UBS key4 smart investing

Yes, you can! When you first open UBS key4 smart investing, you will be asked if you want to invest for yourself or for a child. There's just one difference compared to opening UBS key4 smart investing for yourself: you will first be asked to open a free gift savings account for the child. This is so that the new UBS key4 smart investing can be linked to the child's account. But don’t worry, you’ll be guided through every step of the process.

Both are fund accounts, but they have different features. In a nutshell, UBS key4 smart investing lets you handle things digitally and on your own, whereas with the UBS Investment Fund Account, our experts will be by your side. Good to know: both options allow you to invest sustainably.

Here is a more detailed comparison:

UBS key4 is the new digital product line from UBS. The associated products are integrated into the existing UBS Mobile Banking App.

The basic digital offering is called UBS key4 banking and includes a personal account, a sustainable savings account, a UBS key4 Credit or Prepaid Card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the bonus program UBS KeyClub. UBS key4 banking is free of charge for young people (up to 26) and students (up to 30).

You can select funds in two ways:

1. As easy as possible
   We suggest three UBS investment funds that match your investment time frame and risk tolerance, and you select one of them.
2. Theme based
   Select up to five funds by theme (such as sustainability or digitalization) or with a focus on specific regions (e.g., Switzerland or Europe).
    

You can make deposits as often as you want. We recommend doing so regularly with a standing order. This will increase your likelihood of achieving a lower average cost price and therefore improving your long-term returns (“cost average effect”). As an investor, you can use this effect to increase your returns on your regular deposits / investments. Investors obtain more shares when fund prices fall and fewer when they rise. Over an extended period, investors then pay a lower average price for their shares. This is especially true compared to investors who purchase all their shares at once or decide to purchase a fixed number of shares.