You want to work with a ETF Savings plan Invest broadly and cost-effectively?
In that case, you should look not only for the right ETF, but also for one of the top providers of a ETF Savings plan throughout Switzerland set.
With Saxo, Yuh and willbe, savings plan purchases are free of charge; with Swissquote, the fee is from CHF 3 per transaction; and with PostFinance, it is 1% of the savings instalment. Over a 30-year period, the difference between the cheapest and most expensive set-up can easily amount to several tens of thousands of francs. However, which provider is right for you depends on more than just the fees.
Have you also experienced this: You have read on the internet or elsewhere about ETFs and would now like to Fund savings plan organise your finances conveniently?
Until a few years ago, there were hardly Swiss Provider for inexpensive ETF savings plansbut that's over now!
More and more suppliers have finally noticed the high demand and are now offering you in the Switzerland ETF Savings Plans on. Find out where and how best to proceed here!
There are two methodsto be able to implement an ETF savings plan throughout Switzerland. At Method 1 you select all ETFs yourself and save monthly.
Or you can choose Method 2 and work with a Predefined ETF portfolioin which you invest on a monthly basis.
If you want to design your own ETF savings plan and implement your own ETF strategy, you need a provider that allows you to do so.
The following ETF providers throughout Switzerland allow oneself compiled ETF portfolio. By the way, you can find suitable ETFs here. here. All six now offer automatic Savings plans So you no longer need to initiate the purchases manually.
| Comparison factor | Saxo Bank | Swissquote | Yuh | Neon Invest | willbe ETFselect | PostFinance |
|---|---|---|---|---|---|---|
 |  |  |  |  |  |
|
| 📲 Automatic ETF savings plan? | Yes | Yes | Yes | Yes | Yes | Yes |
| 📋 ETFs in a savings plan | 100+ on AutoInvest, all with no purchase commission. (Over 5,000 ETFs available for trading) | 131 Eligible for savings plans (9,000+ ETFs available for trading) | 70+ | 130+ | 50+ curated selection | 100+ |
| ✔️ Can individual ETFs be traded free of charge? | ✔️ | ⭕ | ✔️ | ✔️ | ✔️ | ⭕ |
| 💲 Trading fees | Free for +100 selected ETFs. Min. CHF 3 or 0.08% of the order volume (Classic) | ETF Leaders: CHF 3 (up to CHF 500), CHF 5 (up to CHF 1,000), CHF 9 (from CHF 1,001). Other ETFs are subject to the standard fee structure. | Selected ETFs in the savings plan: 0%. Otherwise 0.5% of the order volume. | Selected partner ETFs in the savings plan: 0%. Otherwise 0.5% on ETFs, 1.0% on international equities. | Free ETF savings plan (purchase) | 1 % per version (min. CHF/EUR/USD 1.-) |
| 💱 Currency exchange | 0.25% | from 0.95% | 0.95% | Included! | Included! | 1.15% |
| 💰 Custody fees | New since 2025: Free of chargeno monthly or annual fees. | CHF 20 - CHF 50 charged quarterly and depending on the custody account volume | Free of charge, no monthly or annual fees. | Free of charge, no monthly or annual fees. | Free in 2026 with a code FRANKE, otherwise on a sliding scale: 0.30% up to CHF 25,000, 0.25% from CHF 25,000, 0.20% from CHF 100,000, 0.15% from CHF 500,000 | CHF 18 per quarterbut: incl. CHF 18 brokerage credit per quarter (expires if not used) |
| 👎🏻 Disadvantages | No entry in the shareholders' register possible | Trading user interface for beginners takes some getting used to at first | Not a web-based solution. Often no longer suitable for large volumes due to a lack of features and the costs involved. Fractions are not automatically converted into whole shares | Not a web solution. No longer suitable for large volumes due to lack of functions and costs. | Smaller ETF selection than with pure brokers | - No free trading - Credit balance expires |
| 🎁 Voucher | Receive bonus! | Receive bonus! | Receive bonus! | Receive bonus! | Receive bonus! | View test report |
You don't want to build an ETF portfolio yourself, but would rather rely on the expertise of a low-cost asset manager?
