Swissquote Invest Easy experiences like Invest Easy fees advantages disadvantages and other Invest Easy Swissquote features Swissquote Robo Advisor comparison vs Yuh vs Selma vs True Wealth

Swissquote Invest Easy experience

With Invest Easy Swissquote created a new solution alongside its Robo Advisor and its trading offering. But how attractive is the Simple saving and investing via Invest Easy really and what are currently the best alternatives?

In this review you'll get the latest Swissquote Invest Easy experience and everything you need to know about Invest Easy!

Table of contents

What is Swissquote Invest Easy?

Swissquote is actually known for its attractive Trading offer. There you can buy shares, ETFs and other securities at low prices.
The advantage? Maximum flexibility. The disadvantage? You have to choose all the securities yourself and manually create an investment strategy for yourself.

Here comes the Invest Easy Function from Swissquote comes into play. With Invest Easy, the tedious work of building a portfolio is taken away from you. With just a little effort, you can start putting your money to work.

Whether you want to invest money once with Invest Easy or invest via a savings plan is up to you. Do you know what's best?

 

Swissquote Invest Easy advantages

  • Attractive interest rates for your cash
  • Simple Possibility to invest your money
  • Transparent and fair fees (more on this in a moment)
  • Low minimum deposit from CHF 500
  • Regular savings plans From a savings rate of CHF 100 per month
  • Finished, balanced investment strategieswhich you can take over directly
  • Free extract for the tax return by the end of the year

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You can choose these Invest Easy investment strategies

  • Savings strategy: All in cash and up to 2% interest (tip from us: keep your money in CHF to avoid foreign currency risk).
  • Careful: 25% shares, 60% bonds, 10% real estate and 5% commodities. Majority held in Swiss francs.
  • Balanced: 45% shares, 40% bonds, 10% real estate and 5% commodities. Half held in Swiss francs.
  • Ambitious: 75% in equities, 13,63% in bonds, 5% in real estate, 5% in commodities and 1,37% in cryptocurrencies. Majority held in US dollars.

Swissquote Invest Easy fees

For the investment function, you will therefore total between 0.74% to 0.81% per year charged for the annual administration and the product fee.

By the way, there are no stamp or custody fees. Stock exchange fees are passed on to you.

When saving, no fees are charged on a regular basis. but you will be charged 1% if you withdraw more than CHF 25,000 in a single month.

Invest Easy Disadvantages

  • Withdrawal limit with a fee of 1% from CHF 25,000 per month in the savings function. You should therefore spread larger cash withdrawals over several months and plan them in advance.
  • Deposits in foreign currencies cost 0.95% exchange fee. This is a pity because providers such as True Wealth offer deposit in foreign currencies.
  • The Administrative fees of 0.60% and the Product fees add up to 0.81% per year. That is fair, but there are also cheaper investment solutions.
  • Higher risk: The investment strategies are implemented via Tracker certificates mapped. For Swissquote, this makes implementation significantly easier, as the strategy is mapped with only one security. However, you may suffer a deterioration in performance and bear the issuer risk. If Swissquote becomes insolvent, the certificates lose their value. (Note: With the Swissquote Trading Offer you can invest directly in "real" ETFs and shares and thus not bear this risk).

Difference Invest Easy Swissquote vs. trading offer

There are two Main argumentswhich is why you for Swissquote Invest Easy you might be interested in.

  1. You want to be the Simplicity start with Invest Easy for the sake of it? Then the offer can be very exciting for you. Possible alternatives in this case would be Other automated investment solutions and robo advisorswhich are partly cheaper.
  2. If you don't have a problem building your own portfolio, you might want to consider Invest Easy vs. Swissquote Trading compare.

The Trading offer is depending on the use significantly cheaper. Provided, of course, you pay attention to the fee structure and avoid smaller purchases/sales. The two products are not really in competition.

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So maybe there is a third variation on why Invest Easy could be exciting!

The Invest Easy function of Swissquote can also be used for serve as a supplement to trading. The simplest option? You can park cash in your trading account that you don't currently need in the Invest Easy savings solution in an attractive yet liquid way. There is also interest on the trading accountbut a comparison may be worthwhile. Just remember the withdrawal limit.

Another application would be the Addition of a targeted portfolio, in addition to your portfolio in the Trading area. In this way, you can create a separate investment strategy with just a few clicks. You can find out why this can be useful and how it works in the FinanzFahrplan (in german).

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Swissquote Robo Advisor vs. Invest Easy

Perhaps you are aware that there is also a Swissquote Robo Advisor exists. This has continued to exist since Invest Easy and differs mainly as follows:

  • A higher minimum investment of CHF 50,000 (instead of CHF 500 with Invest Easy)
  • The Swissquote Robo Advisor costs are 0.75% lower (instead of up to 0.81% with Invest Easy)
  • More functions and possibilities

Conclusion

With Invest Easy Swissquote has created what at first sight appears to be an exciting opportunity, easy to invest. 

Invest Easy is based on a Mixture of saving and investing and the investment strategies are broadly positioned internationally. The fact that investments are based on Tracking certificates is not ideal for investors. 

A 100% Share strategy does not exist. Probably also because this can be implemented much more cheaply in Swissquote Trading.

Invest Easy can be exciting for you if you are looking for a simple option for your investments or if you want to map a second, smaller savings target at Swissquote with a different strategy. Remember, however, that with Invest Easy you bear the issuer risk of the tracking certificates.

Should you have a Swissquote Trading Depot have and there is cash there that is not needed, Invest Easy can choose, depending on the interest rate situation, for a attractive interest worthwhile. (Depending on where the interest rates are currently highest). This also avoids the problem of tracking certificates.

Incidentally, an exciting combination would also be a supplement with Yuh. If you Yuh you don't know yet, you should definitely check out this app.

2 responses

  1. I encountered two disadvantages with Invest Easy that are not mentioned here:
    - It is not possible to sell only units of the fund. You can only sell the entire fund.
    - You have no control over the price at which the fund is sold. In my case, the price was ultimately 1% lower than when I liquidated the fund.

    The funds are traded on SIX. I wonder if you can get round these restrictions by buying directly there. (e.g. ISIN CH1236310533)

    Reply

    1. Hello Bänz,
      Thank you for your comments. This is almost always the case with an asset manager - control is relinquished and there is no way to intervene everywhere.
      If you want to control "everything" yourself, a Online brokers would probably be the more suitable choice.

      Reply
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