What is the minimum amount I have to deposit/ the maximum amount I can deposit? Do I have to make regular deposits?

In order for our partner bank, the Hypothekarbank Lenzburg (HBL), to activate your findependent account at the beginning, you must deposit at least 1 franc in the first 3 months. (If you do not make an initial deposit within this period, HBL will close your account).

As soon as you have activated your account with an initial deposit, you are in principle completely free to decide whether and when you would like to deposit further money into it.

In order to initially build up your broad-based investment solution, the minimum amount is CHF 500 per investment goal. However, you can also transfer smaller amounts and as soon as your deposits total at least CHF 500, we will invest the money.

And so that we can invest your further deposits in a cost-optimised manner, they should amount to at least 50 francs. Again, if you deposit less than this, we will simply wait for another deposit and the money will remain safely in your HBL account. Since we also use an ETF that costs around 130 francs, we occasionally wait until there is enough money to buy this ETF.

If you have put together your own investment solution in the app, this will be implemented from an investment amount of 5,000 francs. Here, too, the amount applies per investment goal.

There is no maximum amount. If you plan to invest a large amount of money, we recommend depositing it in stages. But even with a small investment sum, it is worth dividing it into regular and equal amounts. In this way, you can avoid having caught a bad moment in retrospect.

Although we recommend a regular deposit, it is by no means mandatory.