finpension – Invest wealth

The fees for wealth management from finpension AG at a glance:

  • Flat-rate administration fee: 0.39 % p.a.
  • Transaction fees: none

Costs of the funds used: The investment strategies offered are implemented with ETFs and index funds. The TER of the funds used for the standard strategies Global, Switzerland and Sustainable is 0.08 to 0.10 %.

Stock exchange and stamp duties: The stock exchange duties are passed on. However, these are so low (+/- 0.01 %) that they are practically negligible. Stamp duty on purchases and sales is 0.075 % for domestic ETFs and 0.15 % for foreign ETFs.

Currency exchange: We do not charge any. In contrast to pension provision, many funds in the free assets cannot be subscribed in Swiss francs. For this reason, finpension assumes the costs incurred in connection with any currency exchange.

To the scale of fees.

finpension 3a Retirement Savings Foundation

The fees of the finpension 3a Retirement Savings Foundation at a glance:

  • Flat-rate administration fee: 0.39 % p.a.
  • Transaction fees: none

Costs of the funds used: The investment strategies offered are implemented with zero-free funds (the TER of the funds used for the standard strategies is 0.00 to 0.02 %). The costs for access to these funds are borne by the Foundation. They are included in the flat-rate administration fee.

Currency exchange: Wherever possible, finpension uses funds that can be held and subscribed in CHF. In this way we can avoid a currency exchange. If the fund cannot be subscribed in Swiss francs, the custodian bank of finpension 3a Retirement Savings Foundation charges a fee of 0.05 % on the currency exchange. This fee is further reduced by the internal netting of buy and sell orders.

Expenses for the withdrawal of pension assets for residential property, for a pledge or with residence abroad are charged on a cost-by-cause basis. To the fee schedule.

finpension Vested Benefits Foundation

The finpension Vested Benefits Foundation fees at a glance:

  • Flat-rate administration fee: 0.49 % p.a.
  • Transaction fees: none

Costs of the funds used: The investment strategies offered are implemented with zero-free funds (the TER of the funds used for the standard strategies is 0.00 to 0.02 %). The costs for access to these funds are borne by the Foundation. They are included in the flat-rate management fee.

Currency exchange: Wherever possible, finpension uses funds that can be held and subscribed in CHF. In this way we can avoid a currency exchange. If the fund cannot be subscribed in Swiss francs, the custodian bank of finpension 3a Vorsorgestiftung charges a fee of 0.05 % on the currency exchange. This fee is further reduced by the internal netting of buy and sell orders.

Expenses for the withdrawal of pension assets for residential property, for a pledge or with residence abroad are charged on a cost-by-cause basis. To the fee schedule.

finpension Vested Benefits Foundation II

The same fees apply for finpension Vested Benefits Foundation II as for the first finpension Vested Benefits Foundation. To the fee schedule.