Funds saving plan

Build up assets with small sums

Build up assets systematically and over the long term with a funds saving plan – even with just small amounts. You can open a funds saving plan with ease online in e-finance, using a form or at a branch, depending on the investment solution.

Funds saving plan: invest regularly and benefit in the long term

  • You can invest even with small investment amounts

  • If you invest regularly, you’ll benefit from the cost averaging effect

  • You can make automatic and recurring investments with the amount of your choice

  • Can be used with the following investment solutions: retirement savings account 3a, fund self-service, e-asset management and fund consulting basic

  • With a funds saving plan, you invest automatically and regularly in financial markets, build up your fund assets systematically and benefit from the cost averaging effect. You can alter the amount and frequency (twice a month, monthly, every two months or quarterly) based on your requirements.

    Cultivate success systematically: funds saving plan (simulation)

    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.

    When the rate is low, more fund units are bought; when the rate is high, fewer fund units are bought. This means that an average price emerges over a longer period of time, and you can benefit from this in the long term – depending on developments on the financial markets.

  • A funds saving plan is a good option if you want to make regular, long-term investments in funds and reduce the risk of choosing a less favourable time of entry. Regardless of your financial means, you can grow your assets with a funds saving plan.

  • Make your money go further with our investment products. You invest your regular savings amount in the investment solution of your choice and can benefit from higher potential returns compared to savings accounts, as these currently earn hardly any interest. A fund savings plan can be opened in the self-service fund, e-asset management and fund consulting basic investment solutions and for investments in retirement funds via retirement savings account 3a.

  • All fees and conditions are stated in CHF or foreign currency equivalent.

    E-asset management

    • From a minimum purchase of CHF 5,000 (initial investment)
    • Standing transfer order (savings plan): From CHF 0 at regular intervals (monthly, twice a month, every two months or quarterly)
    • No sales remuneration
    • 0.75% p.a. all-in fee
    • The custody account fee is included in the service fee

    Fund consulting basic

    • Minimum amount from CHF 2,000
    • Optional purchase periods: half-monthly, monthly, every two months or quarterly
    • 1.00% issuing commission on the purchase amount (max. CHF 1,000 or equivalent in foreign currency)
    • No redemption commission
    • Custody account fee: included in the service fee of 0.25%

    Fund self-service

    • Minimum amount from CHF 20
    • Optional purchase periods: half-monthly, monthly, every two months or quarterly
    • Subscribing to and cancelling the funds saving plan: free of charge
    • Issuing commission on purchase amount: 1% (max. CHF 1,000 per transaction)
    • Custody account management: 0.15% p. a. (Fees waived until 31.12.2021)

    Retirement savings account 3a

    • Optional purchase periods: half-monthly, monthly, every two months or quarterly
    • Subscribing to and cancelling the funds saving plan: free of charge
    • Issuing commission on purchase amount: free of charge
    • Custody account management:free of charge

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