We’re pretty picky. We’ve carefully chosen a variety of investment products to cover a broad range of industry sectors and geographical areas, so that you can build a diversified portfolio. We favour stocks with high market capitalisation (blue chips) to ensure a good liquidity of your assets. We do not restrict stocks based on the ethical values of their respective companies, but we provide Environmental, Social and Corporate Governance (ESG) ratings so you can invest consciously.

We hope you’re paying attention; there may be a quiz later. When you buy or sell a product, a transaction fee of 0.5% will be applied to your order. As an example, if you buy 1’000 CHF of investment products, your fee will be 5 CHF. The minimum fee is 1 CHF. But we like you a lot, and won’t charge any custody fees to store your investments. Specific investment products such as Trending Themes or ETFs may be subject to additional management fees. Cryptocurrencies are handled differently. You’re charged a 1% transaction fee when buying and 1% when selling, but you can still store them safely in your Yuh account without any custody fees.

All orders placed while markets are open will be executed immediately. Orders placed during off-hours (nights, weekends and holidays) will be executed on the next working day. They say money never sleeps, but sometimes it does need a rejuvenating power nap.

Accordingly, you’ll be able to place your orders at any time and they will be executed as follows:

Swiss markets: on trading days from 9:10 to 17:20 CET
European markets: on trading days from 9:10 to 17:20 CET
UK markets: on trading days from 9:10 to 17:20 CET
US markets: on trading days from 15:40 to 21:50 CET
Themes: on trading days from 9:25 to 17:05 CET

The price of investment products bounces around continuously like a yo-yo while the markets are open. You’ll pay the market price at the time of the execution of your order.

If you place your order while the markets are closed, the price when they reopen may differ from the price displayed when you made the order. This may result in either a pleasant or an unpleasant surprise, so if you don’t like surprises, try to place your orders while the markets are open!

Mandatory corporate actions will be applied to your account automatically. Dividends will be credited to your main account. For other corporate actions, the standard alternative will be applied, but wherever possible, we’ll attempt to make the best choice for you, with a preference for the option that will not negatively impact your balance.

Actually, there’s no action required from your part: you can have a seat and decide if you want to wait for the common post-spinoff calmness and outperformance. Who said sequels were never any good?

In any case, as an investor in the parent company, you will automatically become an investor in the subsidiary through the distribution of new shares. However, bear in mind that you will only be able to either hold or sell these new shares (buying is excluded), unless stated otherwise.

No, there is currently no way to transfer securities from other financial institutions to Yuh, or to link your Swissquote or PostFinance account. However, if you are already a PostFinance or Swissquote client, you benefit from a simplified onboarding process when creating a Yuh account.

Don’t fret! In Switzerland, investors are a legally protected species. The Federal Act on Financial Services (FinSA) came into force on 1 January 2020 with the objective to strengthen the legal protection for investors in the country. The FinSA distinguishes between three client segments: “private client”, “professional client” and “institutional client,” each of which has a different level of investor protection. As a Yuhser, you belong to the “private client” category – therefore, you benefit from the highest level of investor protection.

Securities and fractions of securities (also known as fractional shares) are held with our custodian bank (and mom) Swissquote. As a Yuhser you own a fiduciary right to these securities. In plain words, they are as safe as any other security held in a FINMA regulated Swiss bank.

In the event of bankruptcy Yuh customers retain their rights to their securities, including fractions. According to Art. 37d BankG, these shares are excluded from the bankruptcy estate by law and can therefore be considered as special assets. This means that they will survive outside of the banking institution.

In addition, by law, the liquidator must transfer the corresponding financial instruments to a third-party custodian, i.e., another bank or securities dealer who will continue to hold these shares in trust for the customer. A transfer of securities can only be requested if they are whole. In the case of fractions of securities, they must be transferred or sold to a third-party custodian. The transfer of securities to a new custodian is regulated in Art. 17 of the Federal Act on Book-Entry Securities (BEG).