neon invest: easy, low-cost investing for you

We are taking another leap forward on our mission to bring forward the Swiss banking industry and make banking and – spoiler alert – investing as easy and accessible as possible: With neon invest, you can now buy and sell shares and ETFs right from the comfort of your couch (or your favourite hangout spot, we don't judge). Say goodbye to the days of feeling overwhelmed and left out of the investing game, because neon is putting the power in your hands! 

We know that investing in the market can seem like a daunting task, with all those complex terms and charts that can make your head spin faster than a roller coaster. That’s why we made the experience of investing as simple as we could – but the risks remain the same, no matter how simple the experience itself is. 

Now, grab a cup of your favourite beverage and get cosy because we're about to take you on a short journey through the new world of neon invest! Ready? Go!

The Announcement

Picture this: you're sitting on your couch (or, again, wherever you feel most comfortable), scrolling through your social media feed, when a notification pops up and catches your eye. It's an email from neon, your trusty account app, announcing their brand-new feature called neon invest. You've always been curious about investing but never knew where to start. This could be your chance! You decide to give it a shot, so you open the neon app and embark on your investment journey.

You tap on the new neon invest tab, take your time to read all the documents needed to start investing, and confirm that you understood them by checking the boxes. And next thing you know, you’re presented with a curated selection of shares and ETFs, each with its own story and potential. neon has done most of the heavy lifting for you, narrowing down the choices and categorising the different titles to help you avoid the infamous analysis paralysis. 

You start browsing through the categories and discover the different shares and ETFs that are available to you. Now it’s your turn: You go and read up on the different companies that interest you, you dig through their earnings reports and study different sources to make sure that what you’re going to buy is what you actually want. This also means that you study the factsheets available in the app to inform yourself about the ETFs that catch your fancy, and as you dive deeper into the matter, you realise that investing doesn't have to be a dull and obscure affair. 

The first buy order

After you’ve informed yourself in detail and put together your personal budget, it's time to make your move. You know how much money you can afford to invest and thanks to your budget planning, you’d still be able to pay your bills and buy food even if you lose all the money you’re going to invest. You select a couple of shares and ETFs that align with your interests, values, and goals. And with a simple tap, you can see the exact pricing details in the neon app: For all ETFs as well as Swiss shares, it's a mere 0.5% of the purchase or sale price per transaction. And for international shares, it's still a very wallet-friendly 1.0%. No hidden fees, no complicated calculations, and no custody account fees. And, as always, there are no additional fees or surcharges for currency exchange – in short: you only pay when you actually make transfers. neon keeps it as transparent, low-cost, and easy as ever. If you want to know how neon invest compares to other providers, take a look at this blog post. Otherwise, have a look at the table below and decide for yourself which pricing model is the most straightforward:

Apart from the providers mentioned above, there are also companies that provide investment saving solutions, for example True Wealth and Kaspar&. For a True Wealth account, you pay 0.5% of your portfolio value per year, while the minimum investment is set at 8’500 CHF and there is an average product cost of approximately 0.15% on top. With Kaspar&, you pay a flat rate of 0.85% of your portfolio value per year.

With your choices made, you're ready to take the plunge. You set the amounts you want to invest, and neon calculates the total cost for you and shows you a price breakdown. No guesswork or number-crunching on your part. Now comes the moment of truth. You take a deep breath and tap the «confirm order» button. Your journey as an investor has officially begun and the app showers you with (imaginary) digital confetti.

The first sell order

As time goes on, you stay connected to your investments through your app, and you go back every now and then to check on the price development. Months have passed since you took the leap into investing. The market had its ups and downs, and so did your portfolio. You’ve gained confidence in navigating the market because you did a lot of additional research and your portfolio is going strong at the moment. And now, a new opportunity presents itself. It's time to reap the rewards of your long hours of research by turning a profit. You log into the neon app and head to the investment tab. You've been keeping a close eye on the performance of your assets, and today feels like the perfect moment to make a move. You review your portfolio and spot a share that has experienced significant growth. You want to seize the moment and cash in on your well-deserved gains. You select the share and initiate the selling process within neon's intuitive interface.

As you watch the transaction unfold, you remind yourself of the knowledge you've gained along this investment journey. And then, it happens. The sale is complete, and the digital (still imaginary) confetti dances across your screen once more. You've successfully turned a profit with your diligent research, strategic moves, and patience. Whether you decide to reinvest your profits, save them for a nice vacation in your Spaces, or support a cause close to your heart is completely up to you. As you scroll through the app, exploring new investment possibilities, you think of everything that lies ahead – and you’re happy that you didn’t lose any money. Because you’re smart, you know that next time could be different.

And there you have it – your personalised (fictional) customer journey through the neon invest universe. From the moment you were informed about the feature to your orders in the market, neon has been there every step of the way. With neon invest, you've unlocked a world of easy, accessible, low-cost investing that puts you in control of your financial decisions.

Remember: With great power comes great responsibility – do your research and never invest more than you can afford to lose. And consult with a financial advisor if needed, because investing involves risks.

Find more information about neon invest by clicking here.