Then you can use a Robo Advisor. These offer you Customised, ready-made ETF strategies to choose from. The costs are then not charged per purchase, but as a percentage of the assets under management.
How does it work? As soon as you send money to a robo advisor, it is automatically invested there. You can therefore set up a standing order with your bank to the Robo Advisor to have your money invested there automatically.
| Finpension Invest | True Wealth | Viac Invest | Findependent | Selma Finance | Inyova | |
|---|---|---|---|---|---|---|
 |  |  |  |  |  |
|
| 🏦 Fees for administration | 0.39% all-in-fee | 0.25 - 0.50% | 0.25% | 0.29% - 0.40% | 0.42% - 0.68% | 0.6% - 1.2% |
| 🏷️ Product costs | 0.08% - 0.1% | 0.12% - 0.21% | 0.09% - 0.27% | 0.12% - 0.23% | 0.22% | - |
| 💰 Total costs | 0.47% - 0.49% | 0.37% - 0.71% | 0.34% - 0.52% | 0.41% - 0.63% | 0.64% - 0.90% | 0.6% - 1.2% |
| 🚦 Minimum investment | CHF 1 | CHF 8'500 | CHF 1 | CHF 500 | CHF 2'000 | CHF 2'000 |
| 🛡️ Where is your money? | Directly through finpension (FINMA-authorised securities firm) | With BLKB or Saxo Bank, in your name | Directly with VIAC (FINMA fund management) | Directly through findependent (FINMA-authorised securities firm) | At Saxo Bank, in your name | At Saxo Bank, in your name |
| 💡 Special advantages | - Divided Joint portfolios - Savings plans for deposits and withdrawals - Up to 10 Strategies - DA-1 Reporting for US withholding tax (not yet recognised in all cantons) - Private Equity Access - Pension provision and vested benefits also available | - Extreme inexpensive - On Swiss franc optimised 🇨🇭 - Optional sustainable Financial investment - Desktop and mobile app - Unlimited state guarantee for cash deposits with BLKB - Children's depot | - Payment plan - Multiple strategies selectable • Pillar 3a integrated | - Very inexpensive - Low minimum investment - App and desktop solution - Children's Accounts | - Very inexpensive - Optional sustainable Financial investment - Pillar 3a - App and desktop solution | - Focussed Sustainable investment - Pillar 3a - App and desktop solution - Children's Accounts |
| 👎 Disadvantages | - Aimed at persons resident in Switzerland | - Minimum investment for beginners a bit high | • US withholding tax: approximately 0.12% p.a. Disadvantage: no DA-1 refund •Redemption fees can be high in some cases (up to 1,25% on transfer) -Trading only on Tuesdays | • Pillar 3a is still in the planning stage (launch announced for 2026) | - Fees could be lower | - Fees |
| 📲 Promotion | CHF 25 fees for free | CHF 100 fee credit - code CHFRANKE | Reduced fees | CHF 20 starting bonus | CHF 34 Start bonus | 6 months no fees + Plant 2 trees |
| 🔍 Schwiizerfranke Rating |  | |  | |  |  |
| Test report | Test report | Test report | Test report | Test report | Test report |
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With the Schwiizerfranke savings calculator, you can calculate how your assets will develop in the long term. Whether it's an ETF savings plan, wealth accumulation over decades or pure compound interest - the calculator shows you your final assets, deposits and interest earnings at a glance.
You choose what you want to calculate: final capital, savings instalment, savings period, starting capital or return. The calculator adapts itself. The return markers are based on realistic Swiss values - from savings accounts (0.5 %) to mixed funds (3 %) to the MSCI World (7 % historical).
If you want more depth, unlock the year-by-year table: see exactly how your securities account has developed each year, what your final sum would be worth today and download the complete table as a CSV. Plus: a fee comparison shows how much a robo-advisor or house bank really costs over 30 years compared to an online broker.
All calculations are done locally in the browser. No data leaves your device unless you voluntarily enter it in the e-mail form. The logic is based on the standard future value formula with monthly advance contributions and effective annual compounding.
But is the possibility of an ETF savings plan available to Swiss people?
