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The dividend amount is added to the cash position in the portfolio the day after the dividend payment day.

The price-to-earnings (P/E) ratio is the ratio of a company's share price to its earnings per share. It shows the stock market value for 1 unit (USD/EUR/CHF etc) of profit of a company. A high P/E ratio could mean that a company's stock is overvalued or that investors expect high growth rates in the future. Companies with no earnings or that lose money do not have a P/E ratio because there is nothing to put in the denominator.

For equities, we have data from approximately 15 June 2016 or from whenever the equity started trading on a public market, whichever is the latter. For funds, we have data from 1 May 2021 or from the moment the fund was added to the platform, if later than 1 May 2021.

The very generic answer to this would be: the next time the relevant market closes and an official closing price is published for the security which you are trying to buy (or sell). Example 1: You want to buy a share in Volkswagen and you enter the order while the market is open (in this case the opening hours of the German exchange Xetra). Your order will be 'filled' (i.e. executed) using the closing price for Volkswagen at the end of that day. Example 2: You enter an order to buy Volkswagen in the evening after the close of the market: the order will be filled on the close of the next trading day. So an order entered Tuesday evening would be filled Thursday morning using the Wednesday evening closing price. Example 3: You enter an order after the markets are closed on Thursday evening. In this case the order would be executed using the Friday closing price. But the official closing price is not published until Monday morning so it is then when you will see your Thursday evening trade getting executed. Example 4: For funds it may take longer. The same principle applies as described earlier but funds sometimes take a bit longer to publish their 'closing price' (which is actually called their NAV). In the extreme case whereby funds only publish NAVs once per quarter it may take quite a while for you to see your order getting filled. At UMushroom we monitor all the orders so when we see that an order is getting delayed for reasons other than the ones explained above, we will investigate and potentially let you know what is going wrong (could be a number of reasons: delisting of shares, unwinding of a fund, etc).

Duration is a sensitivity indicator that measures how strongly a bond reacts to changes in interest rates. If interest rates fall, the price of a bond rises because it becomes more attractive compared to market interest rates and vice versa. The higher the duration, the more a bond's price will drop when interest rates rise. If a bond has an interest rate of 0%, the duration corresponds to the remaining time to maturity.

Bonds are fixed-income securities with a predetermined annual interest rate and maturity. Bonds are generally considered lower-risk investments whose interest rate depends on the credit rating of the issuer and the time to maturity. At the end of the term, the original investment amount is paid back to the lender.

Currently, you can't trade your selected stocks, funds, ETFs directly through UMushroom. You need to send your positions to your bank or broker via email or plug them in your e-banking. We are working on a solution which will allow you to connect your UMushroom account to your broker account and trade automatically through UMushroom.

Growth stocks are shares of companies that have expected sales and revenue growth that is above the average market growth. These stocks usually do not pay a dividend, as the profit of the company is typically reinvested in further growth.

Value stocks are shares of mostly mature companies with a stable dividend issuance, that are perceived to trade below their fundamental value. Common indicators for value stocks are high dividend yields and a low P/E-Ratio.

Delisted stocks don't disappear. The ownership remains, it is however more difficult to buy and sell delisted assets, since they aren't traded publicly anymore but over the counter (OTC). Depending on the reason for the delisting, it may affect the price, leading either to a potential loss/devaluation of investments (involuntary delisting due to financial issues) or a potential payout / other benefits (voluntary delisting for strategic reasons).

Our investment universe allows you to invest in a broad variety of global stocks, funds and ETFs. Cryptos are coming soon on the platform too. Though, your choices should be aligned with your investment objectives. You can make investment decisions based on your risk tolerance and whether you want to invest actively or passively. Dividend payments from shares and distributing funds allow you to build up a passive source of income. The browse function on UMushroom helps you tailor your search in the various asset categories according to your preferences.

ETFs are exchange-traded funds. They are traded like shares during trading hours and belong to the group of funds that aim to track an index. They offer a return as close to the benchmark index as possible. They are passively managed and, unlike active funds, incur no expensive fees for fund management.

The stock exchange brings together buyers and sellers of shares. You can think of the stock exchange as an auction where buyers and sellers place their bids. The asking price is the price at which sellers are willing to sell. The price the buyers are willing to pay is called the bid price. The difference between the two prices is called the spread.

That depends on your investment goals. Even though investments in the capital market tempt you with attractive profits, they are also associated with a risk of loss. If you are a beginner, consider investing with an amount that does not affect your daily living standards. A widely used approach is to invest about 10-15% of your income. You can invest this amount monthly to benefit from the dollar-cost averaging of your investments.

