Diversified investing
ETFs (exchange traded funds) are a simple and cost-effective way of making diversified investments. Unlike traditional funds, ETFs are usually not actively managed, but reflect a defined market. Instead of focusing on individual companies, ETFs allow you to invest in a large number of securities at the same time.
Low ongoing costs, as ETFs reflect a market and are usually not actively managed
Can be used flexibly for long-term asset growth or current income
Invest diversely across multiple companies with an ETF
Invest from as little as CHF 1 with the ETF saving plan
Additional discounts on selected ETFs from our partner companies
There are various ETFs – they differ by market (Switzerland, global, emerging markets, etc.), thematic focus (technology, sustainability, energy, etc.) or asset classes (raw materials, real estate, etc.). Your goals also play a role: some ETFs are suitable for long-term asset growth, while others focus on regular distributions such as dividends.
Accumulating ETFs: income such as dividends is automatically reinvested with these ETFs. This means that your money remains invested and can help you to build up assets in the long term and benefit from compound interest.
Distributing ETFs: income is regularly paid directly into your account. This can be useful if you do not want to reinvest the money – for example, to supplement your income.
With PostFinance, you have access to a wide range of over 60,000 ETFs. Whether you want to focus on sustainability, specific sectors or countries – here you will find ETFs that correspond to your individual investment goals.
Simple and cost-effective: with e-trading, you can trade on the most important stock exchanges worldwide. Trade ETFs from as little as CHF 1 brokerage fee with an ETF saving plan and benefit from attractive conditions and promotional offers. Choose independently from around 60,000 ETFs.
You want to keep up to date with market changes and would like your customer advisor to provide proactive support in your investment decisions? As part of the investment consulting plus package, you will receive personalized advice, which will enable you to make informed investment decisions.
Don’t have the time or inclination to invest? With e-asset management, you can sit back and relax. Our team of investment experts will make your investment decisions for you and keep track of trends on the financial markets.
You pay custody account fees of CHF 18 per quarter for e-trading. In return, you will receive CHF 18 of brokerage credit, which will be used automatically for your securities purchases and sales. You can trade all ETFs on SIX up to a transaction volume of CHF 500 from CHF 6. The fee for investments via an ETF saving plan is 1% on the investment amount (minimum fee CHF 1).
There is a service fee for investment consulting plus and e-asset management, which is reduced for higher invested assets. This service fee includes brokerage fees.
The total expense ratio (TER) refers to the annual, ongoing total costs of an ETF (e.g. for administration). The total TER costs are expressed as a percentage (e.g. 0.20% per year) and charged directly to the ETF assets.
This means that these costs are not debited directly from your account and are not debited as a separate fee, but have an indirect impact on the value and performance of the ETF. The TER details and other ETF key figures can be found in the relevant factsheet.
A higher TER percentage means higher running costs, but is not fundamentally bad. The important thing is what you get in return. Broad-based ETFs that reflect a large market often have lower costs. Specialized ETFs – e.g. focusing on specific topics or regions – can have higher costs because they have a more complex structure.
There is no fixed minimum investment amount for purchasing ETFs in e-trading. You can also purchase fractions from CHF 1 thanks to fractional trading. You can also set up an ETF saving plan from as little as CHF 1 per investment. The minimum investment amount for e-asset management is CHF 5,000, and CHF 80,000 for investment consulting plus.
In e-trading, you have the option of selling your units in an ETF at the current market price at any time, whenever the market is open. Brokerage fees (sales fees) are payable for securities transactions.
Exchange gains are not taxable for private investors. Dividends and other investment income, on the other hand, are subject to withholding tax. It makes no difference whether the ETF distributes or reinvests (accumulates) the income from dividends or interest.
This information is not intended as tax advice. Consult a tax advisor for a final consultation. You can order a tax certificate for e-trading at any time under “Documents” in e-trading. The tax certificate is included with e-asset management and investment consulting plus.
Accumulating ETFs reinvest the distributions directly. Distributing ETFs pay out income to the investor.
As a rule, ETFs distribute income annually. However, there are also ETFs that distribute income semi-annually or quarterly. This can be seen, for example, in the factsheet or key information document of the corresponding ETF.
Yes, ETFs can be a way of generating regular income – for example, through distributing ETFs that focus on high-dividend companies and thus pay dividends on a regular basis.
How high and how regular the distributions are depends on the ETF in question as well as market performance and is not guaranteed. The details can be found in the factsheet or key information document of the corresponding ETF, for example.
You can view the relevant information for the ETF in question (key information document). The information can be found in e-trading and e-finance. ETF providers, data providers such as FE fundinfo, JustETF, etc. and stock exchanges also provide comprehensive information about ETFs.
Benefit from our ETF saving plan.
Choose from a wide range of ETFs and invest directly in e-trading.