Yes, a Classic ETF savings plan is available. Until a few years ago, there were only robo advisorwhich you could use. But more recently, you can also find a comparison of fund savings plans throughout Switzerland. Swiss broker! Some good providers from both categories? Swissquote, Saxo, True Wealth, Selma Finance, willbe ETFselect or about Yuh.
Which Options for a Swiss ETF savings plan So there is?
Foreign suppliers:
There are a few providers based abroad that offer their services in Switzerland on very favourable terms. Whilst this may have some drawbacks, the costs are usually lower. A well-known example is Degiro from the Netherlands. Important: Degiro does not offer automatic savings plans; you have to initiate each purchase manually.
Swiss supplier:
Swiss deposit guarantee and local regulation is better for you? Then there are providers like Saxo, Swissquote, True Wealth or perhaps Finpension Invest. With Saxo and Swissquote, for example, you set up an automatic savings plan and choose the ETFs yourself. With the Robo Advisorn you can set up a standing order for this and then have it automatically invested in ETFs for you.
You can find the details below.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
The Saxo ETF Savings Plan impressed by the AutoInvest-function for free savings plans that make regular investing easier. With Extremely favourable fees Saxo stands out positively from the competition.
What makes it special is that you can set a budget and allocate it as a percentage across different ETFs. Please note: AutoInvest only buys whole ETF units. Any remaining amounts are carried over and added to your savings plan the following month.
The intuitive interface of Saxo AutoInvest automates the entire process, saves time and minimises emotional decisions. Bonus: About our Link you get a Generous starting balance for free - ideal for your entry into systematic wealth accumulation.
An exciting Swiss alternative is willbe ETFselect from LLB. The app combines the simplicity of a robo-advisor with the flexibility to select your own ETFs. You can Choose from around 50 curated ETFs and set up an automatic savings plan – entirely without Trading fees. Particularly practical: also fractional trading is possible, so that you can invest in a broadly diversified portfolio even with small amounts. The custody fee is tiered and decreases as the investment amount increases: 0.30% per year up to CHF 25,000, then 0.25%, 0.20% for amounts of CHF 100,000 or more, and 0.15% for amounts of CHF 500,000 or more. The applicable tier applies to the entire portfolio.
With Swissquote you will find the largest Swiss online broker for ETFs, Shares, Bonds and cryptocurrencies, for example. We have been investing with the platform for some time and are very satisfied with it. Swissquote offers Extremely many ETFs an, various trading venues and compared to shares even more lower prices on ETFs.
Swissquote offers automatic Savings plans with fractional trading. For ETF Leaders on the SIX, recurring investments are possible from CHF 3 per transaction; other ETFs are charged at the standard rate. There are currently 131 ETFs eligible for savings plans.
When you work with a Swiss broker an ETF savings plan you want to put on, is Swissquote a very good choice.
But just because Swissquote is the leading (largest) online broker in the country doesn't necessarily mean it's the best provider for you. In the big comparison you will find cheaper providers, but in the end it always depends on your personal plans and your comparison criteria.
The Taxation of shares and ETFs in Switzerland is a topic in itself. As an investor, you should therefore definitely take a look at our Article about this View In short, however, it can be said that: Price gains are, in principle, for you as a private investor tax-free. The situation is different if the tax authorities regard you as professional securities dealer classifies.
You pay tax on dividends paid out from your ETF savings plan and from dividend-paying shares. This means that the value of your investment portfolio forms part of your taxable assets and is subject to cantonal Property tax.
If you use an ETF app anywhere in Switzerland, this often has tax benefits. Local robo-advisers, in particular, frequently provide you with an e-Tax statement. This document can be imported directly into many cantonal tax systems, saving you the trouble of entering the individual items manually.
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The above points have shown you some ways of how or where you can best buy ETFs or start your ETF savings plans throughout Switzerland.
There is no one right or best way to buy ETFs in Switzerland. Rather, you should ask yourself, how much effort you are willing to put into it. Also ask yourself whether you really want to create and maintain your own ETF portfolio (keyword: "ETF portfolio"). Rebalancing).
Alternatively, you can also use a robo advisor and buy your ETFs and other investments there conveniently for you. Also the ETF Tax Report is much easier with it, as a tax statement is generated automatically.
