Finpension 3a

Account opening

Opening an account is entirely online and can be done in less than 5 minutes. English, German and French is supported.

Strategies

Finpension offers 3 types of investment strategies: Global, Switzerland and Sustainable, with different bonds and shares ratios.

Funds

It is possible to create a customized strategy by selecting funds from a list of over 40 index funds. The fund provider is Credit Suisse, except for the crypto fund from Crypto Finance.

The following asset class are available: Cash, Equities, Bonds, Real estate, Gold and Crypto

The limits are:

• • Max 20% of alternative (crypto and Gold)
  • Max 50% of real estate
  • Max 5% of Crypto

Finpension uses Credit Suisse funds that benefit from preferential tax treatment for pension funds, with zero or reduced local and foreign withholding tax.

ESG

Finpension offers ESG funds.

Fee

The yearly fee is 0.39% + VAT, which makes a total of around 0.42%. Some specialized funds will add between 0.01% to 0.09% on top of the yearly fee, and the crypto fund will add 2.1% on top. The fee on cash is 0.39% + TVA.

As most funds offers are traded in CHF, there are no currency exchange fees.

Trading day

Purchases and sales of funds are made weekly on the second banking day of the week.

Others services

For each recommendation, Finpension reduces the yearly fee.

Platforms

Finpension is available on the web and on an app (Apple and Android devices).

About Finpension

Finpension has 1 billion under management, including 3a, vested benefits and pillar 2. The 3a foundation is based in Schwytz and the management in Luzern.