Why does the value of my portfolio not adjust?

This is due to the funds used. At finpension, we do not use ETFs in our pension provision, but genuine pension funds. Genuine pension funds have tax advantages over ETFs.

Difference in the pricing of ETFs and pension funds

The price of ETFs is updated continuously during stock exchange opening hours. In the case of pension funds that are not traded on the stock exchange, the price is only set once a day, usually at the end of the day.

But that’s not all. It sometimes takes another day before the price is published by the fund management company. In total, this leads to a delay of 1 to 2 days.

Example with a fund from Swisscanto

We will give an example with the following fund ‘Swisscanto (CH) Index Equity Fund Large Caps Switzerland FA CHF’:

• When we wrote this FAQ entry, it was 10 April 2025, 12.30 pm.
• The last price published by the fund house at that time was that of 8 April 2025, as the following screenshot shows.

What does this mean for users of the finpension app?

From 8 to 9 April 2025, the price of the SMI fell from 11,359 to 10,888. At midday on 10 April 2025, the price was back at around 11,400 and had made up for the previous day’s loss. These price fluctuations are shown in the app with a delay.