Investment Fund Savings Plan

Build wealth easily and systematically over time. With attractive return opportunities.

Systematic wealth accumulation

Low risk through diversification

Attractive long-run return opportunities

No charge to buy and sell fund units

How Investment Fund Savings Plans Work

The Investment fund savings plan is a way of investing in investment funds. With it, you can regularly invest a certain amount from your personal account in the Investment fund savings plan.

Invest regularly

Regularly buying fund units averages out the purchase price. That minimizes the risk of investing at the wrong time.

Find the right product

Which Investment fund savings plan is right for you? It depends on your risk tolerance and return expectations. The return varies depending on the investment fund you choose.

Choose from two options

Fixed and flexible. Our Investment fund savings plan comes in two different styles. We’ll help you pick the option that suits your needs best.

Our Investment Fund Savings Plan

Initial deposit

The initial deposit is at least CHF 100 (or EUR/USD 125).

Savings contribution

You decide how often and how much to contribute. The minimum amount per period is CHF 100 (or EUR/USD 125).

Availability

Fund units can be redeemed at any time.

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Choose Your Savings Scheme

Fixed. The consistent solution

You regularly invest a fixed savings contribution of at least CHF 100 from your Private account in the Investment fund savings plan, as long as the account has the necessary credit balance on the execution date.

Flexible. The individual solution

You decide how much you want to save and when. We open a free account for you that directly invests any credit balance of CHF 100 or more in your Investment fund savings plan.

Opening an Investment fund savings plan for new clients

Call our Customer Service Center at 0848 880 844.

Opening an Investment fund savings plan for existing clients

Get in touch with your Relationship Manager or call our Customer Service Center at 0848 880 844.

You can also open the fixed Investment fund savings plan conveniently and easily in your online banking.

Collective Investing

The Investment fund savings plan is a way of investing in investment funds. Money invested by multiple investors is pooled to form the assets of a fund. These assets are invested in a range of asset classes, such as money market investments, bonds, equities or real estate.

Active fund management

Investment funds are actively managed. In other words, experts make concrete investment decisions within certain constraints (investment strategy).

Low risk

Diversification keeps the risk of loss low. If the fund company declares bankruptcy, investors will be entitled to their assets.

Manifold opportunities

Investment funds let you invest in otherwise inaccessible markets and participate in market movements with even small investments.

Assess Risks

You can earn superior returns with investment funds. But every opportunity carries risk. Educate yourself about the possible risks of investment funds.

Potential loss

Prices can fluctuate. If you invest in an investment fund, the fund’s value may fall below its original purchase price. However, the risk of total loss is relatively low because the risk is spread over a large number of underlying assets.

Market risk

Investment funds invest in different markets. Interest rates and prices for equities, currencies and commodities may fluctuate. This may cause the fund to decline in value during the investment holding period. This risk falls to the investor.

Foreign exchange risk

There is a foreign exchange risk whenever investment funds are not denominated in the investor’s home currency because exchange rate fluctuations can change prices. The risk of loss falls to the investor.

Tracking risk

Investment funds charge management fees. The fees may lower the return below the underlying benchmarks or indexes.

Liquidity risk

The liquidity of an investment fund is determined by the liquidity of the assets it holds. If these underlying assets become illiquid, the fund may suspend fund unit redemption. The fund may also be liquidated in certain circumstances.

Other risk factors

At funds, the investment decisions are made by fund managers. It is not possible to influence their decisions.

Our Savings Solutions Side by Side

If you save, you’re thinking ahead. We’ll give you several easy and convenient ways to prepare for the future. Discover our savings solutions. For adults. For young people. And for children. Choose security with our Savings accounts or pursue attractive returns with our Investment fund savings plans.

Savings account

Competitive interest rate
Easy and safe savings vehicle
No account management fees
Cash Service card for deposits and cash withdrawals

Find out more