In the search for the Best fund savings plan in Switzerland many automatically end up at Swissquote. But the market has changed – our ETF savings plan Switzerland comparison shows: There are now significantly cheaper ETF Savings Plan Switzerland Provider.
What should you look out for? The Swiss ETF fee comparison reveals significant differences: whilst Swissquote charges from CHF 3 per order, Saxo offers free savings plans for over 100 ETFs. It’s even easier with willbe ETFselect. Here, you can choose from 50 curated ETFs, pay no trading fees and, thanks to fractional trading, invest in a broadly diversified portfolio even with small amounts. In return, a tiered custody fee of 0.30% to 0.15% per year applies.
The Best ETF savings plans in SwitzerlandIt depends on your setup: Saxo scores highly in terms of costs, Swissquote in terms of ETF selection, and willbe in terms of convenience. Would you rather save up for individual securities? A Share Savings Plan In Switzerland, you can find them at Swissquote, Yuh and neon. However, when it comes to long-term wealth accumulation, individual shares are no substitute for a broadly diversified ETF portfolio.
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The Swiss market for ETF savings plans has developed strongly in recent years. Whereas there were hardly any affordable options in the past, today you are spoilt for choice when it comes to ETF savings plans throughout Switzerland.
For independent decision-makers offer Saxo, Swissquote and Yuh Reliable solutions with automatic savings plans. In a comparison of ETF brokers across Switzerland, Saxo stands out with over 100 ETFs available for free savings plans, Swissquote – as Switzerland’s largest online broker – with the widest selection of tradable securities, and Yuh with what is arguably the simplest user experience. A new entrant to the market is also willbe ETFselect with, a Swiss app that enables automatic savings plans with no trading fees and fractional trading.
For those who like their comfort are robo advisor like True Wealth, Finpension Invest or Findependent Ideal. You set up a standing order and the rest happens automatically, including rebalancing and tax statements. In return, you pay around 0.4% to 0.6% per year – often slightly more than you would with a self-managed savings plan.
Foreign providers like Degiro They attract customers with low fees. However, different regulatory frameworks apply, tax reporting is more complex and there are no automatic savings plans. A note to help you understand: ETFs and shares are assets held in your investment account and belong to you; they are not the same as uninvested funds in a bank account.
My tip: Don’t just compare fees; also consider user-friendliness, the range of ETFs on offer, and whether fractional trading is available. It’s important that you stick with it for the long term, as this is the only way to let compound interest work in your favour.
Where are you opening your Swiss ETF savings plan? Let us know in the comments!
There are two types of costs. For each purchase, you pay a transaction fee, plus the federal stamp duty of 0.075% for Swiss ETFs and 0.15% for foreign ETFs. On an ongoing basis, you pay the ETF’s TER, usually between 0.12% and 0.25%, as well as any custody fees. The execution fee is the biggest difference between providers. Saxo, Yuh and willbe charge nothing for regular savings plan purchases; at Swissquote, the fee starts at CHF 3, whilst at PostFinance it is 1% of the monthly savings amount. For a monthly amount of CHF 500, this works out at zero francs over a year with Saxo and CHF 60 with PostFinance.
In terms of pure costs, Saxo comes out on top. The AutoInvest savings plan charges no purchase commission, there is no custody fee, and the currency conversion fee, at 0.25%, is the lowest in the comparison. There are two exceptions. Anyone saving small amounts should consider Yuh or willbe: Saxo only buys whole ETF units, so any remaining amounts are carried over to the following month. And anyone wishing to have Swiss registered shares entered in the share register will have to use Swissquote.
Capital gains are generally tax-free for you as a private investor. This no longer applies if the tax authorities classify you as a professional securities trader. Dividends paid out are subject to tax, even in the case of accumulation-type ETFs, where they are reinvested in the fund. In addition, there is the cantonal wealth tax on the value of your securities portfolio as at 31 December.
For most people, a DIY savings plan. You’ll often pay between 0.4% and 0.6% less per year, and the work involved is limited to a one-off set-up plus around thirty minutes of rebalancing a year. A robo-advisor is worth it if you’re honest with yourself and realise that otherwise you’d never get started. The most expensive savings plan is the one you never open. A robo-advisor handles the selection, rebalancing and tax statements, taking every decision off your hands.
