Conditions of participation

Participation in the “Passive retirement funds launch” promotion organized by PostFinance Ltd, Mingerstrasse 20, 3030 Bern (“PostFinance”), with a prize draw for 10 x 500 francs, is governed by the following conditions. By creating a fund order for a passive retirement fund of at least 500 francs during the promotional period, the following conditions of participation are accepted.

  • All PostFinance private customers domiciled in Switzerland who have a PostFinance private account (“customers”) are eligible to take part.
  • Customers who, during the issue period (“promotional period”), i.e. between 18ˆAugust 2025 and 26 September 2025 (subject to any extension of the issue period), create a fund order of at least 500 francs for one of the following retirement funds will automatically be entered into the promotion: PF Pension – Passive 25 Fund, PF Pension – Passive 50 Fund, PF Pension – Passive 75 Fund, PF Pension – Passive 100 Fund
  • Fund orders for other existing PostFinance retirement funds (namely, PF Pension - ESG 25 Fund, PF Pension – ESG 50 Fund, PF Pension – ESG 75 Fund and PF Pension – ESG 100 Fund) do not entitle customers to entry into the promotion.
  • A fund order of at least 500 francs must be placed for one of the retirement funds listed above. Dividing the amount between several fund orders or retirement funds does not entitle customers to entry into the promotion. 
  • The fund order must be placed by 26 September 2025.
  • The investment of at least 500 francs is entered as a purchase order during the issue period and is executed at the issue price (100 francs per share) only upon expiry of this period. Until then, the capital remains in the relevant retirement savings account and will not be exposed to any market risk.
  • At the end of October 2025, customers who meet the aforementioned requirements will be entered into a random prize draw for a chance to win 10 x 500 francs. This draw will be closed to the public.
  • Each customer may take part in the prize draw just once per customer file for a chance to win 10 x 500 francs in total, or 1 x 500 francs per customer.
  • The winners will be informed by post. The prize will be transferred to the winners’ private account and cannot be transferred to third parties. If the winners have several private accounts, PostFinance shall determine which account the amount will be credited to. No cash prizes will be awarded.
  • The winners have the right to refuse the prize. In such cases, winners must contact our Customer Center on +41 58 448 14 14. Prizes that have been refused will be drawn again from the eligible participants once the repayment has been processed.
  • PostFinance may modify these conditions of participation at any time. PostFinance reserves the right to terminate the prize draw at any time without advance notice and without giving a reason. In the event of suspected fraud, misuse, violation of these conditions of participation or other such conduct, PostFinance may exclude individual customers from the promotion without stating reasons. If participants are excluded or if the prize draw is discontinued, there will be no right to claim for payment or compensation.
  • To the extent permitted by law, PostFinance excludes any liability in connection with the competition.
  • No correspondence will be entered into about the promotion, and there is no right of appeal.
  • Customers acknowledge that the “Passive retirement funds launch” promotion does not constitute an invitation or recommendation to purchase certain investment services or financial instruments. The promotion does not take into consideration the specific or future investment goals, financial or tax situation or particular needs of any specific customer and is therefore not a suitable basis for investment decisions. The price, value and return of investments may fluctuate. Investment in financial instruments is subject to certain risks and does not guarantee the retention of the capital invested or an increase in value. All investment services and financial instruments provided by PostFinance are unavailable to US persons and other persons whose domicile or tax liability is outside of Switzerland and will therefore neither be offered nor sold/provided to them.

Frequently asked questions

  • No, you can take part in the prize draw a maximum of once per customer relationship if you invest in one of the four new passively managed retirement funds between 18 August 2025 and 26 September 2025. You must pay in the investment amount of at least 500 francs and invest the capital by 26 September 2025.

  • The offer applies per customer relationship. To take part in the promotion, you need a retirement savings account 3a to purchase retirement funds. More information on the individual products and factsheets on investment solutions can be found at www.postfinance.ch/retirementplanning-information.

  • Yes, the promotion applies to both individual purchases and funds saving plans. For funds saving plans, the cumulative sum of at least 500 francs applies during the promotional period.

  • No, in order to be eligible for the promotion, you may not divide the amount between different retirement funds in issue. You must pay at least 500 francs into a single passively managed retirement fund as an individual investment or funds saving plan so that you can take part in the prize draw.  

  • The sum paid in/purchased at the time of the investment is what is relevant. Subsequent market fluctuations are not taken into account.

  • The sum paid in/purchased at the time of the investment is what is relevant. Purchases and custody account management of fund units are free of charge for a retirement savings account 3a.