Take the wheel. With the vested benefits foundation from finpension. Self-determined and goal-oriented.
Benefits
Within the framework of vested benefits, you can decide for yourself how your assets from second pillar are invested. The securities solution from finpension offers the following advantages:
Cheaper
Better
Higher
More effective
Flat rate fee
The investment strategies offered are implemented with zero-fee funds. The costs for access to these funds are borne by the foundation. They are included in the flat-rate management fee.
There are no further charges for transaction or custody. 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 other currencies
Before you can buy funds in other currencies than CHF, your provider must convert the money into the appropriate currency. Most providers will earn money when they change your money into a other currency. They charge you a higher exchange rate and take part of it for themselves. finpension does not charge a margin on other currency exchange*. 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.
*As a rule, we use the CHF funds. If necessary, the exchange into the other currency takes place within the fund, which leads to the same result as described above. There is no hidden fee.
No issuing commission
There are providers who 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. Thus, 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
Many double taxation agreements with foreign countries give preferential treatment to pension funds. In contrast to private investments, these pension funds do not have to pay any or only a reduced withholding tax on the income generated, such as dividends and interest. In order to benefit from this, your money is invested in index funds that are subject to investor group control at finpension 3a Retirement Savings Foundation. In contrast to ETFs, which can be subscribed to anonymously and by anyone on the stock exchange, the index funds used can only be purchased by pension funds. This means that you benefit by being credited with the full returns.
More value
One percent more or less. Who cares about that? But watch out: Over time, a supposedly small difference can make a lot of money. Take a look for yourself:
Bases of calculation:
Investment period 25 years, average annual return of 3.25 %, incl. additional return compared to competitors of 0.75 % due to lower investment costs and withholding tax optimisation.
Strategies
We have put together six investment strategies for you with varying degrees of equity exposure. The strategies are available in three different versions, Global, Switzerland and Sustainable. Each strategy can be adapted individually. You decide. But don’t worry, we will help you.
Since you can invest in the zero-free fund classes with finpension, the average costs of the funds (TER) used are close to 0.00 %.
Fund house
Your strategy is implemented with the zero-free funds of Credit Suisse, Swisscanto or UBS.
The fund houses are all on a par. None is superior to the other. Choose one of the fund houses according to your preference, or combine the funds as you wish with an individual strategy.
Swisscanto
Your strategy is implemented with Swisscanto’s index funds. Swisscanto is owned by Zürcher Kantonalbank.
UBS
Your strategy is implemented with the UBS index funds.
ex Credit Suisse
Your strategy is implemented with the Credit Suisse Index Funds (CSIF).
Register now
You can register directly via our web app or by downloading the finpension app on your smartphone. Have your health insurance card ready, because the AHV number is on it, which will be requested during registration.
- Download and registration are free of charge and there is no minimum fee.
- There is no obligation to transfer vested benefits and there is no minimum contract period.
- You only pay from the moment your first vested benefit credits is received.
- Transfers of existing vested benefits are of course possible at any time. You will receive a transfer form as soon as you have registered.
- For each successful referral, you will receive a fee credit of 25 Swiss francs.
