Rethinking rental deposits between security and value loss

Why billions lie idle in deposit accounts and which solutions exist today.

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💰  CHF 15 bn: Total volume of all rental deposits in Switzerland (May 2025)

📉 −20 %: Real loss in value due to inflation

💸 CHF 2.6 bn: Estimated loss in purchasing power over the last ten years

 

Deposits cover risks but lose real value. This is economically and socially relevant.

How rental deposits have developed

 

A look at the past ten years clearly shows the potential of unused deposits:

+41 %

Development of the SMI

+28 %

Value growth of rental-deposit investments

+8 %

Rent development based on the Consumer Price Index (CPI)

−20 %

Inflation loss on traditional deposits

A look at the past ten years clearly shows the potential of unused deposits:

The idea: rental deposits as an investment vehicle

Modern solutions make it possible not just to block deposits, but to invest them securely and yield-oriented – in the interest of tenants and landlords.

Investment-based deposit

Keeps its value, generates returns, remains locked.

Insurance-based deposit

Maximum liquidity, but ongoing costs.

Hybrid solutions

Combine security and return components.

For tenants

The deposited capital can generate returns while still serving as security. This avoids opportunity costs and prevents the deposit from losing value over time.

For landlords

The deposited capital maintains its real purchasing power throughout the rental period. Depending on the model, participation in the performance is even possible, with full legal security.

Investment options for rental deposits

 

In collaboration with providers such as Depoformance, various solutions are emerging today that meet the needs of tenants, landlords, and homeowner associations.

Additional solution approaches

Temporary deposit solution

Helps secure liquidity during a move until the old deposit is released.

Flexible deposit format

Allows the combination of cash and insurance, flexibly adjustable and with a legally compliant blocked-account structure.

Insurance-based deposit

Ideal for maximum liquidity without tying up capital, while still offering full security for the landlord.

Fazit

Learn more or get in touch

Inflation doesn’t have to be the fate of rental deposits. With modern investment concepts, both tenants and landlords can benefit from value growth with full security and transparency. maison.work provides information on these possibilities and connects you with suitable partners such as Depoformance if desired.