Take a month where the business earns CHF 5,000 after expenses and set-aside for taxes. The automaton's first move is deliberate boredom: it multiplies by 30%. CHF 1,500 leaves the business; CHF 3,500 stays as working capital. Months with zero or negative profit route nothing at all — the system is built to survive bootstrap years.
The CHF 1,500 then splits 40/60. CHF 600 goes to the Swiss Pillar 3a — tax-advantaged, and capped by the annual ceiling, so any overflow automatically joins the other leg. CHF 900 goes to the brokerage, where it buys whole shares of one broad global ETF, at a limit price, no leverage, no derivatives, no cleverness.
Before any of this moves, two gates close the loop. The compliance guard checks the private-investor rulebook: holdings kept at least six months, yearly trading volume kept under five times the portfolio, margin and short selling simply impossible. Then the Nexus shows the request in plain language and waits. A human reads “Request: invest CHF 900.00 into VWRL as a whole-share limit order”, and types the approval phrase — or doesn't, and the money stays put.
Repeat this for twelve decent months and the business has quietly built a six-figure habit: not a get-rich scheme, a get-inevitable one. The point was never to beat the market. The point was to make saving and investing the default path of least resistance — while a human remains, permanently, the shortest path to “no”.