UBS is an awful company! They gouged me on commissions for investments I researched and picked and then charge me fees for doing NOTHING!! And here is something kind of funny, when they transferred my account (low activity and dollar amount) to a call center type facility, the guy who calls to explain this to me says hey, your fund is doing good, do you have any tips to give me? Yeah, dont use UBS if you are a small, buy and hold investor. It seemed to me that whatever cash I had they found a way to move into their pockets.