Invest well for a life well spent

• The "Duo Sav­ing" offer com­bines sav­ings with a fixed in­terest rate and fin­an­cial mar­ket in­vest­ments with at­tract­ive re­turn op­por­tun­it­ies. This means you can achieve a bal­ance between sta­bil­ity and growth.
• The "Duo Sav­ing" offer ap­plies to amounts you in­vest in a fixed-​term de­posit and an in­vest­ment solu­tion.
  
• The min­imum de­posit for eli­gib­il­ity for the "Duo Sav­ing" offer is CHF 20,000. Half of your de­posit is in­ves­ted in a fixed-​term de­posit and half in an in­vest­ment fund sav­ings plan or a "Credit Suisse" dis­cre­tion­ary man­date.

Fixed-​term de­posit com­pon­ent

• The min­imum sum for the fixed-​term de­posit is CHF 10,000, while the max­imum is set at CHF 250,000. Higher amounts are not eli­gible for the "Duo Sav­ing" offer.
• The fixed-​term de­posit earns in­terest at a fixed in­terest rate of 1 % per year and has a fixed term of 12 months. Dur­ing this period, the in­terest rate of 1 % is guar­an­teed. Shorter terms are not pos­sible in the con­text of the "Duo Sav­ing" offer.
• In ad­di­tion to the terms and con­di­tions of the offer, the con­di­tions of the stand­ard fixed-​term de­posit apply, in par­tic­u­lar:
  • Time de­pos­its are in­ves­ted with a fixed amount at a fixed in­terest rate for a spe­cific term. With­draw­als and early ter­min­a­tion are not pos­sible. The in­ves­ted cap­ital is not avail­able to you dur­ing the in­vest­ment period.
  • The pre­requis­ite for a time de­posit is a cur­rent ac­count that you main­tain with us as part of your ex­ist­ing cli­ent re­la­tion­ship. After the term has ex­pired, and in the ab­sence of a new fixed-​term de­posit being con­cluded, your money will be trans­ferred to the as­so­ci­ated cur­rent ac­count. The in­terest is cred­ited to your cur­rent ac­count upon ex­pir­a­tion.
  • No ad­min­is­tra­tion fees are charged; with­hold­ing tax amounts to 35 %.

In­vest­ment com­pon­ent

• The min­imum de­posit for the in­vest­ment solu­tion must equal that of the fixed-​term de­posit (at least CHF 10,000, or equi­val­ent). No max­imum de­posit amount ap­plies.
• With your in­vest­ment com­pon­ent, you par­ti­cip­ate in the de­vel­op­ment of the fin­an­cial mar­kets and be­ne­fit from at­tract­ive re­turn op­por­tun­it­ies.
• As an in­vest­ment solu­tion, you can choose either the in­vest­ment fund sav­ings plan (fixed or flex­ible) or a "Credit Suisse" dis­cre­tion­ary man­date.
• The in­vest­ment fund sav­ings plan can be con­cluded via Sav­ings+ or via the CSX app "CSX In­vest". You can also con­tact your ad­vis­ory team or your per­sonal ad­visor. To in­vest in a dis­cre­tion­ary man­date, please con­tact your per­sonal ad­visor. The min­imum amount for a dis­cre­tion­ary man­date is CHF 100,000 (or equi­val­ent) and de­pends on the man­date solu­tion se­lec­ted. The terms and con­di­tions for fund sav­ings plans / dis­cre­tion­ary man­dates like­wise apply.
• If you already have an in­vest­ment fund sav­ings plan or a dis­cre­tion­ary man­date, you must make a fur­ther in­vest­ment of at least the same amount as the fixed-​term de­posit (in­crease in in­vest­ment amount). Pre­vi­ous in­vest­ments do not count as part of the "Duo Sav­ing" offer.
• In the ab­sence of ter­min­a­tion by the cli­ent, the in­vest­ment fund sav­ings plan or dis­cre­tion­ary man­date will re­main in place when the term of the time de­posit ex­pires after 12 months.

• For private in­di­vidu­als dom­i­ciled in Switzer­land
• Age 18 and above
• Cur­rency CHF (only valid for fixed-​term de­posit)