Eric is the founder of Schwiizerfranke.com and certified IAF wealth advisor. Since 2019, he has been helping Swiss citizens to organise their finances comprehensibly, independently and efficiently.
📌 Note: This article is for information purposes only and does not constitute personalised investment advice.
Dear Eric,
Thank you very much for your helpful and informative content.
I would like to set up an ETF savings plan for my nephew, who lives in Germany. I have already done this for myself and my daughter in Switzerland with VIAC.
Do you have a recommendation as to how I can best set this up for him from Switzerland - is it better to use a provider in Switzerland or Germany? And how can I ensure that the custody account can be legally transferred to my nephew in around 10 years' time?
Are there any special legal aspects, tax pitfalls or other points that I should be aware of?
Many thanks in advance!
Hello Arndt,
Yes, it's basically possible - but I would keep it simple 😊
The cleanest way is usually for the parents to open a child custody account in Germany (e.g. with a German broker) and for you to deposit the money regularly as a gift. The custody account then legally belongs directly to your nephew.
A custody account in your name with subsequent transfer would also be possible, but depending on the amount, could give rise to tax issues in the case of gifts (especially because Germany is involved).
Since Swiss and German law come together here, I would certainly ask a tax expert for larger amounts.
Short: German child custody account via the parents = probably usually the most uncomplicated solution. (If anyone has any tips, please share!)
Dear Eric
Thank you for the always very helpful blog posts and sharing your in-depth knowledge and research. I'm a bit on the fence when it comes to providers. I have cancelled the low-cost Degiro because of the foreign risk as you mentioned and I bought 2 ETFs from Swissquote a few years ago, but the high custody account fees bother me here. I now want to invest a larger amount again and then invest regularly in ETFs (possibly via a savings plan). Since the costs for purchases are different with one-off/dimension/% or lump sum, I am unsure whether I should continue to stay with Swissquote or move everything to Saxo if there are no more custody account fees from 2025, but I don't know how it compares with the trading costs with a large one-off purchase + then standing order?
Many thanks and best regards
Hello Mikki
Thank you for your question!
I can't take the choice away from you, you have to choose the you personally choose the most suitable provider yourself.
Where I can help you is with fees etc.
At Saxo, savings plans for many ETFs are free of charge. A large sum could also be invested via a one-off savings plan ... 🙂
So set once, execute, then exit or, for example, switch to a smaller amount.
However, Swissquote vs Saxo (or any other comparison) should not only be made on the basis of fees. Functionality, support and much more should be considered. After all, you want to feel safe and in good hands when you invest significant sums of money.
I hope this helps you.
Much success!
(No investment advice)
I have decided to use Saxo Autoinvestor with 80% in iShares Core MSCI World UCITS and 20% iShares Core SPI (CH) ETF for asset protection with low risk.
I make profits with more aggressive investments, this serves to secure profits.
my only concern is the falling dollar, which doesn't seem to want to find a bottom.
does my strategy with 80% Msci World and 20% SPI make sense or is it total rubbish?
Thank you for your comment Mani 😊
80 % MSCI World and 20 % SPI is basically a broadly diversified equity strategy with a slight home bias - so it's not nonsense. But: It is 100 % shares and in this sense is not a hedging strategy, but highly aggressive. Historically, this has clearly meant fluctuations, sometimes even -30 % or more.
The dollar: Important to keep this on your radar. The 20 % SPI specifically reduce your USD exposure.
The ETF combination is less important than whether you can mentally withstand the fluctuations. Not investment advice - just a few thoughts on categorisation.
Good day
My question about the table of Robo Advicers (ETF savings plan with predefined strategies) in particular about the provider VIAC and the statement in the disadvantages that a redemption commission of up to 1,25% applies.
I have asked VIAC about this and the statement from VIAC is that there is no redemption commission for the «INVEST» product. The redemption value of the VIAC funds corresponds to the NAV or the NAV of the underlying investment funds (depending on who they are from). Does the 1.25% in the table refer to the assumption that redemption commission is incurred on the investment funds of the VIAC providers, if so, what is this assumption based on?
