Vested Benefits Foundation

Take the wheel. With the securities app from finpension. Self-determined and goal-oriented.

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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

Lower fees and no fees for foreign currency exchange

Better

Better performance thanks to exemption from foreign taxes on dividends

Faster

Faster investing of transfers and deposits thanks to weekly trading

More effective

More effective thanks to advance payment of withholding tax reclaim

Flat rate fee

We like simple and transparent solutions. That is why our fee is a flat rate.

Our flat rate fee includes the fees of the investment funds used. There are no further charges for transaction or custody. To the fee schedule.

0.49 %
All-in-Fee

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 foreign currencies

Before you can buy funds in foreign currencies, your provider must convert the money into the appropriate currency. Most providers will earn money when you change your money into a foreign currency. They charge you a higher exchange rate and take part of it for themselves. finpension does not charge a margin on foreign 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 foreign 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:

Competition

185'394

finpension

222'460
Investment amount: 100'000 CHF
+ 23’660 CHF

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. Decide for yourself.

finpension Equity 0
Product costs (TER): 0.00 %*
finpension Equity 20
Product costs (TER): 0.01 %*
finpension Equity 40
Product costs (TER): 0.01 %*
finpension Equity 60
Product costs (TER): 0.01 %*
finpension Equity 80
Product costs (TER): 0.02 %*
finpension Equity 100
Product costs (TER): 0.02 %*
finpension Equity 0
Product costs (TER): 0.00 %*
finpension Equity 20
Product costs (TER): 0.01 %*
finpension Equity 40
Product costs (TER): 0.01 %*
finpension Equity 60
Product costs (TER): 0.01 %*
finpension Equity 80
Product costs (TER): 0.01 %*
finpension Equity 100
Product costs (TER): 0.01 %*
finpension Equity 0
Product costs (TER): 0.00 %*
finpension Equity 20
Product costs (TER): 0.03 %*
finpension Equity 40
Product costs (TER): 0.03 %*
finpension Equity 60
Product costs (TER): 0.03 %*
finpension Equity 80
Product costs (TER): 0.03 %*
finpension Equity 100
Product costs (TER): 0.03 %*
*

The strategies are implemented with Credit Suisse institutional funds. These funds belong to the zero fee class. This means that, in principle, these funds have no product costs (0.0 % TER). The costs of accessing the funds are borne by the foundation. However, the funds may invest in sub-funds that have product costs. This is particularly the case with Real Estate Switzerland, as no other diversification (e.g. via direct investments) is possible. The product costs are reported transparently in the strategy.

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.