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With Invest Easy Swissquote created a new solution alongside its Robo Advisor and its trading offering. But how attractive is the Simple saving and investing via Invest Easy really and what are currently the best alternatives?
In this review you'll get the latest Swissquote Invest Easy experience and everything you need to know about Invest Easy!
Swissquote is actually known for its attractive Trading offer. There you can buy shares, ETFs and other securities at low prices.
The advantage? Maximum flexibility. The disadvantage? You have to choose all the securities yourself and manually create an investment strategy for yourself.
Here comes the Invest Easy Function from Swissquote comes into play. With Invest Easy, the tedious work of building a portfolio is taken away from you. With just a little effort, you can start putting your money to work.
Whether you want to invest money once with Invest Easy or invest via a savings plan is up to you. Do you know what's best?
Your key to success! Discover our top recommendations from real testimonials.
| Annual management fee | Product fee "Cautious" strategy | Product fee "Balanced" strategy | Product fee "Ambitious" strategy |
|---|---|---|---|
| 0.60% | 0.21% | 0.19% | 0.14% |
For the investment function, you will therefore total between 0.74% to 0.81% per year charged for the annual administration and the product fee.
By the way, there are no stamp or custody fees. Stock exchange fees are passed on to you.
When saving, no fees are charged on a regular basis. but you will be charged 1% if you withdraw more than CHF 25,000 in a single month.
There are two Main argumentswhich is why you for Swissquote Invest Easy you might be interested in.
The Trading offer is depending on the use significantly cheaper. Provided, of course, you pay attention to the fee structure and avoid smaller purchases/sales. The two products are not really in competition.
So maybe there is a third variation on why Invest Easy could be exciting!
The Invest Easy function of Swissquote can also be used for serve as a supplement to trading. The simplest option? You can park cash in your trading account that you don't currently need in the Invest Easy savings solution in an attractive yet liquid way. There is also interest on the trading accountbut a comparison may be worthwhile. Just remember the withdrawal limit.
Another application would be the Addition of a targeted portfolio, in addition to your portfolio in the Trading area. In this way, you can create a separate investment strategy with just a few clicks. You can find out why this can be useful and how it works in the FinanceTimetable.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Perhaps you are aware that there is also a Swissquote Robo Advisor exists. This has continued to exist since Invest Easy and differs mainly as follows:
With Invest Easy Swissquote has created what at first sight appears to be an exciting opportunity, easy to invest.
Invest Easy is based on a Mixture of saving and investing and the investment strategies are broadly positioned internationally. The fact that investments are based on Tracking certificates is not ideal for investors.
A 100% Share strategy does not exist. Probably also because this can be implemented much more cheaply in Swissquote Trading.
Invest Easy can be exciting for you if you are looking for a simple option for your investments or if you want to map a second, smaller savings target at Swissquote with a different strategy. Remember, however, that with Invest Easy you bear the issuer risk of the tracking certificates.
Should you have a Swissquote Trading Depot have and there is cash there that is not needed, Invest Easy can choose, depending on the interest rate situation, for a attractive interest worthwhile. (Depending on where the interest rates are currently highest). This also avoids the problem of tracking certificates.
Incidentally, an exciting combination would also be a supplement with Yuh. If you Yuh you don't know yet, you should definitely check out this app.
2 responses
I encountered two disadvantages with Invest Easy that are not mentioned here:
- It is not possible to sell only units of the fund. You can only sell the entire fund.
- You have no control over the price at which the fund is sold. In my case, the price was ultimately 1% lower than when I liquidated the fund.
The funds are traded on SIX. I wonder if you can get round these restrictions by buying directly there. (e.g. ISIN CH1236310533)
Hello Bänz,
Thank you for your comments. This is almost always the case with an asset manager - control is relinquished and there is no way to intervene everywhere.
If you want to control "everything" yourself, a Online broker would probably be the more suitable choice.