With e-asset management, you can sit back and relax. Our investment experts make investment decisions for you and keep an eye on the financial markets – you don’t have to worry about anything.
Delegate your investment decisions to PostFinance’s experts
Initial investment from just CHF 5,000
Individual investment focus: Swiss, Global or Sustainability
An attractive range of funds and exchange traded funds (ETFs)
Explore how you can set up the e-asset management investment solution online and get an overview of the most important functions:
Based on your personal investor and sustainability profile, your investment term and your chosen investment focus, we propose an individual investment strategy for you. This sets out and defines the ratio of different asset classes (liquidity, bonds, equities, alternative investments) and the ranges (bandwidths) within which they can move.
You choose an individual investment focus (Switzerland, Global, Sustainable) to reflect your personal preferences in your portfolio. Through sustainability profiling, you determine whether and to what extent we should invest in sustainable instruments for you.
Our market view is incorporated into your e-asset management based on current market developments and your investment strategy. You can rely on our investment experts to monitor and implement your investment strategy. From analysing the market environment to investing in our investment universe: our structured investment process ensures that your portfolio is always invested optimally and in accordance with your individual investment strategy.
In e-asset management, we monitor your portfolio on a daily basis in line with the agreed investment strategy. In this way, we ensure that your portfolio is adapted to the relevant market environment as effectively as possible.
Upon request, you can benefit from the advice of our expert investment consultants. In your e-finance, you also have the option to view your portfolio and performance at any time and, if necessary, adapt your investment strategy or change the chosen investment focus.
You can increase the amount you invest at any time in e-asset management. You can choose between a one-off transfer and a standing transfer order. You can set up a savings plan using the “Standing transfer order” function.
PostFinance’s investment committee analyses current market developments in detail to determine positioning. Adjustments based on market developments are implemented as part of your investment strategy. We ensure that any decision we make is in our customers’ interests, and we convey our positioning transparently in our monthly publication investment compass.
Investment is a personal matter. Set your own personal priorities and choose your individual investment focus: Swiss, Global or Sustainability.
If you set your focus to the domestic market without neglecting diversification, you will benefit predominantly from the development of the Swiss market.
If you opt for a diversified global investment, you will benefit from differing economic cycles, interest rate levels and currencies.
To invest more socially and ecologically, take into account environmental, social, and governance (ESG) criteria relating to the environment, society and responsible corporate management.
In the video, find out how our market view is formed and incorporated into e-asset management in line with your investment strategy.
By carefully selecting and systematically checking each investment instrument, we provide you with an attractive investment universe. When selecting these instruments, we only consider actively and passively managed funds with no sales remuneration, as well as exchange traded funds (ETFs).
Service fee |
0.75% p.a. on the investment assets incl. investment account |
|---|---|
Price per year. Service fee on the average invested assets including investment account |
0.75% from CHF 0 p.a. 0.70% from CHF 250,000 p.a. 0.65% from CHF 500,000 p.a. 0.60% from CHF 1 million p.a. |
Sales remuneration |
None |
Minimum investment amount (initial investment and redemption) |
CHF 5,000 |
Minimum amount (follow-up investment) |
From CHF 0 |
Standing transfer order (savings plan) |
From CHF 0 at regular intervals (monthly, twice a month, every two months or quarterly) Please note that investment amounts of up to CHF 500 are generally only invested as part of the next rebalancing. |
Securities deliveries to third-party banks |
Not possible |
The investment strategy is based on your defined investor profile, which takes account of your preferred investment term and your risk appetite and capacity. At PostFinance, five possible investment strategies are used.
The link will open in a new window Investment process for e-asset management (PDF)
This is determined by how much risk you are willing to assume (risk appetite), the financial loss you are able to sustain (risk capacity) and what your preferred investment term looks like.
Yes. You can change your investment strategy at any time via e-finance or with an advisor.
You can view your portfolio and its performance at any time in your e-finance.
The minimum investment amount (initial investment and redemption) is CHF 5,000.
Yes. Outpayments are possible, but they should fit the investment strategy.
Based on standard market comparative values and current market developments, the use of costs is set regularly in relation to the expected return.
With e-asset management, customers delegate their investment decisions to PostFinance. PostFinance invests their money on the financial markets and manages their portfolio.
Customers must indicate what financial losses they are able absorb. Their risk capacity is determined based on this information. Customers also indicate how much loss they are prepared to accept, which is known as their risk appetite. Additionally, customers indicate the investment term they would like and how important sustainability is to them. This makes it clear to what degree sustainable investment products should be incorporated into their investment strategy, allowing PostFinance to take environmental, social and governance (ESG) issues into account when making investments. Customers can also choose a personal investment focus, such as “Switzerland”, “Global” or “Sustainable”.
A portfolio is compiled based on the investor profile. The ratio of the different asset classes (liquidity, bonds, equities or alternative investments) and the range within which they can fluctuate are optimized.
The portfolio is monitored daily and adjusted based on the personal investment strategy and the current market conditions. PostFinance’s market view, which is created monthly by the investment committee, forms the basis for adjustment decisions. This positioning is communicated transparently in our investment compass monthly publication.
The “e” stands for electronic. However, e-asset management is not a digital robot solution. It can be opened online, and complex mathematical processes and data analysis methods are used to define and optimize the composition of the investment strategies. However, the analysis carried out by our investment committee, which is made up of human beings, always plays a key role.
PostFinance has been involved in the investment business for over 25 years and offers solid investment solutions.
In 2023, PostFinance’s e-asset management was rated by Bilanz business magazine in the top 5 in the categories “Sharpe Ratio 36 months – Balanced Risk Class” and “Top Return 36 months – Balanced Risk Class”.
