Menu
Skip to content 
Are you looking for a smart way to invest your money? With "Finpension Invest" Finpension introduces an exciting new option on how you can convenient, affordable and with very exciting functions can.
In this article, you will gain an in-depth insight into our Finpension Invest experience and find out how the solution compares with other providers.
Stay tuned if you want to find out how you can make your money work more effectively!
"Finpension Invest" is the latest innovation from Finpension, a leading provider of pension solutions in Switzerland. This offer allows you to invest your free assets (i.e. not in the pension scheme) with a very low Entry threshold of just one franc into a Broadly diversified portfolio to invest. Whether you want to invest in traditional markets with ETFs and index funds or exciting private markets, "Finpension Invest" offers a flexible and convenient solution.
The solution is not only in the Finpension Appbut as from the Final pension provision used to working in a Web solution available for the computer.
Thanks to the savings plan function, it is not only possible to make deposits automatically, but even to Automated payout plan ensures positive Finpension Invest experiences.
The special features of the Finpension investment solution are the "Look-through" reports on withholding tax for ETFswhich allow a withholding tax credit on US dividends. This can improve the return on your Global 100 portfolio by around 0.15 %. All you need to do is upload the automatically generated tax reports with your annual tax return.
In addition Tax-deductible custody fees and the opportunity to invest even small amounts in private markets (companies that are not listed on the stock exchange), which was previously unheard of in Switzerland!
The Clear and simple fee structure makes it easy to understand and compare the costs of your investment. Here's a closer look at the Finpension Invest fees:
This transparent cost structure is of course a good basis for a positive Finpension Invest test report. After all, an efficient and cost-effective way to manage and grow your assets is the basis for successful long-term investments.
Your key to success! Discover our top recommendations from real testimonials.
To better understand Finpension Invest's positioning in the market, it is worth comparing its offering with other leading providers of passive investment solutions in Switzerland. We have looked at some of the most relevant platforms to give you a good Finpension Invest comparison.
| Provider | Fee structure | Minimum investment | Special features |
|---|---|---|---|
| Finpension Invest | 0.47% - 0.49% annually all-in-fee including product fees, no transaction fees | From CHF 1 | Tax-deductible custody fee, access to private markets, tax optimisation ETFs, automatic payout plans, low costs |
| True Wealth | 0.39% - 0.72% per annum for management and product fees | CHF 8'500 | Customisable portfolios, low costs, smart functions for combination with 3a. Real children's portfolio |
| Findependent | From 0.45% - 0.67% per annum for management and product fees | From CHF 500 | Low fees, up to 5 investment pots |
| Selma Finance | 0.64% - 0.90% per annum for management and product fees | CHF 2'000 | Asset analysis by AI, pillar 3a offer |
With our voucher you can even save CHF 25 from fees. Use the Finpension Invest voucher code to open an account and deposit at least CHF 1,000 within one year!
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Finpension Invest brings some innovative new features to the world of digital asset management, as mentioned above. Let's take a brief look at them below:
Access to private markets: Normally, private markets (companies that are not listed on the stock exchange) are only accessible for very large sums and only for selected investors. Finpension Invest provides access to private market funds that are otherwise not accessible to private clients. As these have a higher risk and the money is tied up for a fixed period of time, verification via knowledge questions is necessary. If these are answered incorrectly at Finpension, the offer is also not available. Nevertheless, here is some information:
Advantages of private markets:
Higher return potential: Often higher expected returns than traditional markets.
Diversification: Offers an additional opportunity for risk diversification, as most companies are not even listed on the stock exchange.
Private Markets Disadvantages:
In this Finpension Invest experience report, you will certainly notice how innovative the solution is. The service only went live in 2024 and will certainly have even more functions in the future.
Let's take a look at the disadvantages and missing functions so that we don't just highlight the positives:
The still young offer, published in 2024, is of course not yet perfect and so there are also Finpension Invest disadvantages that you should be aware of:
Finpension Invest is suitable for for people who want to invest their assets in a convenient and uncomplicated way. The functions allow very uncomplicated investment.
Savings plans for asset accumulation, a wide range of investment options, low costs, functions for combining with pension provision through to automatic payout plans - everything has been thought of!
Finpension Invest is not suitable for people who would like to invest actively in individual securities because there are no functions available for active trading (limit orders etc.) of individual securities.
