CLEVERINVEST PORTFOLIO

MUCH BETTER THAN JUST SAVING.

CLEVERINVEST EXPLANATORY FILM

MAKING MORE FROM YOUR MONEY COULD NOT BE EASIER.

Sustainable investment in tune with the times.

cleverinvest is Bank CIC’s intelligent solution for continuously building up your assets, even with small amounts. Learn about the benefits of our flexible alternative to a conventional savings account. Even with a small starting balance, you can enjoy opportunities for higher returns.

Instead of selecting individual shares, you can focus on current and attractive themes. This is because cleverinvest s a focused and low-cost way of using shares to invest in trends and themes without having to worry about events on the financial markets. You yourself determine the percentage weighting in your portfolio.

cleverinvest is suitable for those with little investment experience but who still want to profit from opportunities for attractive returns. At the same time, the offer is aimed at all private individuals keen to invest in line with their personal interests.

RETAIN COMPLETE FLEXIBILITY WITH CLEVERINVEST.

You do not need to be wealthy to start building up your assets: cleverinvest is available with a starting balance of as little as CHF 1,000. You then set the amount you would like to pay in. Once the cumulative deposits reach CHF 50, your capital is invested again automatically. That way, you can continuously build up your assets in a way that suits your budget.

If you need some or all of your savings at short notice, making transfers at any time is no problem – there are no rules on withdrawals.

It could not be easier to tailer cleverinvest to your needs:

1. Select equity weighting*

2. Select investment themes

3. Pay in and enjoy the benefits

* You will be asked a few questions about your profile to help you select the equity weighting. The recommended equity weighting is calculated on the basis of the answers you give. However, you also have the option to set your desired equity weighting yourself afterwards. Weightings of 20%, 45%, 70% and 95% are available. In addition, there is a 5% liquidity weighting. The rest is invested in Swiss bonds. Within the equity weighting, you select themes that best match your interests. Based on the selection made, the amount invested is automatically placed in an appropriate ETF or index fund.

 

Select the themes that interest you the most. Examples include disruptive technologies, smart cities, future mobility, real estate, sustainability and many more besides. Bank CIC’s investment experts look for themes which illustrate trends in societal, market and macroeconomic developments and offer the prospect of high growth potential and return opportunities in the medium and long term. They then select the best funds that fully capture the relevant theme and offer the best value for money. Themes can be viewed in detail here.

But that’s not all: You can arrange to invest automatically with a standing order in order to continuously build up your assets. Follow-up payments from as little as CHF 50 can also be made without a problem. This means that there is nothing else you need to do. You will also benefit from lower average prices. This is because making payments at regular intervals over a longer period – irrespective of the market situation – removes the hassle of trying to find the ideal time to invest, i.e. to find the most favourable price.

Once you have built up capital, you can withdraw it using a payout plan. This lets you determine how much is paid out, and how frequently. You can choose who receives these payments. This is suitable, for instance, as a way of providing monthly financial support to children while they are studying, doing an apprenticeship or spending an extended period abroad.

 

Open a cleverinvest portfolio

As an existing client of Bank CIC you can open a cleverinvest portfolio conveniently within 10 minutes in your CIC eLounge. If you do not yet have an account at Bank CIC or do not yet use CIC eLounge, please complete the application below to open a cleverinvest portfolio. We will then get in touch with you.