FINANCIAL LITERACY · FROM SWITZERLAND
The money is there.
The confidence isn’t — yet.
Learn money. Live freely.
Free · in English and German
Nobody really teaches us how to manage money. So we guess, postpone, or hand it to someone else without really understanding it.
Monetracy makes money simple — from money mindset and budgeting to investing with confidence.
THE CHALLENGE
Sounds familiar?
None of this is a lack of intelligence.
It’s a lack of teaching.
“I keep meaning to plan for retirement. It’s just never the right moment.”
“I earn well, but at the end of the month
I’m not sure where it all went.”
“My savings sit in an account because investing feels like a guess.”
We believe everyone can gain the confidence and freedom that come from financial wellbeing — not just the wealthy few.
Managing money is one of life’s most common challenges — and yet it’s rarely something we’re truly taught to master. Too many people feel overwhelmed by complexity, unsure whether they’re making the right choices, or simply don’t know where to start — even when the money is there.
WHAT WE TEACH
Money is a skill.
Here’s how we teach it.
01
Money mindset
How you think about money shapes every decision you make with it.
02
Budgeting and cash flow
Know where your money goes — and decide where it should go.
03
Saving and pensions
From an emergency fund to retirement, built step by step.
04
Investing and ETFs
Our deepest expertise, explained plainly.
WHY LISTEN TO US
Deep expertise. Independent judgement.
Working on your side of the table.
We spent our careers inside the industry, so we know how financial products are built, priced and sold. Today, no head office or sales target shapes our view — we answer to you.
25+ years
inside the investment industry
CAIA
Charterholders
Bern, Zurich, London & Lima
Professional & entrepreneurial experience with a Swiss base and an international perspective.
HOW WE WORK
We explain, share our honest read, and respect that the decision is yours.
When you want our judgement applied to your own situation, we work for you — and only for you.
BlackRock, BNP Paribas, UBS
Where we built our careers: private banking, asset management and ETFs
HOW TO START
Three small steps.
Start wherever you are.
STEP 1 · FOLLOW
The basics, a few minutes at a time
Money mindset, practical tips and jargon decoded on Instagram — in German and English.
Follow @monetray_swiss ➙
STEP 2 · READ
Go deeper, with All You Can ETF
The ETF world moves fast: stories, providers, deep dives. Subscribe free and receive our Landmark Benchmarks Guide as a welcome gift.
STEP 3 · BRIDGE YOUR LIMITS
Act with confidence. On your own terms.
Freedom isn’t a number. It’s a life built around what matters to you. Aarbay, our independent wealth architecture in Bern, designs it with you.
Talk to Aarbay ➙