Drop ballast. With the 3a app from finpension, you will reach your goal faster. Simple and effective.
Benefits
The 3a securities app from finpension is not only characterised by its easy accessibility, it also offers clear economic advantages compared to other providers.
Cheaper
Better
Higher
More effective
Flat rate fee
The investment strategies offered are implemented with zero-fee funds. The costs for access to these funds are borne by the foundation. They are included in the flat-rate administration fee.
There are no further charges for transaction or custody. To the fee schedule.
No hidden fees
But the low flat-rate fee is not enough. Compared to other providers, you can save even where you might not even notice it. Here are a few examples:
No margin when changing into other currencies
Before you can buy funds in other currencies than CHF, your provider must convert the money into the appropriate currency. Most providers will earn money when they change your money into a other currency. They charge you a higher exchange rate and take part of it for themselves. finpension does not charge a margin on other 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 funds that can be subscribed in Swiss francs. If necessary, the switch to the other currency is made within the fund, which leads to the same result as described above. There are no hidden fees.
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.
More value
One percent more or less. Who cares about that? But watch out: Over time, a supposedly small difference can make a lot of money. Take a look for yourself:
Bases of calculation:
starting capital 0 francs. Annual payment of the maximum amount of currently 7,056 francs. Average annual return of 2.5 % from competitors. Additional return with finpension of 1 % compared to competitors due to lower investment costs and reclaim of withholding taxes on foreign income.
Strategies
We have put together six investment strategies for you with varying degrees of equity exposure. The strategies are available in three different versions, Global, Switzerland and Sustainable. Each strategy can be adapted individually. You decide. But don’t worry, we will help you.
Since you can invest in the zero-free fund classes with finpension, the average costs of the funds (TER) used are close to 0.00 %.
Fund house
Your strategy is implemented with the zero-free funds of Credit Suisse, Swisscanto or UBS.
These fund houses are on a par. None is superior to the other. Choose one of the fund houses according to your preference, or combine the funds as you wish with an individual strategy.
Swisscanto
Your strategy is implemented with Swisscanto’s index funds. Swisscanto is owned by Zürcher Kantonalbank.
UBS
Your strategy is implemented with the UBS index funds.
ex Credit Suisse
Your strategy is implemented with the Credit Suisse Index Funds (CSIF).
Register now
You can register directly via our web app or by downloading the finpension app on your smartphone.
- Download and registration are free of charge and there is no minimum fee.
- There is no obligation to make a deposit and there is no minimum contract period.
- You only pay from the moment your first deposit is credited.
- Transfers of existing 3a retirement savings to finpension are quite simple. Follow the deposit button in the app.
- You can open up to five portfolios. Each portfolio counts as an independent 3a credit.
- For each successful referral, you will receive a fee credit of 25 Swiss francs.
