We will be launching our own 3a solution this autumn. In true findependent style, it will be simple, transparent, and particularly cost-effective. We will of course keep you updated.

In the meantime, you can continue to invest your money in findependent's non-linked provision measures - where you have complete freedom regarding deposit amounts and withdrawal times.

Nobody knows - at least not for certain. No one can reliably predict how the financial markets will develop in the future. Consequently, the "perfect" times to get in and out only become clear in hindsight. Speculating on this often backfires, as you usually end up chasing market trends. 

Instead, it's advisable not to wait, but to start investing as early as possible - regardless of how the market seems at the moment. After all, the longer your investment horizon, the significantly lower the risk of loss becomes. Plus, you benefit more from the power of compound interest. 

Furthermore, it's advantageous in the long run to hold onto your investments through all market conditions. This is the strategy findependent follows. It requires perseverance during a crisis but ultimately leads to higher returns and minimized risk. 

The best approach is to automate your deposits with a standing order. That way, you don't have to think about it and won't be tempted to speculate on market timing.

We are not just "a finance app", but a fully regulated Swiss financial institution:

findependent holds a license as an account-keeping securities firm (securities house). This means we are subject to direct supervision by the Swiss Financial Market Supervisory Authority (FINMA) – just like major Swiss banks. We must meet extremely strict requirements regarding capital, liquidity, cybersecurity, and risk management.

What does this mean for you? You enjoy the same security as with a bank, while simultaneously benefiting from the simplicity, the new technology, and the lower fees of a modern provider.

We make a difference by making investing radically simple, fair, and accessible. Our focus is on you, not on some complicated financial products.

• Effortless Start: With us, you can start investing with as little as 500 francs - simply, digitally, and in just a few minutes.

• Convenient and Easy: We take care of everything - from creating the optimal investment mix and automatic rebalancing to providing a free electronic tax statement. You can sit back and relax.

• Fair Fees: We are significantly cheaper than traditional banks. With us, there are no hidden fees. Your tax statement? Free. Closing your account? Free.

• Full Transparency & Flexibility: Our app shows you everything important at any time. You decide when and how much you deposit or withdraw.

• Independence: We are not a bank. We work exclusively for you and do not accept commissions from product providers.

• By Investors, for Investors: A large part of our company is owned by our community. This means we always develop findependent with your best interests at heart.