In case of the index funds and ETFs used, costs of 0.025% on average per year (standard strategies) are incurred within the funds. These product costs are included directly in the index fund or ETF prices. Including the administration fee of 0.52% (at most 0.44% p.a. due to the fee cap), the total costs for a fully invested strategy are less than 0.47% (investment focus: Global and Switzerland). As a result, our product is up to 3 times cheaper than comparable competitor products.