Fund savings plan: turning dreams into goals
People who save on a regular basis are investing systematically and long-term in the realisation of their life dreams. With the ZugerKB fund savings plan you can do this flexibly and in an optimised way. You should ideally invest on an ongoing basis and in keeping with your means, participating directly in the markets of your choice. This will bring you ever closer to your savings goals in carefully planned steps.
Advantages of fund-based saving
- Size and frequency of contributions can be freely selected
- With regular contributions you benefit from the "average price" effect
- Payouts are possible at any time
- Account management is free of charge
- Even with small savings contributions, you gain access to a diversified and professionally managed securities solution
- Capital gains from the fund savings plan are generally tax-free
- With a fund savings plan, you get 50% discount off your account set at Zuger Kantonalbank
Average price effect in brief
The average price effect is when investors regularly invest identical amounts in securities. It is also known as the “cost average” effect. And that’s precisely what happens with the fund savings plan: investors invest on a regular basis, usual-ly monthly, and purchase fund units. When prices are low they receive more units for the sum invested, and in months when prices are high they receive fewer units. Regular investments serve to offset price fluctuations and reduce risks: there is no one bad time to invest, and investors do not run the risk of paying too high an entry price.
A little goes a long way
Example
Maren and Jan are in their mid-20s and are saving for a future together. They want to use their savings for a big trip – or simply to have a bit of cash put aside: they are dreaming big. As a first step they are putting CHF 1,000 from their savings account into their newly opened fund savings plan. They will then invest CHF 250 a month for 18 years and will benefit from the average price effect. Compared with a savings account, Maren and Jan can thus participate in the stock market trend and will have an opportunity to achieve higher savings.
With the assets they have saved – just under CHF 70,000 – they can afford to dream big. Of course they can also open one fund savings plan each and save that way.
Overview of fund savings plans
Fund spectrum
Strategy funds
| Investment funds | Factsheets | KIDs | Price |
|---|---|---|---|
| ZugerKB Fonds – Strategie ESG Konservativ (CHF) | DE / EN | DE / EN | |
| ZugerKB Fonds – Strategie ESG Ausgewogen (CHF) | DE / EN | DE / EN | |
| ZugerKB Fonds – Strategie ESG Dynamisch (CHF) | DE / EN | DE / EN | |
| Swisscanto (LU) PF Responsible Select (CHF) | DE | DE | |
| Swisscanto (LU) PF Responsible Balance (CHF) | DE | DE | |
| Swisscanto (LU) PF Responsible Ambition (CHF) | DE | DE |
Equity funds
| Investment funds | Factsheets | KIDs | Price |
|---|---|---|---|
| ZugerKB Fonds – Aktien ESG Schweiz (CHF) | DE / EN | DE / EN | |
| ZugerKB Fonds – Aktien ESG Europa (EUR) | DE / EN | DE / EN | |
| ZugerKB Fonds – Aktien ESG USA (USD) | DE / EN | DE / EN | |
| iShares Core SPI® ETF (CH) (CHF) | DE | DE | |
| iShares Core MSCI Europe UCITS ETF EUR (Acc) (EUR) | DE | DE | |
| Vanguard S&P 500 USITS ETF (USD) | DE | DE | |
| iShares Core MSCI Emerging Markets IMI UCITS ETF (USD) | DE | DE | |
| UBS ETF – MSCI World Socially Responsible UCITS ETF (USD) A-dis | DE | DE |
Real estate
| Investment funds | Factsheets | KIDs | Price |
|---|---|---|---|
| UBS (CH) Prop. Fund – Swiss Mixed Sima (CHF) | DE |
Arrange an appointment
Any questions about the fund savings plan? Please get in touch – we’ll be happy to discuss your individual situation in a non-binding consultation.
Legal disclaimer
This publication is for information and marketing purposes only and does not constitute an offer, a solicitation or a recommendation to buy or sell any particular product, to effect transactions or to conclude any legal transaction. Collective investment schemes are not free of risks. They are subject to the laws of the market. The risks associated with an investment fund are explained in detail in the respective sales prospectus. Prospectuses and annual and semi-annual reports of the respective investment funds can be obtained free of charge from Zuger Kantonalbank. Before making a decision based on this information, it is strongly recommended that you read the full product documentation. The recipient of this publication is not discharged by this publication from his or her own judgment and should in each case also refer to the specific product documentation as well as the Swiss Bankers Association brochure on "Risks Involved in Trading Financial Instruments" (available via the homepage of the Swiss Bankers Association: https://www.swissbanking.org) for information. To the extent permissible by law, the bank excludes any liability for any losses, whether based on this information or as a result of the risks inherent in the financial markets. Furthermore, this publication is intended only for persons resident in Switzerland who, in addition, are not US Persons and, therefore, explicitly not for persons whose nationality and/or residence prohibit access to such information pursuant to applicable law. Neither this publication nor copies thereof may be sent or taken abroad. The bank accepts no responsibility for any actions of third parties to this effect. Furthermore, Zuger Kantonalbank shall not be liable for any loss or damage arising from the distribution or use of this publication.