Hello Daniel
Many thanks for the precise enquiry and the additional details from the factsheet!
I went through a few factsheets again and found some where issue charges are declared. However, these are lower than 1.5% (have the funds changed?) and are accompanied by the note: «* Issue and redemption fees are only charged in the event of an overhang. In the case of weekly net inflows, for example, redemptions are serviced without charges.»
I will correct the table immediately and adjust this point in the disadvantages.
Thanks for your feedback - such community input helps enormously to improve the quality of the comparisons!
Best regards
Eric
Hello Eric
Many thanks for the feedback. Maybe a follow-up question, what is the reason that VIAC has no rating in the table, or is it the disadvantages you mentioned or is there another reason?
Best regards
Daniel
You're welcome, Daniel!
Viac Invest has not been in existence long enough for the rating to be clear, but as far as we can tell it will be very good: It will be very good.
Hello Eric
How do you come up with over 1,000 ETFs at Swissquote? I only found about 100 ETFs eligible for savings plans. Maybe I have overlooked something.
Hello Ecko,
That's right. Available ETFs and savings plans are two different things. The latter are becoming more and more, I'll try to find out the exact, current number.
I asked the provider directly about the Swissquote ETF savings plan: There are currently 131 ETFs listed for savings plans. They are divided into the following categories (approximately):
- 🌍 World / Global: 30+
- 🇺🇸 USA / S&P 500 / Nasdaq etc.: approx. 25
- 🇨🇭 Switzerland / Swiss ETFs: approx. 10
- 🇪🇺 Europe (DAX, EURO STOXX etc.): approx. 10
- 🌱 Thematic ETFs (e.g. clean energy, blockchain, robotics): approx. 25
- 🌎 Emerging markets / Asia: approx. 10
- 🪙 Commodities / gold / silver / platinum: approx. 10
- 💸 Dividend ETFs: approx. 5
- 📈 Bonds: approx. 7
Hello Eric
Someone would first have to explain to me how a financial blogger can recommend a provider with excessive currency exchange fees. Or is it perhaps the commission? Greetings, Gerhard
Hello Gerhard,
PostFinance has the highest exchange rate fees in the article - I assume you mean this provider. I've never received a single centime of commission from PoFi since 2019 🙂 but the provider is so big that it's hard to avoid it in a comparison. My job here is to create a relevant comparison that is as simple as possible.
Would you prefer not to see large providers and therefore not to have a "yardstick"?
Hello Eric
Thanks for the great website!
On 22 December 2023 you recommended a webinar on hedging ETF on CHF.
Is a recording of this webinar available?
I would be very interested in an answer to Ramon's question.
Kind regards
Sam
Hello Sam,
No, this was not recorded for data protection reasons. But there will be webinars on this topic again in September. You can already on the waiting list heree enter.
Hello 🙂
I am currently looking to buy my first ETF.
I would like to buy an ETF in CHF that is global and has max 60% USA.
What do you think about :iShares MSCI ACWI UCITS ETF USD (Acc) /IE00B6R52259 on Saxo with SIX
Or do you have a better alternative? You can also invest in Yuh.
Hello Oliver
The ETF is low-cost, accumulating, domiciled in Ireland and very broadly based (but slightly above 60% USA).
So it looks attractive! But I can't give you any investment advice here 🙂
Hey Eric
It's really funny that you describe Swissquote's ETF savings plan as the best. Compared to SaxoBank (many ETFs from IShares and Amundi, completely FREE), there is not a single advantage in my opinion. Can you briefly explain why you didn't point out these advantages? Is there a reason?😃
LG Sandro
Hello Sandro
SQ is for the customers the most popular provider among online brokers ... SQ is the largest CH online broker on the market.
There is no single provider that is best for EVERYONE. Every investor has their own needs and options (starting capital and monthly volume for the savings plan), which is why I leave the choice up to each person and do not make ONE recommendation 🙂
Hey Sandro
In my opinion Saxo the better solution.
Free savings plan and good platform and it's super easy to set up children's sub-accounts.
What's more, there are no annual account fees.
What more could you want?
