Investment fund account Targeted saving and investing

With the investment fund account, you systematically build up assets – for example, in order achieve your own goals and dreams or to set money aside for your child, grandchild or godchild's future. The investment fund account offers attractive potential returns. You can also access your money at any time. 

The investment fund account at a glance

  • Targeted asset accumulation through regular payments
  • You decide how much you want to pay in
  • You can access your money at any time 
  • Diversification reduces the investment risk
  • A wide range of investment solutions that can be tailored to your investment profile

The investment fund account in detail

The investment fund account combines the benefits of a savings account with those of investment. Investment funds allow you to participate in financial market growth and to benefit from enhanced earnings potential over the long term compared with a savings account.

You decide how much you want to pay in to the investment fund account. As soon as the balance of your investment fund account exceeds CHF 250, it is invested in your chosen funds. The threshold for children, young adults up to the age of 20 and students is CHF 100. If the account balance is lower, favorable interest rates are paid on your money. 

Take a tip from us: make regular payments into your investment fund account using a standing order. You thereby increase your chances of a lower average cost price and increase your returns in the long term.

We offer a wide range of UBS investment funds with various potential yields. Higher potential goes hand in hand with greater fluctuations in value. That is why it is important that we fully understand your financial situation and your goals as well as your risk appetite. In an advisory consultation, we determine your personal investment profile and define the right investment strategy for you. 

The growth plan gives you the opportunity to build up assets systematically, according to your needs and preferences. Your money is automatically invested in your chosen UBS investment funds.

With the redemption plan, you regularly withdraw a certain amount from the money you have invested. These disbursements supplement your income without you having to worry about selling fund units. This is particularly interesting when you stop working.

Account currencies:



Growth plan or redemption plan




Up to 80 percent, any time

Interest rate:

Preferential interest rate on the amount not invested in funds: interest rates


Administration fee, issuing commission and third-party expenses and fees: conditions (PDF, 608 KB)
Preferential terms for young bank clients and young professionals
Separate statements for each investment


Free annual tax statements

Sound advice

To define the right investment strategy for you, we need to understand your financial situation and appetite for risk. We do this by drawing up your personal investment profile.

Gift savings account

The ideal gift that grows over time

An investment fund account allows parents, grandparents, godparents and other relatives to give children an easier financial start to their adult lives.