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Created on 08.02.2019

How to invest your money yourself

Investors who want to invest their own money themselves can do so relatively easily these days. There are now many online platforms where you can trade securities. We’ll explain how you can trade online yourself and what to look out for.

Many investors let experts make investment decisions for them. Those who want to invest in securities and trade them can do so online via e-trading. There are now many online trading platforms available. They can differ in terms of their user interface, their functions, fee structures and the stock exchanges they offer. With a bit of research, you can find out which platform most suits your needs. With e-trading, PostFinance customers have access to a modern, intuitive online trading platform.

What you should be aware of when investing yourself

Once you have successfully registered in e-trading, you can automatically access a securities custody account and the standard accounts (CHF, EUR and USD). You can also add other foreign currency accounts yourself at any time. Now you’re able to trade securities yourself. Note the tips below:

Define your investment strategy

Even if you are investing your money yourself online, you should define an investment strategy and stick to it.

Spread your risk.

Regardless of whether the strategy you are implementing is more conservative or more high-risk: diversify your portfolio to spread your risk.

Keep an eye on the markets

Those who want to want to trade individual securities themselves need to regularly and continually track the financial markets and individual companies. This will have an influence not only on your positions but also the currencies they are held in.

Order types

Familiarize yourself with the various order types. How do they differ from one other? Which ones are available to you?

Stick to your strategy

Buy and sell securities at the right time. Buy and sell when your strategy requires it, and not whenever the mood takes you or when you receive an alleged sure-fire tip from a friend. You can find out how to avoid psychological pitfalls when making investments in the article “Psychological pitfalls to avoid when investing”. This doesn’t have to mean that it’s not worthwhile managing your own investments – as long as you stick to your strategy. “Why shares are worthwhile”.

Find out more about fees

Various fees apply when investing: compare the fees you have to pay for a custody account and individual trades (custody account fees, brokerage fees and stock exchange fees). This is why you need to be well informed. If in doubt ask for assistance at your bank or from a customer advisor. This will help you save on fees.

Manage your own portfolio or purchase your favourite shares

Trading shares independently and managing your own portfolio isn’t as complicated as it sounds. Online trading platforms can help you achieve your personal investment goals in the simplest, most intuitive way. They offer an attractive alternative to the traditional advisory services from professionals who address your financial situation or handle investment decisions for you in a bank branch. For example, online platforms can also be used if you want to purchase a specific security that you are interested in or which is from a specific sector – that is, if you don’t harbour any ambitions to carry out regular trades yourself.

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