Most savings plans help you start. I designed this Swiss one for the months after. You see costs in francs before you start, including stamp duty, and pay by eBill or standing order.
Before starting
Among 2,005 Swiss investors, 44% used a fund savings plan and 9% used one with ETFs. HSLU study, 2025 ↗
Most apps show a risk warning or a past-returns chart. I show one bad case in francs: CHF 100 a month for five years is CHF 6’000 paid in. If prices fall 25% in year four, the plan is worth CHF 4’955.
In a down month
Six months into a CHF 200 plan, CHF 1’200 is paid in and the value is down CHF 96, or 8%. A portfolio screen would lead with the red number. I lead with six months in a row, and state the loss in francs below it.
Your investment is CHF 96 below what you’ve put in. Your monthly plan is active.
Wanting to stop
A down month may prompt a change of plan. Pause comes first, with a date it resumes by itself. Stop ends future purchases only. The units already bought stay invested, and the app says what to cancel at your bank.
25ETF purchase after your money arrives.
I’d measure how many plans still run after six months, and test whether people know what happens to their units when they stop.
Your investment is CHF 96 below what you’ve put in. Your monthly plan is active.
25ETF purchase after your money arrives.