Always on the first banking day of the month, we buy or sell the fund units required to implement your chosen investment strategy (Note: The settlement of trades usually takes place two days later). But before we do so, we check whether other customers within the finpension 3a Retirement Savings Foundation client base have orders to the contrary. In the end, we only trade what is necessary below the line. The rest is charged internally at the currently valid price. Fund units are moved from client X, who wishes to sell, to client Y, who wishes to buy the same fund units. Of course, this internal settlement, which is called netting, is fully automated.

Through this internal settlement, we can often settle purchases and sales at better prices than other providers can do. We can optimise any spread costs between the buying and selling price.