Invest with funds

A fund investment can make your money work for you in a more targeted way. While saving accounts often generate little interest at present, funds offer access to global markets with long-term growth potential. You invest in securities – from shares and bonds to real estate funds. This will help you to protect your assets against inflation and create a basis for building up your assets.

Yes, a funds saving plan is ideal, especially for investment novices. Even with small amounts– e.g. as little as 20francs a month– it is possible for your assets to grow gradually. The advantage of regular investment and broad diversification is that market fluctuations and risks are reduced. In addition, you can benefit from the compound interest effect over the long term More information Returns from your fund investment are automatically reinvested and can generate returns themselves if prices are favourable..

Whether it’s funds actively managed by experienced fund managers or passively invested ETFs/index funds, we offer transparent cost and fee models for your custody account.

This depends on how long you invest for, how much risk you take and what you want to save up for. At PostFinance, you’ll find funds tailored to your personal interests, different strategies and investment goals – from lower-risk bond funds to broadly diversified mixed funds and growth-oriented equity funds.

A funds saving plan for children is an easy way to build up assets over the long term – for instance, for education or studies. Grandparents and other family members can also choose from over 50 funds. This also includes funds that pursue sustainability goals or incorporate aspects of environmental, social and ethical corporate governance (ESG).

Nothing can offer absolute security. In times of crisis, certain funds focusing on gold, for example, can benefit from negative sentiment on the financial markets. Diversified investment funds or currency-hedged funds can also help to cushion risks in uncertain times.

However, good diversification and a long investment horizon are still what matter most.

Absolutely! Some funds allow you to invest in companies that take account of environmental, social and ethical (ESG) criteria. There are also some funds that pursue sustainability goals (e.g. thematic funds with a focus on climate or water). These not only allow you to benefit from potential returns, but also to incorporate sustainability-related aspects into your investment decisions.

Passive funds such as ETFs or index funds track a reference index – such as the SMI or MSCI World – and usually have lower fees.

Actively managed funds are managed by professional fund managers. You choose investments yourself with the aim of exceeding the performance of indices. You use your own knowledge and experience to try and “beat the market”.

Both options come with advantages and disadvantages in terms of costs and returns.

Because the right investment strategy doesn’t just depend on return-related factors, but also on your own personal circumstances and aspirations. Based on your personal investor profile, your planned investment term and other factors, we recommend an investment strategy and show you suitable investment proposals.