Finpension Invest is also not suitable if you are building up a large portfolio and want to keep the fees very low. This is because the annual management fee quickly adds up. Although brokers also charge fees for ETFs and transactions, holding a large portfolio in particular costs significantly less. For example, an ETF costs only 0.15% TER per year + the custody account fee. With large portfolios, you are well protected with a good Online-Broker therefore more favourable.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Finpension Invest provides you with an innovative and flexible investment solution with which you can inexpensive and Convenient assets build up.
Functions for transactions from and to Finpension pension accounts (3a and 1e) are available. Tax advantages can have a positive impact on the Finpension Invest return.
The range is rounded off by smart Savings plans which are perfectly suited for living off capital in retirement.
Access to private markets is also outstanding and innovative, but should be approached cautiously and, if so, only with a small admixture, as there are increased risks.
If you are interested in starting, please use the following Finpension Invest voucher code [CHFRZ5]. Then you will not only save Finpension Invest fees, but also support further research such as this!
We are all looking forward to your personal Finpension Invest test and your comments on it!
You can invest in the various investment strategies from as little as CHF 1, which makes Finpension particularly accessible.
Yes, there is a free Finpension Invest tax statement. Even an eTax statement is planned and should be available in 2025.
The extract is already very detailed and therefore very innovative, which further reduces the tax burden on ETFs!
The custody fees are tax deductible and there are mechanisms to optimise ETF withholding tax to reduce your potential tax burden.
Yes, transfers from other pension solutions are possible and can be seamlessly integrated.
Private markets refer to investments in unlisted companies and projects, such as start-ups or infrastructure projects. Advantages are potentially higher returns and diversification; disadvantages can be higher volatility and lower liquidity.
There is a Finpension app as well as a desktop solution and Finpension Invest has been integrated into the existing solution. If you already use pillar 3a with them, for example, you will now find the Finpension investment solution in the same platform.
You can set up scheduled withdrawals to generate regular income from your investment capital, ideal for planning your finances in retirement.
Yes, withholding tax on dividend income from US shares can be credited thanks to "look-through" reporting to reduce double taxation in some cantons.
Absolutely, you can set up to 10 different portfolios that are geared towards specific savings goals such as retirement provision, children's education or buying a property.
Your investments are protected by Swiss deposit protection and Finpension is subject to strict supervision by the Swiss financial market authorities.
Investments in private markets are possible from CHF 1; however, liquidity may be limited, which means that withdrawals are not always possible immediately.
4 responses
Hello Eric
Thank you for your assessment of Finpension! You write "...Finpension Invest is not suitable if you are building up a large portfolio"
When is a portfolio considered large?
Merci and keep it up!
Hello Galliker,
Thank you very much for your positive feedback and your question!
Finpension Invest is also suitable for large portfolios - I wrote in the article: ... if you want to keep the fees very low.
(just to be clear once again 🙂 )
If we were talking purely about fees and wanted to optimise them to the maximum: Let's say our ETF portfolio has an average TER of 0.25% per year. If a robo advisor charges 0.40% per year, in this very simplified example 0.15% per year would be free for portfolio management.
As a comparison: at Swissquote, custody account management costs CHF 80 per year, which would mean that the "break-even" point would be reached at a custody account volume of CHF 53,333. After that, a flat custody account fee would be more favourable than a percentage fee on the assets under management.
However, this calculation does not take many factors into account. Probably the most important: the "labour hours" required to set up and maintain the depot yourself.
Hopefully this simplified view will still give you an idea.
This is suitable for many beginners and can pay off: Gaining initial experience comfortably with a robo advisor such as Finpension Invest and if the custody account becomes very large and the fees need to be reduced, you can still switch to a broker (and invest on your own).
Hello Eric
Thanks for your good blogs!
Wouldn't it make sense to invest in short-dated CHF government bonds, so you wouldn't have to go interest rate hopping and also have a correlation advantage if these bonds are combined with equities?
However, I have so far realised that these bonds are rather expensive. Approx. 0.8% of the amount at both Swissquote and Saxobank.
Do you have a more elegant solution so that you don't have to go interest rate hopping? 😉
Kind regards Kili
Hello Kili,
Thank you for your question!
Two requests: Can you please give a little more context to the question? And can you please post it directly to the appropriate post? I don't think it belongs to the Finpension investment solution here, does it?
Thank you very much!