Lower fees without commissions on currency exchange
Direct access: #Strategies #Fund list
Advantages
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
Fees
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.
0.39%
No hidden fees
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:
No margin when changing into other currencies
No issuing commission
Withholding tax exemption
Added value
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.
Basis for calculation:
Starting capital 0 francs. Annual payment of the maximum amount of currently CHF 7,056. Average annual return of the competition of 2.5 %. Additional return with finpension compared to the competition of 1 % due to lower investment costs and reclaiming withholding tax on foreign income.
Investment strategies
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.
App features
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.
Fund house
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).
Process
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.
Step
1
Deposit or transfer
Transfer money or have an existing 3a account or 3a custody account transferred to finpension.
Step
2
Automatic investment
Your deposits are always invested in your investment strategy on the second bank working day of the week.
Step
3
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.
Aim
FAQ
Questions & answers about the 3a investment solution from finpension
How much can I deposit when I open a 3a portfolio with finpension?
A distinction is made between persons who are affiliated to a pension fund (2nd pillar) and those who are not affiliated to a pension fund.
For people with a pension fund, the maximum payment for one year is limited to CHF 7,258. Persons without a pension fund may pay up to CHF 36,288 per year into pillar 3a, but no more than 20% of their net earned income (gross income less AHV, IV, EO and ALV contributions).
How long does it take for my deposit to be invested?
The free funds in a 3a portfolio are invested in the selected strategy on the second bank working day of the week.
How often can I change the strategy? Are there any costs for strategy changes?
You can change the strategy as often as you like. Your chosen investment strategy is always implemented on the second bank working day of the week.
We do not charge any additional fees for strategy changes. However, there may be minimal costs for buying and selling, so-called spread costs. It is therefore not recommended to change your strategy on an ongoing basis. It is better to have a strategy that you remain loyal to in the long term.
Why doesn't finpension use ETFs in pillar 3a?
finpension uses index funds that have been specially developed for pension schemes. These can only be traded by pension funds. The decisive advantage of these pension funds is that they benefit from a withholding tax exemption. ETFs are different. ETFs are not exempt from withholding tax. Compared to pension funds, ETFs therefore incur indirect costs.
Withholding tax is when tax is deducted from dividends or interest payments abroad. In Switzerland, it is known as withholding tax.
Can each portfolio be purchased separately (in stages) at a later date?
Yes, as with 3a accounts, you can purchase portfolios separately from the finpension 3a Pension Foundation.
We have chosen the term ‘portfolio’ because finpension 3a Retirement Savings Foundation offers both a 3a account and pension funds.
When can money in a 3a account with finpension be withdrawn again?
You can draw Pillar 3a at the earliest five years before you reach the statutory AHV reference age.
However, there are exceptions. In these cases, you can withdraw the credit in advance:
- For financing home ownership (home ownership promotion).
- For taking up self-employment.
- If you emigrate and leave Switzerland for good.
- When drawing a full disability pension and if the disability risk is not insured.
Web application and mobile app
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
3a Retirement Savings Foundation