Savings plan from finpension: asset accumulation made easy

The finpension savings plan is very simple. Transfer money to your finpension portfolio on a regular basis. We take care of everything else. We make sure that your money is invested. Dividends are also automatically reinvested. This allows you to benefit optimally from the compound interest effect and the cost average effect. At the end of the year, you will receive a free e-tax statement for your tax return.

How do you set up a savings plan with finpension?

Step 1: Select an investment strategy consisting of ETFs

The basis for a good savings plan is the right investment strategy. finpension offers you investment strategies that have good risk diversification and fit your needs exactly. Whether classic, sustainable or self-determined. You decide and we accompany you.

Everything is taken care of as part of the simple registration process, so you can get started today. From one franc and with no minimum fees.

Step 2: Transfer money regularly by standing order

As soon as you have registered and selected an investment strategy, you will see a large red button labelled “Deposit” on the portfolio. There you will find the account details for the transfer. Enter a standing order with your bank for the desired amount.

We will notify you by e-mail whenever we record an inflow of funds. On the second bank working day of each week, your portfolio is rebalanced and the money is invested in your chosen investment strategy.

Advantages of a savings plan

The advantage of a savings plan is that it offers higher potential returns than a savings account. In the long term, a higher return can generate an interesting compound interest effect, as the following chart shows.

What’s more, with a fund savings plan you don’t have to worry about whether it’s the right time to invest. Regular investments automatically lead to a good average price.

Disadvantages of a savings plan

Savings plans can also be disadvantageous. If you cannot stick to the plan because you need money unexpectedly, you may have to sell the investments at an unfavourable time. You can find out more about investment risks in the Swiss Bankers Association’s brochure on risks in trading financial instruments.

Advantages of a savings plan with finpension

• Low fees: A fund savings plan with finpension is many times cheaper than with banks, where you pay an average annual fee of around two per cent. A low fee favours asset accumulation. The compound interest effect is greater.
• From 1 franc: With finpension you can invest money from as little as 1 franc. This is not possible with many other providers because you cannot buy fractions of an investment. At finpension this is possible because, thanks to our technologically advanced solution, we can also buy fractions, i.e. fractions of a share, for you.
• Private equity savings plan: finpension is the only provider in Switzerland that also offers a savings plan for private equity. Private equity are investments in companies, infrastructure or property that are not traded on the stock exchange. You can also invest regularly in this special asset class with finpension from as little as one franc.
• All-in-one app: finpension also offers an investment solution for pillar 3a. Some customers save the maximum 3a contribution for next year in the current year and then make a transfer to pillar 3a at the beginning of the following year. This is even easier with finpension.