LG Kili
Dear Eric
I am very interested in the following topic. For example, if I save an MSCI World ETF in dollars via Swissquote and at some point there is an extremely large dollar crash (keyword: over-indebtedness of the USA) and the dollar has lost a lot of value in recent years anyway and does not have a rosy future. To what extent will the currency crash then have an impact on the capital saved? Will a large part of the capital be gone as a result of the currency crash? What are the consequences?
There are also ETFs where the currency is hedged. What are the consequences of such an ETF in the event of a dollar crash? Is an ETF where the currency is hedged the best solution?
Thank you in advance for your explanation.
Hello Ramon,
Thank you for your question and the interesting consideration. This is exactly what we will be covering in the free webinar in January.
Swiss investors should definitely be aware of the currency risk. In the FinanzFahrplan, we therefore structure strategies in such a way that they are not exposed to an unnecessarily high USD or euro risk.
Unfortunately, some people on social media recommend that you should simply buy an all-world ETF and your portfolio will be complete. This advice is generally not good and is risky for people in Switzerland!
So take a look at the free webinar in January or in FinanzFahrplan (in german) over.
Kind regards,
Eric
Hello Eric
Extremely great platform you have here. My compliments on what you have created here! I'm brutally enthusiastic! The added value you offer here is incredible.
A year ago, I opened a custody account with VZ with a somewhat naive attitude. The sole reason for doing so was so that I could save in an ETF with lower fees than a fund at my house bank. At that time, I didn't have too much knowledge about ETFs. In the meantime I have learnt more and would like to manage the ETF myself and benefit from lower fees, as these eat into the return. I would like to save in an MSCI World with Swissquote. The fees at VZ in addition to the TER are 0.55% flat rate. So all in all around 0.75% in total.
What about the exchange rate fee at Swissquote if the ETF is in dollars? Don't the exchange rate fees (up to 1%) eat up a lot of the return? The trading centre would be the Swiss stock exchange. It is not clear to me what effective costs are to be expected in addition to the TER if, for example, CHF 1,500 is invested quarterly in the iShares Core MSCI World UCITS ETF IE00B4L5Y983. The currency of the fund is the dollar. Could you please clarify this for me with an example calculation? The TER is 0.20%. What additional costs are there in addition to custody account fees at Swissquote? I am asking because I could theoretically deposit the same ETF with VZ, but the annual costs are 0.75%, i.e. TER plus the VZ flat fee of 0.55%. Perhaps the package at VZ is not too bad after all with all the additional costs from other platforms when these are added together?
Thank you very much for the clarification, which I greatly appreciate.
Thank you so much for your positive feedback, Ramon, I'm delighted! 🙂
It's a bit difficult to extrapolate here in the comments section. But let's look at it in simplified terms: Purchase costs including exchange rate fees are only due once (or when buying and selling). On the other hand, ongoing high fees in the form of a TER or otherwise, burden your investments for all future years.
An exchange rate fee on purchase is therefore quickly exceeded by ongoing annual fees.
The VZ or other robo advisor naturally also pay these fees and therefore charge them to you in the form of their ongoing fees. If a provider engages in frequent rebalancing, even higher costs are incurred.
You can see the total fees for your ETF purchase here in the Swissquote contribution 🙂
Kind regards,
Eric
What do you think of fianzen.net zero? You can also open an account there as a Swiss citizen. But I'm not sure about the taxes.
Hello Rolf,
Thanks for the tip! I didn't know about the offer or that Swiss people are also allowed to invest there. I'd be happy to take a closer look. If it is relevant, there will be a blog post about it 🙂
I am also very interested in this provider. However, the account is held in EUR. As a Swiss citizen, isn't that a bit of a risk?
This is definitely a risk that should not be underestimated. In the last 30 years, the euro has lost a good 43% in value against the franc. Accordingly, the currency risk should always be considered when investing abroad.
What is the current situation with YUH and the savings plans? Which ETF would you recommend there as a beginner with 300 to 500 francs per month?
For reasons of diversification, it makes sense to have the Global Blue Chips in CHF (MSCI World) or in USD (FTSE All World). If you want to take a factor into account, there is also the FTSE All World High Dividend or the MSCI World Momentum.
Are they available at Yuh?