Fund facts and investment strategy

Basic information for getting started easily

A fund combines many small asset holdings into one large pool. Fund managers manage the fund assets according to a set strategy, which varies from fund to fund, by investing in various securities and asset classes, such as money market investments, bonds or shares. Thanks to this diversification, the invested assets are at a lower risk than, for example, direct investment in bonds or shares.

  • Possible with smaller amounts

    You can also invest with lower amounts and smaller assets. This allows you to benefit from opportunities of returns which are generally higher than interest rates on savings.

    Diversification

    The fund assets are invested in various securities and asset classes (and in varying currencies where appropriate). This means that all your eggs aren’t in one basket.

    Liquidity

    You can opt in or out at any time.

    Transparency

    As an investor, you know where and how your money is invested.

    Protected investments

    Funds offer an effective form of protection for investors and the fund assets are protected even if the investment company files for bankruptcy (segregated assets).

  • Your investor profile forms the basis for successful financial investment and is made up of the following elements.

    Risk capacity

    The less you rely on your assets to meet your financial obligations, the greater your financial independence and, by extension, your risk capacity.

    Risk appetite

    The larger the fluctuations in the rate that you are willing to accept, the higher your risk appetite.

    Regular investment strategy checks

    If your assets situation, risk capacity or risk appetite change, we recommend that you modify your investment strategy accordingly.

  • The 80/20 rule

    Invest 80 to 100% of your investment amount in an asset allocation fund – this is known as your basic investment. Use the remaining amount (maximum 20%) to set priorities. This means you can put more emphasis on short-term trends.

    Basic investment

    The basic investment (at least 80% of the amount invested) forms the foundation of a successful fund investment. Asset allocation funds are well-suited to basic investments. At PostFinance, bond and domestic equity components are passively managed in asset allocation funds (inexpensive management fees). Foreign equity components are actively cared for by several fund managers following the multi-manager approach (solid performance for low overall costs).

    Set priorities

    Would you also like to set priorities in addition to the basic investment? If so, add specific funds to your investor profile, e.g. equity funds, which focus on the performance of certain companies, sectors, regions or topics, such as sustainability. The proportion of these priorities should not form more than 20% of the entire amount invested.

  • The basis for a successful investment is your personal investor profile, which will help you find the right funds. And don’t forget our five golden rules for a successful investment strategy:

    Invest today for success tomorrow

    It is important that you are clear about your personal risk appetite and capacity, as well as your investment horizon. Determine your investor profile online or arrange a consultation.

    All a mystery to you? Leave well alone.

    Make sure you understand what you are purchasing. A fund combines many small asset holdings into one large pool. Fund managers manage the fund assets according to a specific strategy. Funds from PostFinance have a simple structure and are easy to understand.

    Think it over instead of diving right in

    Keeping emotions in check can lead to success. Set out a long-term strategy and stick to it. However, it may be sensible to revise your investment strategy from time to time or if your circumstances change.

    Invest continuously

    Fund prices fluctuate and it is difficult to pick the right moment for a major investment. For this reason, we advise against investing all your money at once, particularly larger amounts. The optimum solution A Funds saving plan can be used to continuously invest smaller amounts.

    Benefit from low costs

    Commissions and other fees reduce your profit. With PostFinance, the costs are moderate and there are no account fees.

    Don’t put all your eggs in one basket

    Otherwise, making a mistake could be disastrous. Broad diversification and consideration of different markets reduce the risk considerably.

    Keeping your cool will always pay off

    Often, a poor position is kept for too long or a good one is sold too quickly. Be rational. With a long-term investment strategy, an approach is defined that you should also stick to in uncertain times and situations. However, it may be sensible to revise your investment strategy from time to time or if your circumstances change.

  • Individual purchase: for ad hoc investment

    With an individual purchase, you invest a specific amount in a selected fund or purchase a specific number of units. Individual purchase is suitable for ad hoc investment. You can purchase additional units with subsequent purchases.

    Funds saving plan: invest regularly

    The funds saving plan is a type of standing order where you decide on the amount and frequency of your inpayments: you can invest from 20 francs, either twice a month, once a month, every two months or quarterly.

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