Investment strategies and products

For the savings plan you first choose the variant and then a risk profile that fits your goal: Cautious (30% equities / 70% bonds), Balanced (60% / 40%) or Growth (100% equities).

For the Pillar 3a plan you can choose from five risk profiles. More under "Risk profiles for Pillar 3a plans". We aim for long-term, goal-oriented returns.

That depends on the variant you choose:

World Market. The entire world equity market through low-cost index building blocks: roughly 88% developed markets and roughly 12% emerging markets, matching the weighting in the MSCI ACWI. Plus, depending on your profile, a Swiss franc bond fund.

World Market + Founders' Selection. The same world market, complemented by around 30 companies our founders pick by hand. The equity part is 60% world market and 40% Founders' Selection.

Founders' Selection. A concentrated portfolio of around 30 well-known, high-quality companies worldwide — "Good Story & Good Chart". Plus, depending on your profile, the Flossbach von Storch Bond Opportunities fund for stability.

Yes! Quality first with ESG factors embedded in selection, focusing on strong, responsibly run global companies. (ESG = Environmental, Social, and Governance. A lens investors use to assess how a company treats the planet, people, and how it’s run.)

Weekly. The more frequent the execution, the shorter your money sits uninvested on average.

Visibility in the app: settlement and technical processing take a little time. Your transaction usually appears as final in the app overview two banking days after the investment day.
Weekends and holidays: if an execution day falls on a weekend or public holiday, execution automatically moves to the next banking day.

Dividends are reinvested automatically. Every fund used is accumulating, which means income stays inside the fund and is reinvested there — you need do nothing, and no stamp duty arises on your side.

This matters more than it sounds and is often neglected by investors: reinvesting income is one of the largest levers on your outcome over long periods. For tax purposes accumulation changes nothing in Switzerland — income is taxable in accumulating funds too.

Yes. You can change your profile and variant at any time in the app, and we charge nothing for it. The switch involves sales and purchases, so statutory costs such as stamp duty may arise.

Adjust your profile when your goals, time horizon, finances or risk tolerance change — not in reaction to short-term market moves. Choose it so that you can absorb a decline in a future crisis without having to sell at the worst possible moment.

No. We keep it simple: you choose a variant and a risk profile, and we do the rest. The portfolios are built for a sound risk-return balance and broad diversification, and designed for the long run. No micromanagement required.

The longer you invest, the better you can compensate for market fluctuations and benefit from the compound interest effect. We recommend a minimum investment period of 5 to 7 years to achieve the best results.

We use only physically replicating products, which means the funds own the underlying shares and bonds. We avoid synthetic replication, which tracks indices through derivatives and brings counterparty risk with it.

For completeness: there are synthetic world funds cheaper than our combination. We still do not use them — for reasons of transparency and security.

We prioritize research backed, transparent investments designed for long-term stability. Cryptocurrencies are exciting but highly volatile, so we don’t offer them today. We continuously evaluate the space and may include cryptocurrency in future, once they meet our security, transparency, and longevity criteria.

On The Building Blocks. Every fund used is listed there with ISIN, costs, domicile and as-of date. It is the only page we have to update when something changes — which is why it is always current.

Cost. A single fund covering developed and emerging markets costs 0.12% to 0.20% a year. Our two blocks together cost 0.06%. The price for it is one additional holding in the portfolio.

Emerging markets are countries whose capital markets are considered less developed than those of industrialised nations — the largest are Taiwan, China, India, Korea and Brazil. The 12% matches their current weight in the MSCI ACWI. The number is not our judgement, it is the market weight; we review it twice a year.

Surprising to many: the largest block within emerging markets is information technology at roughly 42%, not commodities.

No. The weights are kept in line through incoming contributions, never through sales. That means no stamp duty and no spread arise from balancing.

No. Active selection is a decision of conviction, not a return promise. Anyone wanting a market-tracking solution at the lowest price is right with the World Market variant.

An income strategy is planned for the pension solution — with a targeted payout of over 3% a year (a target, not a promise). You can join the waitlist on the pension solution page. Further building blocks — a Swiss allocation, for instance — we will build if the community wants them, not on spec.