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Old 04.04.2021, 22:14
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Re: Buying an apartment with cash, implications

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That's a valid point. I doubt I will change my mind, but if I do, wouldn't it be possible to rent the apartment through an agency and use it as a passive income generating asset? I'm under the impression that it is quite common in Switzerland to have an agency take care of the entire rental process for property owners?
Yes, it's possible. But the (already low) yield would be heavily affected by the costs of the agency, here anything involving a human coming to your property in person costs a lot of money.

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I have to invest my money somewhere anyway and I believe I would be comfortable having a large part of my wealth into Swiss real estate instead of letting everything in assets vulnerable to inflation or in the stock market.
Go with whatever makes you feel comfortable. But also consider educating a bit yourself on the topic. Investing in the stock market is not (necessity) gambling and allows you to easily and greatly diversify your portfolio, while if you put all your eggs in the same basket you'll have a single point of failure.

Since you brought up inflation (not really a problem these days), in that sense it'd be better to have a mortgage since your debt will be worth less in the future than it is today.
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