Investment fund savings plan
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Build up your assets step by step with the investment fund savings plan
Even small amounts can make a difference. Regular deposits build up assets over the long term – transparently, flexibly and in line with your personal objectives.
The savings plan brings structure to your savings and opens up access to the world of capital markets. Broadly diversified investments, reduced risk and the option of making adjustments at any time turn saving into real future planning.
The advantages at a glance
How it works – fund saving in just a few steps
You can easily put together your own investment fund savings plan – with a combination of theme funds and Strategy Funds. Theme funds allow you to focus on specific areas, such as future-oriented topics like technology, sustainability or health. The Strategy Funds complement the portfolio with a stable basis tailored to your individual risk profile.
In just a few clicks, you can create a fund savings plan that fits your objectives – understandable, flexible and sustainable. Use the calculator below to select your preferred theme funds and configure your savings plan to suit your individual needs.
Investing in future trends - VP Bank theme funds
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What do we mean by risk tolerance?
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Frequently asked questions about investment fund savings plans
Why save with funds?
Traditional savings accounts offer hardly any returns – and inflation reduces purchasing power. If you want to achieve objectives such as education, home ownership or retirement provision, you need a flexible investment strategy.
A fund savings plan combines regular saving with professional investment – individually tailored, broadly diversified and transparent.
This is a smart alternative to a savings account, especially for children, with better return opportunities and 0% all-in fees if the plan is in the child's name.
How does depositing work?
Deposits can be made flexibly – by standing order or manual transfer to the fund savings plan account. You can start with as little as CHF 100 – with no minimum commitment.
What are the terms and conditions?
With a standing order or individual payments, you can transfer money to the fund savings plan account flexibly – as often and whenever you want. No large amounts are required: you can invest from as little as CHF 100. The money invested has the potential to achieve more in the long term than in a traditional savings account. Attractive conditions apply in combination with the VP Nova Start and VP Nova Next banking packages – including a transparent all-in fee of 0% and 0.25% respectively.
How does setting up a fund savings plan work?
With a standing order or individual payments, you can transfer money to your fund savings plan account flexibly – as often and whenever you want. No large amounts are required: you can invest from as little as CHF 100. The money invested has the potential to achieve more in the long term than in a traditional savings account. Attractive conditions apply in combination with the VP Nova Start and VP Nova Next banking packages – including a transparent all-in fee of 0% and 0.25% respectively.
Why is fund saving more worthwhile than a traditional savings account?
| Amount saved per month | Savings accumulated after 20 years |
|---|---|
| 100 | 24'000 |
| Your asset growth | Your asset growth after 20 years | Your assets after 20 years |
|---|---|---|
| … with a savings account | 1'243 | 25'243 |
| … invested in a fund | 12'503 | 36'503 |
While savings accounts offer an average return of around 0.5%, the average return on fund investments is significantly higher at around 4.0%. Of course, such returns are not guaranteed. The figures shown are based on historical performance and may vary in the future. Fees are not included in the presentation, but may reduce the return.
What are investment funds – and how do they work?
Investment funds pool the capital of many investors and invest it in a broadly diversified manner – for example in equities, bonds or real estate. This reduces risk and allows market opportunities to be better exploited. Even small amounts can be used to build up long-term assets – professionally managed and clearly structured.
The building blocks of the investment fund savings plan explained simply
Fund selection is at the heart of every savings plan – the fund savings plan offers two strong building blocks for this: thematic funds and strategy funds. Both have different focuses, but can be flexibly combined.
VP Bank thematic funds
VP Bank theme funds make it easy to invest in companies that are benefiting from major future trends – for example in the consumer, industrial or infrastructure sectors. There are three investment funds to choose from: VP Bank Future Citizen, VP Bank Future Industry and VP Bank Future Infrastructure.
Each of these funds bundles companies from a specific economic sector and is professionally managed – ideal for anyone who wants to invest in a targeted manner and grow with change over the long term.
VP Bank strategy funds
VP Bank Strategy Funds offer a simple way to invest globally and diversify across various asset classes such as equities, shares, bonds and other assets. Broad diversification across different markets and regions reduces the risk of price fluctuations.
This creates a stable foundation for long-term wealth accumulation – professionally managed and well balanced.
