[nixgeek]

Even products like High APY savings accounts are under 1% at the moment, so 50% into a Swiss account is unlikely to provide a large return. Also, why Swiss, and what currency would you hold in that institution?

One thing to consider is protections against any one financial institution having liquidity issues or folding — with the US and something like a savings account this would be FDIC Deposit Insurance, which covers $250k per depositor, per FDIC-insured institution.