What does step-by-step investing look like?
Updated
by
Laurène
Are you trying to understand why Selma does not invest everything at once? Find out more in our article: Why does Selma buy things step-by-step?
Stepwise investing by Selma applies only to your regular investment account and mainly when you start investing with Selma (initial deposit). Stepwise investing does not apply for pillar 3a.
Depending on your individual investment plan, the steps and timeframe will look a bit different. To illustrate how Selma invests your money, we chose
- 6 different example starting sums
- an example investment plan higher up on the risk scale
Investment sum (in CHF) | 1st month | 2nd month | 3rd month | 4th month | 5th month |
2'000 | 2'000 | ||||
5'000 | 4'000 | 1'000 | |||
10'000 | 5'000 | 3'000 | 2'000 | ||
20'000 | 8'000 | 7'000 | 3'500 | 1'500 | |
50'000 | 13'000 | 12'000 | 12'000 | 9'000 | 4'000 |
100'000 | 22'500 | 22'500 | 22'500 | 20'000 | 12'500 |
This is only an overview. In reality your individual schedule might end up looking different depending on your risk profile, investment portfolio or if you have told Selma that you are already investing monthly. 🤓
Things to consider
- Stepwise is mainly relevant for your initial deposit in the investment account.
- Stepwise is not applied in Pillar 3a. In Pillar 3a your money will be invested all at once.
- When you already have investments and make a new deposit, Selma will compare the total amount of cash on the account to the size of your already existing investments in order to determine steps. Here, Selma tends to invest everything at once and not stepwise. E.g. an initial deposit of CHF 25’000.- is invested stepwise but an additional payment of CHF 25’000.- could be invested all at once.Â
- In case you do not want Selma to invest your money stepwise, please contact our support and we can deactivate it for you.Â
- When you change your investment strategy (e.g. standard vs. sustainable) your investment portfolio will be adjusted all at once and not stepwise.
