Move with the times. With the investment solution from finpension, you stay in shape. Simple and relaxed.
Benefits
The investment solution from finpension is not only characterized by its easy accessibility, it also offers clear economic advantages over other providers.
Cheaper
More effective
More intelligent
Better
Fees
The compensation to finpension of 0.39 % is made up of a fee for general custody account management and a fee for asset management*.
Added to this are the costs of the funds used (TER). These range between 0.08 % and 0.10 % for the standard strategies Global, Switzerland and Sustainable.
*Splitting the fee makes it easier for you to deduct the costs later on in your tax return. You can deduct the custody account fee in full, from your taxes. To the fee schedule.
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 they 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 surcharge on money exchanged into foreign currencies. 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.
No issuing commission
Some providers 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. Therefore, 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
Dividends and interest are subject to withholding tax in most countries (known as «Verrechnungssteuer» in Switzerland). To keep this withholding tax as low as possible, we focus on funds with the right fund domicile.
We also offer reporting for the flat-rate tax credit (DA-1) of US withholding tax within selected ETFs. With a US dividend yield of around 2 % and a withholding tax of 15 %, the flat-rate tax credit generates a yield advantage of 0.30 % for you (subject to authorisation by your tax authority).
More value
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 focus
Tell us what is important to you. We’ll take care of the rest. With the «Auto Select» strategy selection mode, we choose the equity component that best suits you.
Features
A good investment solution is more than a fund, more than a securities portfolio. A good investment solution makes your life easier. Whether you are just starting to invest or you are already living off your assets, we have the right solution for you.
From 1 franc
Up to ten portfolios
With savings and de-savings plan
Automatic rebalancing
Register now
You can register directly via our web app or by downloading the finpension app on your smartphone.
- Download and registration are free of charge 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.
- For each successful referral, you will receive a fee credit of 25 Swiss francs.
More secure than e-banking
By restricting withdrawals to a verified reference account, finpension’s investment solution is more secure than using e-banking, where payments can be made to any account.
