Lower fees and no fees for currency exchange
Direct access: #Strategies #Fund list
Advantages
Your advantages with finpension Invest
finpension’s wealth management is not only characterized by its easy accessibility, it also offers clear economic advantages over other providers.
Cheaper
Better
Less withholding tax on US dividends
More intelligent
Fewer duties and spreads thanks to «netting»
More effective
Simpler thanks to best-in-class fund selection
Strategies
Choose an investment strategy and invest your wealth strategically.
Tell us what matters to you. We’ll take care of the rest. With the “Auto Select” strategy mode, we choose the equity allocation that suits you best.
With the “Self Select” strategy mode, you choose the equity allocation that matches your risk tolerance. Additionally, you can define the investment direction or create your own strategy.
App Features
Custom Strategies
For those who want more flexibility, finpension offers the ideal solution: custom investment strategies.
With just a few clicks, adjust the weights of different investment instruments or replace them. Thanks to filter and search options, you can quickly find the right instrument.
All relevant information is always available, as fund factsheets are also linked to the investment instruments.
Fees
Low fees that you can mostly deduct from your taxes
The flat management fee consists of a fee of 0.30% for general account management and a fee of 0.09% for asset management.
The breakdown of the fee simplifies the deduction of costs on your tax return. Unlike other digital asset managers that do not provide such a breakdown, you can fully deduct the account management fee from taxes with finpension.
Additionally, there are costs for the funds used (TER). These range from 0.08% to 0.10% for the standard strategies Global, Switzerland, and Sustainable.
As a marketing initiative and to benefit from the increased willingness of domestic bank customers to switch, we have decided to waive the fee charges for the entire year of 2025.
0.39%
free of charge from 01.01.2025 to 31.12.2025*
No hidden fees
Transparent fees are not a given
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 of the advantages of our investment solution:
No margin when changing into other currencies
No issuing commission
Optimized withholding tax
More value
Savings that pay off
With banks and insurance companies, you quickly pay one percent more per year for your investment. What may not sound like much at first glance, actually adds up to a lot of money over time.
Calculation basis:
investment term 15 years, average annual return of 5 %, incl. additional return of 1 % compared to competitors due to lower investment costs and withholding tax re-optimization.
Investment goals
Also suitable for very specific investment objectives
From wealth accumulation to investing pension lump sums – we have the right solution for every life stage. With up to ten portfolios, you also remain fully flexible.
Invest
Investing pension lump sums
Benefit from opportunities in the stock markets without taking unnecessary risks. With finpension, your pension fund money is managed professionally.
Invest
ETF savings plan
With our ETF savings plan, you can build wealth cost-effectively and efficiently. All you need to do is set up a standing order for your portfolio. We take care of the rest for you. Children’s portfolios are also possible.
Invest
Private Equity from 1 CHF
We make private equity easily accessible – without barriers or high costs. This allows you to further diversify your portfolio and invest in emerging companies.
Support
We are happy to take the time for you.
Thanks to our early investment in the digitalization of our processes, we can fully focus on your personal support. If you have any questions, we are always here for you and happy to assist.
FAQ
Frequently Asked Questions about finpension's Investment Solution
Who can open a portfolio?
To open an initial portfolio, you must be a resident of Switzerland. You must also be liable for tax in Switzerland and not be subject to unlimited tax liability in any other country. Partial tax liability (e.g. due to property ownership abroad) is possible, but unlimited tax liability must be limited to Switzerland. Furthermore, you must be at least 18 years old and must not be a US person.
Is finpension an active or passive wealth manager?
finpension is a passive wealth manager. We do not actively intervene in the allocation of your investment strategy, as an active intervention only rarely generates an additional return. In most cases, active management does exactly the opposite. For this reason, finpension focuses on passive investment strategies consisting primarily of ETFs (except for private markets). In addition, we offer our clients the opportunity to customize their investment strategy and define the allocation themselves.
How do I find out which investment strategy is right for me?
As part of the registration process, we will ask you a few questions about your financial situation, your knowledge of financial investments and the wealth management service, and your investment horizon. Based on your answers, we will calculate how much risk you can take, and which investment strategies suit you accordingly.
What does rebalancing mean and why does it make sense?
Rebalancing means that the allocation of your portfolio is regularly brought back ‘in-line’ with your investment strategy. Rebalancing makes sense in order to maintain your risk level.
Is now a good time to invest?
Experience shows that it is better to think long-term and invest regularly rather than waiting for the perfect time.
Security
As secure as with a bank
finpension is as secure as a bank. We hold a license for a securities account management company and are directly supervised by the Swiss Financial Market Supervisory Authority (FINMA). Cash balances with finpension are protected by deposit insurance, just like with a bank, up to CHF 100,000.
Safer than e-banking
The finpension app and web app are safer than using e-banking. Withdrawals can only be made to a verified reference account. If fraudsters gain access to your login details, they will not be able to make withdrawals to other accounts.
Web application and mobile app
Register now & try without obligation
You can register directly through our web app or by downloading the free finpension app to your smartphone. No minimum fee and no obligation to deposit.
- Starting from CHF 1
- Up to 10 portfolios
- Automatic rebalancing
- CHF 25 fee credit for each referral
Invest