INVEST EASY

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.

• 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:

• 0.25% on the first tranche of CHF 50’000
• 0.15% on the tranche from CHF 50’000.01 up to CHF 100’000
• 0.10% over CHF 100’000

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.

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 subject to change over time, depending on the underlying costs and the weight of each underlying.

The following fees are already included in the offer:

• Transaction fees
• Deposit fees
• Incoming fund transfers (from bank or post office accounts)
• Outgoing payments in Switzerland and Liechtenstein in CHF/EUR and SEPA credit transfers
• Annual report/Tax return/Income statement

Furthermore, no stamp duties are applicable.

The following costs are not included in the offer:

• Stock exchange fees
• Exchange fees (spread) if deposit/reinvestment is made in a currency other than CHF: 0.95%

A strategy is active and a switch effective as soon as it is selected, and up to the moment where you decide to stop it via the Setup option.

The funds will be invested no later than the following business day after the deposit is made. Please bear in mind that the funds will only be invested if the minimum initial and/or reinvestment deposit amount is reached (CHF 500* for initial deposit, CHF 100* for reinvestments).

*Or any other currency of your choice (EUR, USD or GBP)

• Once the minimum deposit is made (CHF 500* for initial deposit, CHF 100* for reinvestments): No later than the following business day.
• When switching between investment strategies: No later than 2 business days after the switch.
• During the review of the strategies by our Investment Committee, if changes are applied (composition, weighting, etc.): Quarterly.

*Or any other currency of your choice (EUR, USD or GBP)

The investment strategies propose Tracker Certificates, tailor-made by Swissquote’s experts. With Tracker Certificates, investors have simple and cost-effective means of investing in an entire stock market without having to own each of the individual stocks, fixed income, commodities, real estates or cryptos. Tracker Certificates also facilitate access to exotic markets in which clients would otherwise not be able to trade via their bank or broker.

Tracker Certificates have been for years one of the most popular structured products. They trade in lockstep with the price movements of a given index. Most of these products are tied to recognised stock market barometers. Thus, with a single investment in a Tracker Certificate, investors can diversify their risk exposure across a wide range of individual stocks, fixed income, commodities, real estates or cryptos through ETFs and ETPs.

To know more about the composition of each strategy, with the type of investment products proposed and the assets list, click on the links below:

• Prudent Strategy composition
• Balanced strategy composition
• Ambitious Strategy composition