If you just started sinking your teeth into the investment world and you find it too vast; if it’s hard for you to put money aside and make it grow; or even if you’d just like a little bit of guidance along the way, Invest Easy is the best complement to your finances.
With professionally predefined strategies, competitive pricing and user-friendliness at its core, our tool allows you to save your money while generating interest, or to automatically invest it in a variety of products, so your assets and capital are put to work for the long term.
Both saving and investment strategies are available in CHF, EUR, USD and GBP. However, regardless of your account’s main currency, investment strategies (Prudent, Balanced and Ambitious) invest only in CHF. This means that the investment amount will always be converted to CHF first.
You can top up your Invest Easy with your credit card or by transferring funds to your account, either as a one-off payment made at your convenience, or by setting up regular payments.
If you’ve chosen one of our investment strategies, after your entry deposit of a minimum of CHF/EUR/USD/GBP 500, Invest Easy will automatically invest your available cash balance anytime there are at least CHF/EUR/USD/GBP 100 in your account. Your account details can be found under Payments & Transfers.
Invest Easy’s Saving strategy is fee-free.
The investment strategies cost a flat fee of 0.60%. To this, external product fees are added, based on the strategy chosen*:
• Prudent Strategy: 0.21%
• Balanced strategy: 0.19%
• Ambitious Strategy: 0.14%
*The product fees are approximate and subject to change over time, depending on the underlying costs and the weight of each underlying.
When it comes to the investment strategies, you can open as many Invest Easy accounts as you wish, bearing in mind that each account allows for one single strategy. On the other hand, the Saving Strategy allows only for one account. Furthermore, remember that you can also switch strategies anytime.
By opening as many Invest Easy accounts as you wish, bearing in mind that each account allows to choose one single strategy.
You can review the portfolio value and/or performance of your strategy on the Invest Easy dashboard. The performance is expressed both in terms of absolute performance (actual performance of your investment, in figures) and Time Weighted Rate of Return (historical performance of your portfolio, in percentage). Click on the indicator of your choice to reflect the performance in the chart.
Additionally, Invest Easy clients receive their Annual Performance Report for each one of their accounts, which can be downloaded from the section “Documents” in their Invest Easy dashboard.
Of course! You can always explore switching strategies to find out which one works best for you based on your profile or objectives. Remember that you can always use the projected performance simulator to have a better idea of what each strategy would do for your capital.
Please refer to the Special Conditions Invest Easy.
• Attractive interest rates up to 2%
• Multi-currency strategy: your capital can be in CHF, EUR, USD and/or GBP
• Easy transfer of funds between Invest Easy strategies and currencies without withdrawal limitations or conditions
• Bankruptcy privilege up to CHF 100’000
Invest Easy’s Saving Strategy is fee-free.
Yes, the interest rates vary depending on the currency of your funds and the amount. To know more, check the pricing section of this page.
The interest rates are applied per amount range. This means that if a client makes a cash deposit of, for example, CHF 150’000 into their Saving Strategy, the interest rates would apply as follows:
• 1% on the first tranche of CHF 50’000
• 0.50% on the tranche from CHF 50’000.01 up to CHF 100’000
• 0.10% on the remaining CHF 50’000
Please notice that these ranges and interest rates are subject to change over time. You will be notified accordingly.
They’re pro-rated across 360 days for CHF/EUR/USD, and across 365 days for GBP.
It is paid annually on 31 December.
Our Saving Strategy starts generating interest from CHF/EUR/USD/GBP 1.-
No, your saving funds will generate interest regardless of the amount.
Clients can cash-out their saving funds up to CHF/USD/EUR/GBP 25’000 per month and per currency. However, this limit does not apply to transfers between Invest Easy strategies nor between currencies, which can be made anytime without penalty or limitations.
If you wish to cash-out a higher amount than 25’000 in the same month, a notice period of 3 months is required in order to avoid penalties. Otherwise, a 1% penalty applies to any withdrawn amount above 25’000.
Yes, anytime and without any withdrawal limit or conditions.
Yes, anytime and without any limit or conditions.
Absolutely. Simply choose our Saving Strategy and fund your account with the amount of your choice to start generating interest.
You can have one single Saving Strategy active in your Invest Easy account. However, remember that you can open as many Invest Easy accounts as you’d like, taking into consideration that, if you already have a Saving Strategy active, only the investment strategies will be available for your additional Invest Easy accounts.