UBS key4 smart investing: Invest money digitally

Q: What are the requirements for opening a UBS key4 smart investing solution?

You are a UBS client and have the UBS Mobile Banking App. You are resident in Switzerland and over 18 years old. You are not a US citizen and have no tax liability in the USA. You have a smartphone. UBS key4 smart investing is available to all our clients – including those who do not have UBS key4 banking.

Q: How do I select funds?

You can select funds in two ways: As easy as possible We suggest three UBS investment funds that match your investment time frame and risk tolerance, and you select one of them. Theme based Select up to five funds by theme (such as sustainability or digitalization) or with a focus on specific regions (e.g., Switzerland or Europe).

Q: Where can I check on the current performance of my funds?

The overview shows the overall performance of your UBS key4 smart investing portfolio across all funds. For fund-specific performance, tap on the portfolio and select “Positions” from the menu. You will now see the performance of the individual investment funds.

What makes UBS key4 smart investing smart?

Receive fund recommendations

We recommend different funds in line with your interests and your risk tolerance.

Stay flexible

Select the investment amount and duration. Adjust them at any time. On the go, in the app.

Plan ahead for your long-term goals

With a standing order, you can invest a small amount regularly, and have the money ready when you need it.

All you need to know in one video

Clear and transparent fees

With key4 smart investing, there are just 2 cost components:

0.9% of the invested assets annually. This covers the UBS custody service, the buying and selling fund shares, etc.
0.22-1.23% (TER) of the fund assets under management. These cover all the operating costs of a fund.

Clients under 26, students under 30 and clients investing for a child get a 50% discount on the flat fee - they only pay 0.45% of the invested assets annually.

Funds for everyone

Select the mode that’s right for you: choose your funds based on topics you care about or choose one single fund, hassle-free
Choose between actively and passively managed funds
Make regular payments to save money for your long-term goals and dreams

UBS key4 smart investing information sheetDownload

How could your investment look like in the future?

This simulation of an annual fund performance of 3% shows how your money adds up the longer you stay invested.

Set up now and start investing

01
Access UBS key4 smart investing
Log in to the Mobile Banking App and select "More" in the bottom right corner. Choose "UBS key4 smart investing".
02
Set it up
Follow the instructions to find out your risk profile, then choose from the suggested funds.
03
Get started
Enter your first payment to start investing. Even more convenient: set up a standing order to automatically invest regularly.

Are you new to UBS?

First, you need to have the UBS Mobile Banking App. You can download it by scanning the QR code.

How do investments work in general?

Would you like to know more about the effects of a long vs. a short investment period? Then, our investment calculator might be the right thing for you!

Play around with different values and see how they influence the result of an investment. For investments in funds, you can assume an annual value appreciation of 2-6%. Please note that this is just an indicative value without any guarantee with regards to the future fund performance.

Check the calculator now

Which funds are available?

UBS key4 smart investing offers a wide range of funds. You can choose from various topics such as digitization and mega trends, specify whether you prefer to invest passively or actively, and take your sustainability preferences into account.

Discover UBS key4 smart investing funds

FAQ

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What is UBS key4?

UBS key4 is the new digital product line from UBS. The associated products are integrated into the existing UBS Mobile Banking App.

The basic digital offering is called UBS key4 banking and includes a personal account, a sustainable savings account, a UBS key4 Credit or Prepaid Card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the bonus program UBS KeyClub. UBS key4 banking is free of charge for young people (up to 26) and students (up to 30).

What are the requirements for opening a UBS key4 smart investing solution?

How do I select funds?

When and how often can I deposit money?

You can make deposits as often as you want. We recommend doing so regularly with a standing order. This will increase your likelihood of achieving a lower average cost price and therefore improving your long-term returns (“cost average effect”). As an investor, you can use this effect to increase your returns on your regular deposits / investments. Investors obtain more shares when fund prices fall and fewer when they rise. Over an extended period, investors then pay a lower average price for their shares. This is especially true compared to investors who purchase all their shares at once or decide to purchase a fixed number of shares.

Which services are included in the price?

The following services are included in the price:

Investment advice via UBS Digital Banking for single transactions without taking the client portfolio into account
Automatic investment in UBS investment funds in accordance with investment instruction
Account and custody account management
Subscription (purchase via primary market) and redemption (sale via primary market) of shares in UBS investment funds, as well as their purchase or sale via securities trading (secondary market)
Access to asset classes without sales compensation (no retrocessions)

Where can I check on the current performance of my funds?

Can I open UBS key4 smart investing for a child?

Yes, you can do that! Once you start the opening of UBS key4 smart investing, you will be asked if you want to invest for yourself or for a child. One thing will be different when opening UBS key4 smart investing for a child: first, you will be led through the opening of a gift savings account. This is necessary so that the new key4 smart investing can be linked to the account of the child. But don’t worry, you’ll be guided through every step of the process.

How to invest for a child?

What are the differences between a UBS Investment Fund Account and UBS key4 smart investing?

Both are fund accounts, but they have different features. Basically, UBS key4 smart investing lets you handle things digitally and on your own, while, with the UBS Investment Fund Account, our experts will be by your side. Fun fact: both allow you to invest sustainably.

Here is a more detailed comparison:

Topic	Topic	UBS Investment Fund Account	UBS Investment Fund Account	UBS key4 smart investing	UBS key4 smart investing
Topic	Opening	UBS Investment Fund Account	You open the UBS Fund Account together with a client advisor in one of our branches or in a video call. The advisor will explain everything to you and guide you through the choice of funds.	UBS key4 smart investing	You open UBS key4 smart investing on your own in UBS Digital Banking. But you are not left on your own: the app will guide you through every step of the process and suggest funds to you.
Topic	Access and modifications	UBS Investment Fund Account	The UBS Investment Fund Account will be shown in your Digital Banking. If you want to change anything, e.g., the selected funds, your client advisor is happy to assist you.	UBS key4 smart investing	You access it via Digital Banking and can also perform changes there, e.g., choose different funds.
Topic	Costs	UBS Investment Fund Account	Administration fees, commissions for investing and disinvesting, and expenses like taxes per fund.	UBS key4 smart investing	There are two cost components: 0.9% per year on the invested assets plus ongoing fund costs per fund.

UBS Investment Fund Account

Would you rather set up a fund account with the help of an expert?

Arrange a meeting with one of our experts
Get their advice, e.g. about our selection of funds
Let them set up the fund account for you in Digital Banking

Explore the UBS Investment Fund Account

Need more answers?

Any questions? Here you’ll find answers in connection with UBS key4 smart investing

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UBS key4 smart investing