The finpension savings plan is many times cheaper than with established banks.
Direct access: #Strategies #Fund list
Advantages
Advantages of an ETF savings plan with finpension
Invest in ETFs – with minimal effort, cost-effective and tax-optimized. So that you can also complete your tax return as easily as possible, you will receive a free e-tax statement from us at the end of the year. Further advantages of our investment solution.
3 x cheaper
From 1 franc
Thanks to digitalization and fractional trading, you can get started with finpension from as little as one franc.
Up to 10 portfolios
Open up to ten portfolios for different investment goals or as a children’s portfolio.
CHF 25 per recommendation
Receive a fee credit for every successful referral.
Asset accumulation
Fund savings plan: The easy way to build up assets
The finpension savings plan is very simple. Transfer money to your finpension portfolio on a regular basis. We take care of everything else. We make sure that your money is invested. Dividends are also reinvested automatically.
Take advantage of the compound interest effect
Invest with peace of mind thanks to the cost-average effect
Investment strategies
The right investment strategy also depends on your values
Tell us what is important to you. We’ll take care of the rest. With the «Auto Select» strategy selection mode, we select the equity component that best suits you.
With the «Self Select» strategy selection mode, you choose the equity component that suits your risk appetite yourself. You can also determine the investment focus or put together a strategy yourself.
App Features
Individual strategies
For more flexibility when investing, you can create individual investment strategies with finpension.
Adjust the weighting of the investment instruments with just a few clicks or swap them according to your preferences. Thanks to practical filter and search functions, you can quickly find the right investment instrument.
All important information is directly available – thanks to the linked fund factsheets.
Fees
A good investment doesn't have to be expensive
The flat-rate management fee is made up of two components: the fee for general custody account management of 0.30 % and a fee for asset management of 0.09 %.
This breakdown makes it easier for you to deduct the custody account fee from your taxes later on.
Added to this are the costs of the funds used (TER). These are between 0.08 and 0.10 % for the standard Global, Swiss and Sustainable strategies.
*As a marketing campaign and in order to benefit from the increased willingness of domestic bank customers to switch, we have decided to waive the fees for the whole of 2025.
0.39%
free of charge from 01.01.2025 to 31.12.2025*
Added value
Low fees lead to high added value in the long term
Savings plans from banks and insurance companies are quickly one per cent more expensive per year than with finpension. Because it is unlikely that the investment products offered by banks and insurance companies will perform better year after year, you should avoid these offers. High fees are one of the main return killers. Thanks to low costs, you can save a lot of money over the years, as the following ETF savings plan calculator with an annual investment of CHF 12,000 shows:
Calculation basis:
Starting capital of 0 francs. Annual payment of 12,000 francs. Average annual return of the competition of 4 %. Additional return with finpension compared to the competition of 1 % due to lower investment costs and investments with a lower withholding tax burden.
Opening process
How easy it is to set up an ETF savings plan with finpension
Thanks to online registration, you can get started today and set up your savings plan. See how easy it is here:
Step
1
Choose an investment strategy consisting of ETFs
The basis for a good savings plan is the right investment strategy. finpension offers you strategies that have a broad diversification of investment risks and are precisely tailored to your needs. Whether classic, sustainable or self-determined. You decide and we will guide you.
FAQ
Frequently asked questions about the finpension investment solution
Who can set up an ETF savings plan with finpension?
To open an ETF savings plan with finpension, you must be resident in Switzerland. You must also be liable for tax in Switzerland and not 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 not a US person.
Can I open a portfolio for my children?
Yes, if you want to invest money for your children, we recommend that you add a note to the portfolio (via the context menu / the three dots on the portfolio). In this case, the money remains yours and you can continue to dispose of it freely.
Am I obliged to make regular payments?
No. You can decide for yourself at any time when and how much you want to pay in.
When will my portfolio be rebalanced?
Your portfolio will only be rebalanced if there is a certain deviation between the strategic weight of a fund and the effective weight (deviation of more than one percentage point).
How often can I change my investment strategy?
You can change the investment strategy at any time without finpension charging a fee. The investment strategy will be implemented on the next trading day following the change to the investment strategy (rebalancing).
Security
Just as secure as a bank
finpension is as secure as a bank. We are licensed as an account-holding securities firm and are directly subject to the Swiss Financial Market Supervisory Authority FINMA. Cash balances at finpension are protected by the deposit protection scheme up to CHF 100,000, just like at a bank.
More secure than e-banking
The finpension app and web app are more secure than using e-banking. This is because withdrawals are only possible to a verified reference account. If fraudsters get hold of your login details, they will still not be able to make withdrawals to other accounts.
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.
Open a portfolio without an ID card
You do not yet need an ID card to open a portfolio. The ID check takes place in a downstream process that you can initiate yourself before making your first deposit. Try it out without obligation and have a look around the app. You even have the option of deleting your account yourself in your profile in the app if you change your mind.
Invest wealth