Finpension: The ultimate solution for investing in ETFs and the 3rd pillar 3a in Switzerland
Planning for your financial future is crucial, especially in Switzerland, where the pension system is based on multiple pillars. Finpension is an innovative platform that allows investors to build their wealth through ETFs (Exchange Traded Funds) and efficiently manage their 3rd pillar 3a with full transparency and competitive fees. Supervised by FINMA (Swiss Financial Market Supervisory Authority), Finpension is an ideal solution for those looking to optimize their retirement savings with maximum flexibility and minimal costs.
What is Finpension?
Finpension is a Swiss fintech specializing in investment portfolio management, particularly for the 3rd pillar 3a. The platform offers a modern and digital approach, enabling clients to customize their investment portfolios based on their risk profile and personal preferences.
Finpension was created to make private pension planning more accessible and profitable, focusing on:
- Low fees,
- Full transparency,
- Optimized returns through ETFs,
- A user-friendly digital platform.
Get a CHF 25 fee credit with my referral code!
By signing up for Finpension using my personal referral code: 6M1848, you will receive a CHF 25 fee credit, provided you deposit or transfer at least CHF 1,000 within the first 12 months.
How to claim your CHF 25 bonus?
- Sign up on Finpension via this link or the mobile app.
- Enter the referral code 6M1848 during registration.
- Deposit at least CHF 1,000 into your account within the first year.
- Enjoy your CHF 25 fee credit, and I will too!
No obligations, just benefits! Don’t miss this opportunity to optimize your retirement savings with a reliable and transparent solution.
The financial advantages of Finpension
Competitive and Transparent Fees
One of Finpension’s key advantages is its clear and low-cost fee structure. The platform charges a total fee of 0.39%, which includes:
- A general custody fee,
- An asset management fee.
Additionally, investors should consider the fund fees (TER – Total Expense Ratio), which range between 0.08% and 0.10% for the standard investment strategies (Global, Swiss, and Sustainable). No hidden fees, ensuring complete peace of mind.
No Currency Exchange Margins
When buying fund shares in foreign currencies, most providers apply a margin on the exchange rate. Finpension charges no margin, allowing you to invest more without unnecessary costs. This also applies when selling shares and converting them back to Swiss francs.
No Issuance or Redemption Fees
Unlike other providers that may charge up to 5% issuance fees, Finpension ensures that 100% of your invested amount is allocated to fund purchases, with no deductions.
Flexible Withdrawal Options
A significant advantage of Finpension is the possibility of setting up permanent withdrawals, offering flexibility and access to your funds when needed.
How does the permanent withdrawal process work?
- Every 20th of the month, a payment order is automatically generated.
- The requested amount is liquidated on the next rebalancing day.
- Once the sale of fund shares is completed, the amount is transferred to your designated account.
- Withdrawals continue until the portfolio value reaches zero.
Note: Permanent withdrawals are not available for portfolios containing private market investments.
Investment strategies offered by Finpension
Finpension provides three main investment strategies tailored to different investor profiles:
- Global Strategy – Worldwide diversification with exposure to international markets.
- Swiss Strategy – Focus on Swiss companies for stability and local market strength.
- Sustainable Strategy – Responsible investments based on ESG (Environmental, Social, and Governance) criteria.
These strategies are implemented with funds from Credit Suisse, Swisscanto, and UBS, ensuring professional management and broad diversification.
Comparing Finpension with other providers
Compared to other 3rd pillar solution providers in Switzerland, Finpension stands out by offering:
- Lower fees,
- Full transparency,
- Highly customizable options,
- 100% digital and autonomous management,
- No currency exchange or hidden fees.
How to Open a Finpension Account?
Follow these simple steps to start investing with Finpension:
- Sign up online via the website or the mobile app.
- Choose your investment strategy based on your goals.
- Make an initial deposit of at least CHF 1,000 to qualify for the referral bonus.
- Monitor your investments through the intuitive dashboard.
Don’t forget to use my referral code: 6M1848 to claim your CHF 25 fee credit!
Conclusion
Finpension is an excellent choice for those looking to optimize their retirement savings in Switzerland with low-cost ETFs, full transparency, and an easy-to-use platform. Whether you’re new to investing or an experienced investor, Finpension provides a modern, flexible solution for managing your 3rd pillar 3a.
Sign up now with the code 6M1848 and get a CHF 25 fee credit!
