The finpension 3a Retirement Savings Foundation does not engage in proprietary trading. Purchases and sales of securities are made exclusively on behalf and for the account of the account holder.
The business risk lies with finpension AG. Example employees: they are not employed by the Retirement Savings Foundation, but by finpension AG. If finpension AG were to go bankrupt, this would not affect the retirement savings held by finpension 3a Retirement Savings Foundation. The board of finpension 3a Retirement Savings Foundation would then have the task of transferring the management to another company.