You can imagine a fund as a pool of money committed for a specific purpose. This purpose can range from professional investing to a renovation fund for your apartment building. Investment funds use the money collected to buy a selected basket of shares, for example. By investing in an investment fund, you, as an investor, also hold shares in the stocks it contains. Investment funds are either active or passive. Active funds attempt to achieve a higher return than the index they follow through active management. Passive funds usually only track the index they follow to perform almost identically.

A stock is a share in a company that makes you a partial owner of the company in proportion to the number of shares you own.

A portfolio is a basket of investment instruments, such as stocks, funds or ETFs. Your UMushroom portfolio displays your investments in an overview and shows your portfolio's performance. Professional investors build portfolios to reduce the overall risk of their investments whilst keeping a certain level of return.

Since the money in your savings account barely generates any returns these days, it makes sense to look elsewhere for alternative sources of profit. If you keep your goals in mind, you'll quickly realise that you can't get far without learning to invest. Investing in your savings can help you accumulate capital for your retirement or reach a specific financial goal sooner. Investing in the capital market involves higher risks than a savings account, compensating the investor with higher returns in the long run.

Remember the old saying, "don't put all your eggs in one basket"? Well, diversification is the investment equivalent to this. Diversifying your portfolio reduces the risk of being stuck with one bad investment by spreading it across various assets in your portfolio.

Yes, UMushroom is the perfect place to start your investment journey. We offer a wide range of carefully tailored data for beginners and intermediates to improve their investment decisions.

We transform the confusing jungle of complex financial data into comprehensible information for our members. Our learning community enables the interaction between users and professionals and forms the base for a unique new market structure. We encourage informed investment decisions and, with our community, contribute to creating a transparent and inspiring market for investments.

- Access to highly sophisticated data made easy to understand - Learn how to build a portfolio and reach your investment goals - Connect with other users and professionals from our community - Intuitive and easy to use investment platform

UMushroom is a great place for qualified investors to search for investments using our top-notch search engine. You can get access to unique data insights such as social media sentiment, share your expertise and grow your following in our inspiring community.

Yes, you can always switch between the subscription plans.

UMushroom is an educational investment platform that lets you explore the world of investments. By registering, you can simply create a portfolio, educate yourself about your favourite assets and add them to your portfolio. Connect with other users, rate stocks and keep track of your performance.

Mark your calendar for the end of September! Our Mobile App is currently being updated, so stay tuned. Also, our Website has a responsive design, so you can use it easily on your mobile.

You don't need to have a specific amount of money to use our platform. UMushroom is your safe environment to get in touch with the financial markets and educate yourself about investments before starting with your own money.

Our website can be accessed worldwide. However, currently, the information on the website is intended for users domiciled in Switzerland, Germany, Austria, UK, Netherlands, and Spain. Hence, the services or the information regarding the investment products are not suitable for Users domiciled in other than the above mentioned countries. New jurisdictions will be added soon.

In short: Be kind and inspire others! For detailed information about our community guidelines, feel free to browse our Terms of use.

By subscribing, you'll gain access to the course video lectures and materials. Each week, a new video will be released, accompanied by a topic worksheet provided at the start of the week. Additionally, you'll participate in two live weekly calls: one to go through the lecture material and another to implement what you've learned. If you're unable to attend the live sessions, you'll have the opportunity to rewatch them at your convenience.

For anyone who desires to master the fundamentals of the financial world. Our courses cover everything an investor needs, from the right mindset to the pros and cons of each asset class, so you can develop your best portfolio so far!

Only the desire to learn and an open mind. Everything else will be provided by us :)

This is entirely up to you. Courses are immediately available to you upon subscribing to the educational plan.  Some people like to learn in bite-size chunks, and some prefer to watch a whole module in one sitting. Use whichever method works for you. We would recommend taking small breaks and going through all the quizzes.

As banking executives, we met many professionals in the industry with many years of experience that wished a program like ours was available to them. Even the most advanced professionals benefit from a new perspective on the world of finance.

You can put together and manage your paper portfolio. The starting capital is CHF 10,000 and the portfolio must consist of at least 5 shares/cryptos or a fund/ETF. The entire starting amount must be invested, and nothing should be held in cash at the beginning. The start date is 1 February 2024 and will run until 24 April 2024. At the end of the 12 weeks, the 20 best players will be selected and presented to the jury for the awarding of prizes. The top 20 will be calculated based on the return on the portfolio and the active completion of the milestones. We have 3 jury members and they award the 3 main prizes. We also have 17 other great prizes, which UMushroom awards. Any changes you make to your portfolio (buying, selling, and weighting of stocks) will take effect on the next trading day at the opening price. To take part in the game, you need to register with a valid e-mail address. Participation is free of charge. Further information on the game can be found in the "Conditions of Participation".

