Your money is invested globally and diversified. By using index funds and ETFs, you can participate in the development of more than 2’800 companies worldwide (standard strategies). The most important asset classes are equities, real estate and gold, whereby the equity component is tailored to your risk profile. In the current low interest rate environment, bonds are not used for cost and risk reasons (since after fees a negative return would result) – instead of which the positive interest-bearing account is used.