution years18
Total paid inCHF 21,600
Assumed return7% p.a.
Value at age 18~CHF 43,000
Value at age 65
left untouched, no further contributions
~CHF 1.04M

Illustrative. 7% annual nominal return compounded monthly. Not financial advice.

Tools & resources

Calculate. Compare.
Decide.

03 / Community

Parents helping parents.

MR
Manuela R., Zürich
Just opened a custody account at Swissquote for our 4-month-old. Went with a global index tracker — fees were the deciding factor. Does anyone else track progress quarterly?
AK
Andrea K., Basel
Three years in. Started at CHF 150/month at birth. Just hit CHF 6,400. On track for roughly CHF 65K at 18 if we hold the line. Sharing for anyone who needs the motivation — you can do this.
MD
Marco D., Bern
For parents in BE/ZH/VD: how are you handling gift tax on larger one-off contributions to the child's portfolio? Our accountant says cantonal thresholds differ wildly.

A community, not a comment section.

Parents sharing what actually works — no selling, no advice fees, no affiliate noise. Discussion threads organised by canton and child age.

Early
Founding stage
CH
Switzerland only
Free
Always
Ad-free
Independent
Join the community →
04 / The founder

Pennling was founded by Sabina Jasinski — a finance professional who built her career in corporate financial management and international treasury before becoming a mother.

A CFA Level I candidate with experience in corporate financial management and a further year in treasury at an international corporate group, Sabina built Pennling because the knowledge gap she saw in her own circle was striking: highly educated parents — doctors, lawyers, engineers — who understood their profession deeply but had never been taught how investing actually works. The education never came. The consequence: years of compounding quietly lost.

Pennling is the resource she wished existed when her son was born. Independent, calmly written, rigorously researched, and entirely focused on the long view that parents have — and the children who benefit from it.

CFA Level I Candidate 10 yrs · Corporate Finance Treasury · International Group Investments Mother
05 / Seminars

The full programme.

New seminars publish roughly once a month. Subscribe to the weekly letter below to be notified as each goes live.