Your money deserves to earn more than low interest. With the funds saving plan, you regularly invest a fixed amount in funds – as easily as setting up a standing order and with higher potential returns in the long term.
These days, investing’s just as easy as saving. With a funds saving plan, you have a higher potential long-term return than with a savings account. Because you invest regularly, price fluctuations are evened out over time – automatically with the cost averaging effect.
You decide what’s right for your funds saving plan – and can adjust, pause or stop the plan anytime.
Choose from 15 PostFinance Fonds and more than 40 third-party funds – to suit every risk tolerance and every need.
Decide how much you want to invest and how often.
Your funds saving plan runs automatically. You retain full control and can make changes immediately.
Every second person who invests independently in funds at PostFinance uses a funds saving plan.
You already have a fund custody account? Set up your saving plan in just a few clicks.
You don’t have a fund custody account yet? Open the fund self-service custody account online and get started right away.
You already have a fund custody account? Set up your saving plan in just a few clicks.
You don’t have a fund custody account yet? Open the fund self-service custody account online and get started right away.
With a funds saving plan, you regularly invest a fixed amount in funds. This allows you to build up assets gradually, pursue a personal investment goal and have the opportunity to participate in developments on the capital markets over the long term. A funds saving plan is suitable both for asset growth and as additional capital for private retirement planning.
A savings account offers security, but usually low returns if inflation, or rather the rate of inflation, is higher than the interest rate. A funds saving plan invests in shares, bonds or other asset classes, offering significantly higher potential returns in the long term. With a suitable investment strategy, opportunities and risks can be individually tailored to your savings goal.
If you make regular inpayments, you benefit in several ways: your money grows, and your returns are reinvested and added to it (compound interest effect). The longer you keep it going, the greater the effect can be.
If you invest regularly, you automatically purchase more fund units when prices are low and fewer when prices are higher. This principle is known as the cost averaging effect. This reduces the risk of entering the market at an unfavourable time – regardless of how the markets stand. A funds saving plan helps you to save continuously.
Your money is invested broadly in many different investments within the fund (diversification). The capital is distributed across different securities, sectors and regions. This allows fluctuations in individual investments to be evened out.
You can modify, pause or increase your inpayment anytime. Additional inpayments are also possible. This means the funds saving plan remains flexible – no matter how your life situation changes.
Yes, a funds saving plan is suitable for both long-term asset growth and retirement planning – as additional capital on top of the existing retirement savings products. Long-term goals in particular can help to even out market fluctuations and consistently harness growth potential.
Yes, you can withdraw money from the fund as you wish – either in the form of individual outpayments or by withdrawing everything at once. You can continue to adapt the strategy to your investment goal.
ETF saving plans are usually managed independently. A funds saving plan usually includes personal advice, a structured analysis of your goals, as well as individually tailored fund selection and ongoing support.
Both work in a similar way – the difference is in the investments:
with an ETF saving plan, you invest in ETFs that reflect a market.
A funds saving plan invests in selected funds, e.g. from PostFinance or other providers.
That depends on your needs. A personal investment consultation can be helpful if you would like support with selecting funds or with topics such as investment strategy, savings goal or risk profile. With fund consulting basic, you receive a suitable recommendation and can benefit from a consultation if required. If you prefer to make your own decisions, you can use the fund self-service without a consultation.
