Investing in funds for the first time is not a step to be taken lightly. It is not unusual to feel uncertain. All the more important to know that this step is not as complicated as you would think. You can invest in the desired fund online with just a few clicks. Before taking control of your own investments, it is worth asking whether you are ready to start investing on your own. Find out in this article “Are you ready to manage your own investments? If you can answer these five questions, the answer is yes“.

First step

You should determine the following before your first fund units purchase:

• Your risk capacity  Risk capacity is determined based on your personal and financial situation. For this reason, your advisor will ask you questions about your current personal and professional situation, your income, your savings, your financial commitments and your plans for the future. Your risk capacity is greater if you are less dependent on the capital invested. and your risk appetite  Your risk appetite is determined based on your personal attitude towards risk and opportunity. In contrast to the assessment of risk capacity, which is based on objective criteria, risk appetite depends heavily on your personality and attitude. Risk appetite therefore tends to be determined more by emotional factors.
• Your investment horizon
• The type of fund that suits you (e.g. an equity fund or a real estate fund)
• Whether you want to make a one-off investment or invest at regular intervals with a funds saving plan

With a funds savings plan, you can invest small amounts (at PostFinance from a minimum of CHF 20) regularly in selected funds.

This how to purchase funds easily if you are already an experienced investor

Have you invested your money in funds, shares or other investments frequently? Are you an experienced investor and already know your investment strategy and would like to invest in investment funds independently with no need for any advice? With PostFinance’s fund self-service, you invest your money the way you want in selected funds. Third-party funds are checked annually by PostFinance and replaced free of charge if they no longer meet the quality standards. Because you are investing independently and online, you will also benefit from favourable terms. Find out more in the article “Fund self-service: invest the way you want”.