Fund savings plan

A fund savings plan is a long-term strategy for building wealth. Investors regularly (e.g., monthly) invest a fixed amount in an investment fund or ETF, usually by standing order. Investors can choose the savings rate and savings interval themselves. Adjustments can also be made during the term. Diversified funds spread the risk across numerous individual securities. Regular savings into a fund lead to an average cost effect.

Since traditional investment funds, which can be purchased via a bank's e-banking system, are expensive, ETF savings plans are becoming increasingly popular. It should be noted that this is an execution-only transaction. This means that investors must be aware of and manage the risks themselves. This includes regularly rebalancing the portfolio. Investors can delegate this effort and the associated responsibility to a digital asset manager, for example.