Lower fees without commissions on currency exchange
Invest your pillar 3a in genuine pension funds
Drop ballast. With the 3a app from finpension, you will reach your goal faster. Simple and effective.
Direct access: #Strategies #Fund list
Your advantages with the 3a funds from finpension
With finpension, you have access to funds that are otherwise reserved for institutional investors. The investment solution for your pillar 3a from finpension is easy to access and also offers clear economic advantages over other providers.
Cheaper
Better
Better performance thanks to exemption from foreign taxes on dividends
Higher
Higher interest rates on bond and money market funds than on a 3a account
More effective
More effective thanks to advance payment of withholding tax reclaim
Invest your pillar 3a in assets that are important to you
We have put together six investment strategies for you with different proportions of equities. The strategies are available in three different versions: Global, Swiss and Sustainable.
Each strategy can be customised individually. You decide how you want to invest your pillar 3a. But don’t worry, we’ll help you.
Customised strategies
Exactly one fund for every risk appetite. That is the motto of many providers. If this is too rigid for you, you are better off with finpension.
Change the weightings of the various investment instruments or replace them with just a few clicks. With the filter and search options, you will quickly find the right investment instrument.
The fund factsheets are also linked to the investment instruments so that you always have all the information to hand.
Institutional 3a funds in which large pension funds also invest
Your strategy is implemented with the fee-free funds from Credit Suisse, Swisscanto or UBS.
The three fund houses are on an equal footing. None is decidedly superior to the other. Choose one of the fund houses according to your preference or combine the funds with an individual strategy as you wish.
Swisscanto
Your strategy is implemented with Swisscanto’s index funds. Swisscanto is owned by Zürcher Kantonalbank.
UBS
Your strategy is implemented with UBS index funds.
ex Credit Suisse
Your strategy is implemented with Credit Suisse Index Funds (CSIF).
A flat fee – fund costs included
The investment strategies offered are implemented with fee-free funds. This means that there are no additional costs for the funds (TER). They are included in the flat-rate management fee.
No transaction or custody fees are charged.
No hidden fees – we promise!
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:
High added value for your private pension provision
Because people are living longer today, it is becoming increasingly difficult for the state to fulfil its pension promises. It is therefore important that you take your pension provision into your own hands.
Our pension funds are a good 1% cheaper than comparable offers from established banks. Although this may not sound like much to you, the lower fees can generate significant added value over time. See for yourself.
Pillar 3a investment: For all those who strive for more
The 3a account is for beginners. Anyone who expects more from their pillar 3a can invest their pillar 3a in shares. With shares, you have the chance of a significantly higher return in the long term than with a 3a account. You also benefit from dividends that do not have to be taxed as income.
Open a 3a portfolio
Register in the finpension app by opening a portfolio with the 3a-Vorsorgestiftung.
Deposit or transfer
Transfer money or have an existing 3a account or 3a custody account transferred to finpension.
Automatic investment
Your deposits are always invested in your investment strategy on the second bank working day of the week.
Have more from the pension
If you invest your pillar 3a for the long term, you have a good chance of a significantly better pension than with a 3a account.
Questions & answers about the 3a investment solution from finpension
Register now & try it out without obligation
You can register directly via our web app or by downloading the free finpension app to your smartphone. No minimum fee and no obligation to make a deposit.
- From 1 CHF
- Up to 5 independent portfolios
- Free choice between account or securities
- 25 CHF fee credit per referral
