Funds saving plan

Build up assets with small sums

Build up assets systematically and over the long term with a funds saving plan: you can invest small amounts in the fund of your choice. You can subscribe to the funds saving plan easily online in e-finance or via a form.

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

  • You decide how much you would like to invest

  • With the funds saving plan, you will reduce your investment risk because you will be compensating for price fluctuations in the long term

  • Benefit from attractive conditions

  • Invest automatically and regularly

  • Can be used with retirement savings account 3a and in fund self-service

  • 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.

    This compensates for price fluctuations

    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. Over a longer period, an average price emerges and you avoid the risk of fluctuations in your investment.

  • A funds saving plan is a good option if you want to make regular, long-term investments in funds and therefore reduce the risk of choosing the wrong time of entry. Depending on your financial means, you can also invest in funds with individual purchases and increase your assets with a funds saving plan. A funds saving plan or individual purchase will generate higher returns, depending on market developments and point of entry. You should always bear in mind that it is difficult to predict future trends. A funds saving plan helps you by and large to reduce the risk of choosing the wrong moment to invest.

  • In Switzerland, more than 9,000 funds are authorized for public sale. In order to help customers choose funds, PostFinance has compiled an attractive range of funds which comprises nine of its own funds and about 40 third-party funds. The funds provide solid performance and low overall costs.

    For the fixed pension plan, PostFinance provides four different retirement funds with different levels of equity component.

    A fund savings plan can be subscribed to in the self-service fund investment solutions and for investments in pension funds via pension account 3a.

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

    Fund self-service
    Retirement savings account 3a
    Minimum amount from CHF 20
    Minimum amount from CHF 100
    Optional purchase periods: half-monthly, monthly, every two months or quarterly
    Optional purchase periods: half-monthly, monthly, every two months or quarterly
    Subscribing to and cancelling the funds saving plan: free of charge
    Subscribing to and cancelling the funds saving plan: free of charge
    Issuing commission on purchase amount:
    • 1% (max. CHF 1,000 per transaction)
    • 0.5% (max. CHF 500 per transaction with private account plus, youth and student accounts)
    Issuing commission on purchase amount: free of charge
    Swiss stamp duty on foreign funds: 0.15%
    Swiss stamp duty on foreign funds: none
    Custody account management: 0.15% p. a. (Fees waived until 31.12.2021)
    Custody account management:free of charge

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