Wealth accumulation through investment funds

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Pillar 3b: Clever asset accumulation with investment funds

Every journey begins with the first step, and asset accumulation is no exception. With our 3b investment funds, you can invest your money professionally from as little as 1,000 francs and achieve your savings goals faster. For a trip around the world, for example, a vacation home by the sea, or financial security in old age.

Good reasons for having a Zurich Invest Fund Account

We are independent

For each asset class, we search for the most successful fund managers and invest your money in the most promising investment products. That’s because we do not employ our own fund managers, we advise our customers independently of providers and products and avoid conflicts of interest.

We are fair

We manage more than CHF 42 billion for our clients, who include major Swiss pension funds. As a major investment manager, we benefit from particularly attractive conditions, which we share with you. This further improves the performance of our investment funds.

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We are transparent

We manage collective investment schemes and are therefore subject to supervision by the Swiss Financial Market Supervisory Authority. We also report regularly on the performance of our investment funds and keep you informed of important changes.

An investment fund for every investment objective

With the Zurich Invest Fund Account, you invest in attractive investment funds and systematically build up your assets. You can choose between six funds, pay in once (from 1,000 francs) or regularly (from 100 francs), switch from one investment fund to another, and have all or part of your assets paid out free of charge.

Five good reasons for investment funds

Investment professionals

Fund managers manage funds according to the same principles as the assets of institutional clients such as pension funds. They monitor markets, analyze trends, adjust strategy, diversify the portfolio, and buy or sell investments. For our investment funds, we commission only the most successful fund managers and invest in the most promising investment products.


A broadly diversified investment fund balances security and return as well as liquidity. With an investment fund, you don't put all your eggs in one basket, such as a single stock, but rather a balanced portfolio that reduces fluctuations in value and maximizes opportunities for returns. In our investment funds, we pay attention to broad diversification and spreading the risk of all investments.


Investment funds are highly liquid: You can get involved, change or get out at any time. With us, you can join from as little as 1,000 francs, pay in 100 francs or more on a regular basis, and switch from one fund to another at any time or withdraw all or part of your assets free of charge.


Fund investors enjoy special investor protection and are better off than other categories of creditors if a fund management company files for bankruptcy. The fund assets are considered special assets and are paid out to the fund investors. This means your money is safe even in the unlikely event of financial distress on the part of the fund company or custodian bank.


Investment funds that are accessible to the general public are supervised by the Financial Market Supervisory Authority FINMA and are required by law to report on investments, performance, costs and fees. We regularly keep our fund investors up to date and provide important information on the Internet. For us, transparency is the basis of investor confidence.

Information and frequently asked questions about the Zurich Invest Fund Account

Investment requires trust and advice. In preparation for your appointment, we have prepared some frequently asked questions and important downloads for you.

What are the investment funds?

Investment funds invest money in a wide variety of asset classes:

  • Equity funds such as our Target Investment Fund 100 in shares of companies
  • Money market funds such as our Target Investment Fund Money Market in money market securities
  • Real estate funds in real estate or real estate companies
  • Bond funds such as our Target Investment Fund Bonds in government and/or corporate bonds

Mixed funds such as our Target Investment Fund 25, Target Investment Fund 35 or Target Investment Fund 45 invest in several asset classes, for example equities and bonds, in order to broadly diversify the portfolio.

What is an investment fund custody account?

With the Zurich Invest Fund Account, all the fund units you buy are managed at one bank. You can invest not only in one fund, but in several. This allows you to individualize your investment strategy, maximize return opportunities and minimize investment risks. And if you want to change your strategy, you can simply switch from one fund to the other. With the investment fund custody account, you always keep track and are always informed about the current value of your investment.

What is the minimum investment amount?

With our investment funds, you can invest your money professionally from as little as 1,000 francs. You can invest 1,000 francs or more once and pay in 100 francs or more regularly, for example with a standing order.

What does diversification mean?

Smart investors don't put all their eggs in one basket. They diversify their assets and invest, for example, in ten stocks instead of one or ten bonds instead of one. In this way, they maximize their return opportunities while reducing their investment risks. Our investment funds are broadly diversified:

  • Target Investment Fund Money Market in many Swiss franc money market securities
  • Target Investment Fund Bonds in many bonds and money market securities
  • Target Investment Fund 25, Target Investment Fund 35 and Target Investment Fund 45 in many equities and bonds
  • Target Investment Fund 100 in many shares

What are the advantages of a professionally managed investment fund?

