Invest with a saving plan

With a saving plan, investors can invest on a regular basis and benefit from market activity in the long term – easily and automatically.

Set up now

In short: how does a saving plan work?

Find out more in the video – with the example of a funds saving plan.

Investing regularly – easily and automatically

As easy as a standing order: with a saving plan, you invest regularly and automatically in financial markets.

Offset risks automatically

With a saving plan, you can benefit from the cost averaging effect in the long term.

How the “cost averaging effect” works

It’s automatic: with a saving plan, you buy more units if the market price is low, and fewer if the market price is high. Over time, this results in an average purchase price.

The effect: when prices are low, you automatically invest in more units, and when they are high, you invest in fewer.

Find out more about the cost averaging effect in the blog post “Opportunities for long-term asset growth? The cost averaging effect can help”.

This example explains the cost averaging effect: with a funds saving plan, fund units are purchased six times at different prices over a certain period of time. The higher the price, the fewer units are bought. The lower the price, the more units are bought. This compensates for price fluctuations over time.

In summary: your automatic savings aid

Once set up, a saving plan does the work for you. Saving plan assets grow with each inpayment. Thanks to the cost averaging effect, market fluctuations can be compensated for over time.

Saving made easy – get started now.

Set up now

How you benefit from a saving plan

  • Start with small sums

  • Benefit from the cost averaging effect

  • As convenient as a standing order

  • Decide the frequency yourself

Your own saving plan in just a few steps

Do you already use a PostFinance investment solution?

Perfect: you can get started right away.

Step 1: Select funds, ETFs or cryptocurrency

  • Select the right securities from your investment solution’s range
  • Get access to the securities range below in the comparison table

Step 2: Set up a saving plan

  • In the comparison table, click on “Set up” to get started with your saving plan

Step 3: Sit back and let your money do the work

  • Track the performance of your investment in e-finance or the PostFinance App
  • You can modify your saving plan or delete it at any time
Saving plan with Fund self-service

Saving plan with

Fund self-service

Invest from 20 francs
  • Select from 15 PostFinance Fonds and more than 40 third-party funds
  • Fees: from 0.5% issue commission 
Set up a saving plan Saving plan with Fund self-service, Set up a saving plan Fund range Saving plan with Fund self-service, Fund range
Saving plan with Retirement savings account 3a

Saving plan with

Retirement savings account 3a

Invest from 1 franc
  • Select from 4 retirement funds
  • Free purchase and redemption
Set up a saving plan Saving plan with Retirement savings account 3a, Set up a saving plan Retirement funds Saving plan with Retirement savings account 3a, Retirement funds
With e-trading ETF saving plans

With e-trading

ETF saving plans

Invest from 1 franc
  • Select from over 100 ETFs
  • Fees: free trades with trading credits 
Set up a saving plan With e-trading ETF saving plans, Set up a saving plan ETF range With e-trading ETF saving plans, ETF range
With your crypto portfolio Crypto saving plan

With your crypto portfolio

Crypto saving plan

Invest from 50 US dollars
  • Select from 16 cryptocurrencies
  • Fees: 0.95% on the trade amount
Set up a saving plan With your crypto portfolio Crypto saving plan, Set up a saving plan Range of cryptocurrencies With your crypto portfolio Crypto saving plan, Range of cryptocurrencies

You don’t have an investment solution yet?

You don’t have a PostFinance investment solution yet? Or you would like to expand your investment options?

  1. Compare investment solutions now with saving plans in detail
  2. Subscribe to the investment solution of your choice directly in e-finance
Compare investment solutions

Who is investing with a saving plan actually suitable for?

A saving plan is perfect for anyone who regularly saves small and large amounts and who wants to get more out of their money.

Regardless whether it’s for training, a dream holiday or your children’s future: with our various investment options, you can find the right saving plan for your own circumstances.

What goal do you want to pursue?

Set up a saving plan

Done in just a few minutes.

Start now

Consultation on financial investments

Get more out of your money and find the right financial investment for you in a consultation with one of our experts.

Questions and answers

  • If you use fund self-service or you wish to subscribe to it, you can set up the funds saving plan without e-finance via the “Purchase funds online form”.

    Do you use a retirement savings account 3a and want to set up a funds saving plan with retirement funds? Fill out the following form, sign it and send it to PostFinance Retirement Savings Foundation 3a, P.O. Box, 4002 Basel

    The link will open in a new window Fund order for retirement savings 3a (PDF)

    We recommend e-finance to you so you can manage your investments and accounts digitally with ease.

  • A saving plan can result in various costs that differ by product.

    Useful to know: our retirement funds do not generate any purchase, redemption or custody account management fees.

    Typical fund saving fees are:

    • Issue commission: costs for purchasing units, often per transaction or as a percentage decrease
    • Management and custody account fees: annual management and custody account fees may be payable for funds
    • Spread costs: when it comes to ETFs, there is a difference between purchase and sales price (known as a “spread”) that can have an impact on return

  • Yes, saving plans are flexible and can be modified or terminated at any time.

    • Modifications: you can modify your payment amount or pause the saving plan
    • Selling the investment: you can redeem the units at any time

    Tip: check before you sell whether a temporary pause might be a better option for you.

  • Depending on the product, you can adapt your saving plan to your needs:

    • Choice of product: select from ETFs, actively managed funds, cryptocurrencies and retirement savings products
    • Regular savings amount: you can decide on how much your regular inpayment will be and modify it flexibly
    • Withdrawal plans: some investment solutions allow you to set up withdrawal plans in case you want regular payouts later on

  • A saving plan comes with various risks that can be avoided with smart strategies:

    • Market risk: the prices of ETFs, funds and cryptocurrencies fluctuate. A long-term investment horizon can help offset short-term fluctuations
    • Foreign currency risk: if investments are made in foreign markets, currency developments can impact your return
    • Inflation risk: inflation can diminish your real-life return. Generally speaking, diversified investments with an equity component help protect against inflation in the long term

    Tip: distribute your investment amongst different asset classes and make it a long-term investment so as to compensate for value fluctuations.

  • To set up a saving plan, you require an investment or retirement solution that supports saving plans.

  • Yes, there are many different ways to set up a saving plan for several people or as a gift:

    • Saving plan for children: with the “fund self-service” fund custody account, funds saving plans can also be subscribed to for children or grandchildren
    • Tip: a saving plan for children will allow you to build up assets for education or other future expenses in the long term
    • Partner custody accounts: partners who manage a joint partner account can set up and manage funds saving plans together

  • Choosing a financial service provider supervised by the Swiss Financial Market Supervisory authority (FINMA) will protect you above all from dubious business models.

    Security if the provider goes bankrupt: funds and other assets are regarded as segregated assets managed separately to the provider’s assets. This will ensure your investments are safeguarded against the financial risks of the provider.

    Investor protection: supervised entities are subject to the Swiss Financial Market Supervisory Authority (FINMA).