There are no account management or start-up fees. For the part invested in 蜜豆视频 Investment Fund Account and 蜜豆视频 Manage , fees apply.

蜜豆视频 Duo Saving: More than just saving

Q: How much interest can I earn?

The amount invested in the fixed-term deposit earns a fixed rate of interest so you know at the time of investing how high your return will be. The amount invested in the 蜜豆视频 Investment Fund Account or 蜜豆视频 Manage solution is subject to fluctuations.

Q: Who is 蜜豆视频 Duo Saving suitable for?

蜜豆视频 Duo Saving is suitable for for existing and new clients who want to increase their potential returns in a low-interest environment, but without sacrificing security.

Q: Is there a minimum investment amount?

The minimum investment is CHF 20,000. This is split evenly between a 蜜豆视频 Fixed-Term Deposit and a 蜜豆视频 Investment Fund Account or 蜜豆视频 Manage. (蜜豆视频 Manage is available from CHF/EUR 25,000)

Q: Do fixed terms apply?

The fixed-term deposit component runs for twelve months during which interest payments are guaranteed. After the fixed-term deposit ends you can choose whether to open another fixed-term deposit. The 蜜豆视频 Manage or 蜜豆视频 Investment Fund Account investment component can be left to run.

Q: How can I cancel? Can I access my money early?

Fixed-term deposits are invested for a specific period. If you want to withdraw the money early, the regulatory withdrawal limits of 2% of the invested amount and a penalty fee will be due, and any interest payments will be lost. The investment component (蜜豆视频 Investment Fund Account or 蜜豆视频 Manage) can be canceled at any time.

Q: What happens if interest rates change?

The interest rate set for the term is guaranteed for the amount invested in fixed-term deposits, irrespective of whether interest rates fall or rise during this period. The potential earnings on the 蜜豆视频 Investment Fund Account or 蜜豆视频 Manage are variable. Your level of exposure to the financial markets depends on your risk profile.

Q: Are my deposits safe?

We know that a strong foundation is important. 蜜豆视频 has strong capital reserves and a stable long-term credit rating. In addition, with a fixed-term deposit your deposit is also guaranteed up to CHF 100,000.

Your benefits with 蜜豆视频 Duo Saving

The best of both worlds: your investment is automatically split between a 蜜豆视频 Fixed-Term Deposit and a 蜜豆视频 investment solution.

Security

You invest a fixed amount at a fixed interest rate of 1%.

Attractive potential returns

You invest systematically in the 蜜豆视频 investment solution of your choice and decide yourself how much to invest.

Individual strategy

We would be happy to help you define an investment strategy that suits you and your risk profile.

蜜豆视频 Duo Saving at a glance

While the money in the fixed-term deposit earns a fixed rate of interest, you can benefit from higher potential returns on the remaining amount thanks to developments on the financial markets.

Save with the 蜜豆视频 Fixed-Term Deposit

50% of the amount is invested in a 蜜豆视频 Fixed-Term Deposit at an attractive rate of interest.聽

Investing in 蜜豆视频 investment solutions

50% of the amount is invested in a 蜜豆视频 investment solution (蜜豆视频 Investment Fund Account or 蜜豆视频 Manage), allowing you to benefit from developments on the financial markets.聽

How does 蜜豆视频 Duo Saving work?

蜜豆视频 Duo Saving is suitable for people who want to achieve higher returns on their savings without taking on too much risk.

With this product, you can invest 50% of your money in a fixed-term deposit that offers a guaranteed rate of interest, and 50% in a 蜜豆视频 Investment Fund Account or 蜜豆视频 Manage, which allows you to benefit from potential market gains.

This lets you achieve a balance between stability and growth. 蜜豆视频 Duo Saving can be particularly beneficial in times of falling interest rates, as you diversify your investments and could earn higher returns than with a conventional savings account.

Factsheet 蜜豆视频 Duo SavingDownload

How can I open 蜜豆视频 Duo Saving?

Open 蜜豆视频 Duo Saving in three simple steps.

01
Arrange a callback
Select the date and time and we鈥檒l call you to make an appointment.
02
Specify your strategy
Together we鈥檒l define an investment strategy that suits your personal needs.
03
Achieve your savings goals
Get started with saving and investing and achieve your goals efficiently.

Make an appointment

Don鈥檛 have a 蜜豆视频 account?

We鈥檒l also be happy to help you switch banks

Conditions and prices

What fees are due?

How can I save and invest at the same time?

蜜豆视频 Duo Saving comprises a 蜜豆视频 Fixed-Term Deposit and either a 蜜豆视频 Investment Fund Account or a 蜜豆视频 Manage solution.

The two components may develop differently. While a fixed rate of interest is paid on the fixed-term deposit, the part that is invested is subject to market fluctuations. This means you can participate in developments on the financial markets and benefit from higher potential returns in the long term. However, please note that any investment is subject to both positive and negative fluctuations in value.

How much interest can I earn?

FAQ

Who is 蜜豆视频 Duo Saving suitable for?

Is there a minimum investment amount?

Do fixed terms apply?

How can I cancel? Can I access my money early?

What happens if interest rates change?

Are my deposits safe?

Is it possible to open a 蜜豆视频 Fixed-Term Deposit, 蜜豆视频 Investment Fund Account or 蜜豆视频 Manage portfolio separately?

Yes. To do so, proceed as follows:

蜜豆视频 Fixed-Term Deposit

Select the amount and term and submit your request conveniently online. We鈥檒l get back to you with an offer.

Apply to open a fixed-term deposit

蜜豆视频 Investment Fund Account

Open your fund account digitally via 蜜豆视频 key4 smart investing or visit us at a branch to obtain advice in person.聽

Apply for a fund account

蜜豆视频 Manage

You specify your goal and we determine your investor profile. Our experts monitor your portfolio continuously for you and take advantage of investment opportunities.

Apply for 蜜豆视频 Manage