On the one hand, you don't have to study the economy, the markets, and your investments every day or make difficult investment decisions. On the other, you benefit from a systematic and structured investment process that leads to higher investment returns in the long term. You also avoid typical (and often costly) investor mistakes – a professional fund manager makes decisions based on facts and won't be driven by emotions when prices go up or down.

How safe is my money with Zurich?

As an "asset manager of collective investment schemes", Zurich Invest Ltd is subject to the Swiss Financial Market Supervisory Authority FINMA  and is a wholly owned subsidiary of Zurich Insurance Company Ltd. We manage more than 42 billion Swiss francs for our customers. These fund assets are protected against insolvency as special assets. In the extremely unlikely event of Zurich Invest Ltd going bankrupt, the fund assets belong to the investors and do not therefore form part of the bankrupt's estate. This means the loss of your capital through bankruptcy is excluded at all times.

How do I choose the right investment fund?

Fund selection depends on your investment strategy. The investment strategy is crucial for investment success. That's why you should seek professional advice before investing. Our advisors first clarify your personal situation, your financial goals, your investment horizon and your risk appetite before recommending a strategy, suggesting suitable funds and sensibly diversifying your investment fund custody account.

What makes consulting at Zurich so special?

We advise our clients holistically, listen to them carefully until we understand their needs, and recommend investment funds that fit their investment strategy. Our four-step model has proven itself in consulting:

  1. Securing your livelihood: Your income is the foundation for your financial security. At present, this consists of your salary; later, it is composed of your state (first pillar), occupational (second pillar) and private (third pillar) pension benefits.
  2. Accumulating wealth: Before we start on systematic wealth accumulation, we analyze your assets and take account of your liquidity requirements up to retirement. This includes the financing of your home, if you own residential property or want to buy some.
  3. Optimizing capital: Based on your personal situation and financial goals, we define your investor profile and determine your personal investment strategy with you. In this way, you can be certain that the investment solution fits you and your needs.
  4. Identifying additional scope: With the money that you don't need for achieving your long-term financial goals you can take advantage of attractive investment opportunities or invest in coveted collector's items like classic cars or art.

Can I change my investment strategy?

Of course. An investment strategy is flexible so can change over the years and with your circumstances. With our funds, you can change your strategy at any time and switch from one investment fund to another.

Is now the right time to invest?

Even investment professionals do not catch the right entry point every time. That's why discipline is more important than the timing. Experience shows that even with unfortunate purchase timing, positive returns are possible in the longer term, as the stock market always recovers in the long run. Uncertainty and falling prices should not therefore deter you from entering. What's more, such phases are often particularly suitable for long-term investments, because you benefit from lower entry prices. If you want to invest a lot of money, it makes sense to divide the amount and invest it in stages. This way you minimize the risk of investing at the wrong moment and lower your average entry price. 

Does it make sense to invest in a high inflation environment?

Inflation has a stronger influence on monetary assets such as cash or bank balances than it does on material assets such as equities, precious metals and real estate. That’s why it makes sense to invest in material assets. What's more, in times of uncertainty, the knowledge of professionals is even more valuable. That's why we recommend that our customers seek advice. Arrange a personal consultation now. We review your current investment strategy and make suggestions on how the strategy could be adjusted to compensate for the loss of purchasing power due to inflation.

What should investors do in uncertain times?

Stay calm and don't act rashly based on fear or panic. In times of uncertainty, it is important to stick to your investment strategy with discipline. Ups and downs are part of the stock market. In a long-term comparison, investments pay off.

Price corrections are an opportunity to get on board. That is why you should continue investing in uncertain times with regular deposits (from 100 francs upwards). If you leave your money in a savings account, it will keep on depreciating in value due to inflation.

Further products and services

Unit-linked Life Insurance

With Zurich's CapitalFund unit-linked life insurance, you can build up assets for retirement. What's more, you can also insure yourself against the risks of disability or death.


Zurich Investment Advisory

We show you how to invest your money to reach your desired goal.


Investment with certificates: Zurich Invest Certificate

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Invest in an attractive SMI certificate with CapitalCertificate.

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