E-asset management

You delegate, we deliver

Don’t have the time or inclination to invest? With e-asset management, you can sit back and relax. Our team of investment experts will make your investment decisions for you and keep track of trends on the financial markets.

E-asset management: delegate investment decisions

  • Delegate your investment decisions to PostFinance’s experts

  • Initial investment from just CHF 5,000

  • Individual investment focus: Swiss, Global or Sustainability

  • An attractive range of funds and exchange traded funds (ETFs)

  • Explore how you can set up the e-asset management investment solution online and get an overview of the most important functions:

    Based on your personal investor profile, your investment term and your chosen investment focus, we propose an individual investment strategy for you. This sets out and defines the ratio of different asset classes (liquidity, bonds, equities, alternative investments) and the ranges (bandwidths) within which they can move. You choose an individual investment focus to reflect your personal preferences in your portfolio.

    Our market view is incorporated into your e-asset management based on current market developments and your investment strategy. You can rely on our investment experts to monitor and implement your investment strategy. From analysing the market environment to investing in our investment universe: our structured investment process ensures that your portfolio is always invested optimally and in accordance with your individual investment strategy.

    This graphic explains the investment process for investment consulting plus: based on your personal investor profile, your investment term and your chosen investment focus, we suggest your individual investment strategy. This sets out and defines the ratio of different asset classes and the ranges within which they can move. Our house view is incorporated into your investment solution based on current market developments and your investment strategy. You can rely on our experts to monitor and implement your investment strategy. From analysis of the market environment to investing in our investment universe. Our structured investment process ensures that you receive an appropriate investment recommendation in investment consulting plus.
  • Consulting and service

    In e-asset management, we monitor your portfolio on a daily basis in line with the agreed investment strategy. In this way, we ensure that your portfolio is adapted to the relevant market environment as effectively as possible.

    Upon request, you can benefit from the advice of our expert investment consultants. In your e-finance, you also have the option to view your portfolio and performance at any time and, if necessary, adapt your investment strategy or change the chosen investment focus.

    Funds saving plan

    You can increase the amount you invest at any time in e-asset management. You can choose between a one-off transfer and a standing transfer order. You can set up a savings plan using the “Standing transfer order” function.

    Our market view

    PostFinance’s investment committee analyses current market developments in detail to determine positioning. Adjustments based on market developments are implemented as part of your investment strategy. We ensure that any decision we make is in our customers’ interests, and we convey our positioning transparently in our monthly publication investment compass.

  • Investment is a personal matter. Set your own personal priorities and choose your individual investment focus: Swiss, Global or Sustainability.

    Swiss: a portfolio with a strong domestic focus

    If you set your focus to the domestic market without neglecting diversification, you will benefit predominantly from the development of the Swiss market.

    Global: the best the world has to offer

    If you opt for a diversified global investment, you will benefit from differing economic cycles, interest rate levels and currencies.

    Sustainability: informed investment

    To invest more socially and ecologically, take into account environmental, social, and governance (ESG) criteria relating to the environment, society and responsible corporate management.

    Further information on the investment process

    In the video, find out how our market view is formed and incorporated into e-asset management in line with your investment strategy.

    By carefully selecting and systematically checking each investment instrument, we provide you with an attractive investment universe. When selecting these instruments, we only consider actively and passively managed funds with no sales remuneration, as well as exchange traded funds (ETFs).

  • Service fee
    0.75% p.a. on the investment assets incl. investment account
    Price per year. Service fee on the average invested assets including investment account
    0.75% from CHF 0 p.a.
    0.70% from CHF 250,000 p.a.
    0.65% from CHF 500,000 p.a.
    0.60% from CHF 1 million p.a.
    Sales remuneration
    None
    Minimum investment amount (initial investment and redemption)
    CHF 5,000
    Minimum amount (follow-up investment)
    From CHF 0
    Standing transfer order (savings plan)
    From CHF 0 at regular intervals (monthly, twice a month, every two months or quarterly)
    Please note that investment amounts of up to CHF 2,000 are generally only invested as part of the next rebalancing.
    Securities deliveries to third-party banks
    Not possible

    More information on fees

    • The investment strategy is based on your defined investor profile, which takes account of your preferred investment term and your risk appetite and capacity. At PostFinance, five possible investment strategies are used.

      The link will open in a new window Investment process for e-asset management (PDF)

    • This is determined by how much risk you are willing to assume (risk appetite), the financial loss you are able to sustain (risk capacity) and what your preferred investment term looks like.

    • Yes. You can change your investment strategy at any time via e-finance or with an advisor.

    • You can view your portfolio and its performance at any time in your e-finance.

    • The minimum investment amount (initial investment and redemption) is CHF 5,000.

    • Yes. Outpayments are possible, but they should fit the investment strategy.

    • Based on standard market comparative values and current market developments, the use of costs is set regularly in relation to the expected return.

This might interest you too