3a Retirement Savings Foundation

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

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Benefits

A 3rd pillar scheme is a long-term investment solution. Therefore, investing in equities is a sensible investment alternative allowing for long-term appreciation despite stock market fluctuations.

Simple

Simple and reduced to the essential

Low-cost

Thanks to automation and economies of scale

Secure

Globally diversified. Regulated under Swiss law.

Efficient

e.g. reclaim of foreign withholding taxes.

Flat rate fee

We like simple and transparent solutions. That is why our fee is a flat rate.

Our flat rate fee includes the fees of the investment funds used. There are no further charges for transaction or custody. To the fee schedule.

0.39 %
plus VAT

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 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.

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:

Competition

190’191

finpension

213’851
1 year
40 years
+ 23’660 CHF

Bases of calculation:
starting capital 0 francs. Annual payment of the maximum amount of currently 6,826 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. Decide for yourself.

finpension Equity 0
Product costs (TER): 0.00 %*
finpension Equity 20
Product costs (TER): 0.01 %*
finpension Equity 40
Product costs (TER): 0.01 %*
finpension Equity 60
Product costs (TER): 0.01 %*
finpension Equity 80
Product costs (TER): 0.02 %*
finpension Equity 100
Product costs (TER): 0.02 %*
finpension Equity 0
Product costs (TER): 0.00 %*
finpension Equity 20
Product costs (TER): 0.01 %*
finpension Equity 40
Product costs (TER): 0.01 %*
finpension Equity 60
Product costs (TER): 0.01 %*
finpension Equity 80
Product costs (TER): 0.01 %*
finpension Equity 100
Product costs (TER): 0.01 %*
finpension Equity 0
Product costs (TER): 0.00 %*
finpension Equity 20
Product costs (TER): 0.03 %*
finpension Equity 40
Product costs (TER): 0.03 %*
finpension Equity 60
Product costs (TER): 0.03 %*
finpension Equity 80
Product costs (TER): 0.03 %*
finpension Equity 100
Product costs (TER): 0.03 %*
*

The strategies are implemented with Credit Suisse institutional funds. These funds belong to the zero fee class. This means that, in principle, these funds have no product costs (0.0 % TER). The costs of accessing the funds are borne by the foundation.

Download app

All you need is a smartphone. Download the finpension app to your smartphone and you’re ready to go.

  • The download is free 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 pension assets are of course possible at any time. Follow the deposit button in the app.