Drop unnecessary ballast. With the 3a-securities app from finpension, you will reach your goal faster. Simple and effective.

No margin when changing into foreign currencies

Before you can buy funds in foreign currencies, your provider must convert the money into the appropriate currency. Most providers will earn money when you change your money into a foreign currency. They charge you a higher exchange rate and take part of it for themselves. finpension does not charge a margin on foreign currency exchange*. This way more money gets into the funds you are entitled to. The same applies to the sale of the funds and the exchange back into Swiss francs.

*As a rule, we use the CHF funds. If necessary, the exchange into the foreign currency takes place within the fund, which leads to the same result as described above. There is no hidden fee.

No issuing commission

There are providers who charge a commission of up to 5% when the fund is issued. The fee is deducted from the deposit before the money is invested in the funds. Thus, fewer fund units can be purchased than with finpension. finpension does not charge an issuing commission. The entire payment is invested in the funds. The same applies to the sale of the funds. Here, too, in contrast to other providers, finpension does not charge any fees (redemption commission).

Withholding tax exemption

Many double taxation agreements with foreign countries give preferential treatment to pension funds. In contrast to private investments, these pension funds do not have to pay any or only a reduced withholding tax on the income generated, such as dividends and interest. In order to benefit from this, your money is invested in index funds that are subject to investor group control at finpension 3a Retirement Savings Foundation. In contrast to ETFs, which can be subscribed to anonymously and by anyone on the stock exchange, the index funds used can only be purchased by pension funds. This means that you benefit by being credited with the full returns.