In simple terms, a funds  A fund is a “pot” into which investors put money. This is invested by the fund management in various securities, such as shares or bonds, based on certain criteria. This means good diversification can be achieved even with a low level of investment. There are various types of funds: if a fund invests in shares, it is called an equity fund. Real estate funds invest in property. saving plan is a standing order with investments in a fund. As with a standing order, you decide whether you wish to contribute fortnightly, monthly, every two months or quarterly. You can do this from as little as CHF 20 per inpayment, and you can adjust the amount any time.

A funds saving plan for mid to long-term asset growth.

Freedom of choice and flexibility – you decide how much you wish to invest, when and in which fund. You also have the option of closing your funds saving plan  In simple terms, a funds saving plan is a standing order for investment in a fund. As with a standing order, you decide whether you wish to contribute fortnightly, monthly, every two months or quarterly. This can be done starting at CHF 20 per inpayment. You can also change (e.g. the amount paid in) or cancel the order at any time. at any time and selling the units at the current price. Alternatively, you can take out the assets you have accrued using a fund withdrawal plan  A fund withdrawal plan allows you to take out the assets invested in a fund on a staggered basis. This means that not all fund units are sold at the same time but instead according to a schedule defined by you (withdrawal amount, frequency). This approach helps even out price fluctuations..

Reducing risk: funds are subject to price fluctuations which depend on stock market trends. By making regular inpayments through a funds saving plan, you benefit from the cost averaging effect – fewer fund units are purchased when prices are high and more when they are low. The cost averaging effect evens out price fluctuations reducing the risk of unfavourable timing of investment. A funds saving plan allows you to accrue systematic assets. You can read why it’s important in the article “Why long-term investments are important”.

Who is a funds saving plan suitable for?

A funds saving plan is ideal for anyone seeking to systematically accrue assets and who wishes to regularly invest at least CHF 20. You can open a funds saving plan directly in e-finance or with your customer advisor.