Once you are signed up with UMushroom we have already created your contest portfolio with CHF 10’000 for you and added it to the contest group. Participation is free of charge.

In our video guide, you will learn all the important information for buying and selling securities. It is very easy to either sell the securities in your portfolio or add the desired new securities via a button.

You can buy all securities that are displayed for you on the platform. Make sure that you only buy funds and ETFs that have a "green flag". The "green flag" shows you whether you can buy it or not. You must buy at least 5 shares/cryptos or one fund/ETF for your portfolio.

Each milestone has different tasks called "activities". The milestones are divided into different topics around the theme of "Investing". We share our knowledge with you at each milestone. There are various quizzes, videos, and texts for you. Learn something new and collect important activity points.

By actively completing the milestones and activities and ensuring that your portfolio performs well. There is a maximum of activity points over the entire game (a maximum of 106 points). In addition, the portfolios with the best performance receive points (best performance 100 points, second best performance 99 points, etc.). The two parameters are totaled at the end: Activity points + performance points = final result. The 20 best performances will be presented to the jury, who can then choose who will receive their prize. There are a total of 20 attractive prizes to be won.

By actively completing the milestones and activities and ensuring that your portfolio shows a positive performance. There is a maximum of activity points over the entire game (a maximum of 106 points). Furthermore, the portfolios with the best performance receive points (best performance 100 points, second best performance 99 points, etc.). The two parameters are totaled at the end: Activity points + performance points = final result

You can win 20 different prizes worth over CHF 30'000, for details visit the "Switzerland for Financial Literacy" page.

Our platform always uses the closing price of the previous day or the last trading day. Not every investment is traded daily. Therefore, trades are always executed overnight and your portfolio is updated. With funds and ETFs, a security may take several days to be executed.

<strong>Deine brennenden Fragen beantwortet</strong><br>Nutze die Gelegenheit, um all deine offenen Fragen rund um das Thema Finanzen und Investieren zu stellen. Unsere Finanzexpertinnen Luba Schoenig und Tonia Zimmermann stehen dir mit ihrem umfangreichen Wissen zur Verfügung und geben dir individuelle Tipps und Ratschläge.<br><br><strong>Lerne die Grundlagen</strong><br>Die in der Masterclass vermittelten Inhalte sind ideal für Anfänger*innen, die ein solides Basiswissen aufbauen möchten. Du wirst die grundlegenden Konzepte und Strategien des Investierens kennenlernen, die dir helfen, sicher und erfolgreich zu starten. Wir heißen alle willkommen, die das Handwerk «Investieren» erlernen möchten.

Diese Masterclass ist für alle, die ihre finanzielle Zukunft selbst in die Hand nehmen wollen. Wenn du Anfänger*in bist und nicht weißt, wie du mit dem Anlegen starten kannst und es deshalb immer wieder verschiebst, ist diese Masterclass genau richtig für dich. Wir helfen dir, die Grundlagen zu verstehen und sicher in die Welt der Investitionen einzusteigen.

Ein Computer, Tablet oder Smartphone mit Internetzugang und einer funktionierenden Audioverbindung genügt.

Ja, die Teilnahme ist komplett kostenfrei. Du benötigst lediglich eine Anmeldung.

Unsere Finanzexpertinnen sind erfahrene Profis aus der Branche, die dir wertvolle Einblicke und praktische Tipps geben können.

<strong>Deine brennenden Fragen beantwortet</strong><br>Nutze die Gelegenheit, um all deine offenen Fragen rund um das Thema Finanzen und Investieren zu stellen. Unsere Finanzexpertinnen Dr. Luba Schoenig und Tonia Zimmermann stehen dir mit ihrem umfangreichen Wissen zur Verfügung und geben dir individuelle Tipps und Ratschläge.<br><br><strong>Vertiefe dein Wissen</strong><br>Die in der Masterclass vermittelten Inhalte sind ideal für fortgeschrittene Anleger*innen, die bereits über ein solides Basiswissen verfügen und nun ihre Kenntnisse weiter vertiefen möchten. Du wirst neue Perspektiven und Strategien kennenlernen, die dir helfen, noch erfolgreicher zu investieren. Wir heißen alle willkommen, die das Handwerk «Investieren» verfeinern möchten.

Diese Masterclass ist für alle, die ihre finanzielle Zukunft selbst in die Hand nehmen wollen.

Ein Computer, Tablet oder Smartphone mit Internetzugang und einer funktionierenden Audioverbindung genügt.

Ja, die Teilnahme ist komplett kostenfrei. Du benötigst lediglich eine Anmeldung.

Unsere Finanzexpertinnen sind erfahrene Profis aus der Branche, die dir wertvolle Einblicke und praktische Tipps geben können.