How safe are my 3a assets? What happens in the event of insolvency of Findependent AG?

Every Swiss franc you invest flows directly into the independent findependent 3a retirement savings foundation. It manages your 3a assets and is legally strictly separated from Findependent AG. 

Should push come to shove and findependent, the account-holding Hypothekarbank Lenzburg, or the custodian bank ZKB run into trouble, several protection mechanisms exist depending on who goes bankrupt: Your cash balance at Hypothekarbank Lenzburg is treated preferentially up to 100’000 francs via the bankruptcy privilege. Important: Only 1% of your invested sum is held as cash balance. And your index funds at ZKB? They count as special assets. That means: They belong solely to you and remain completely untouched even in the event of bank insolvency. If Findependent AG gets into financial difficulty, your pillar 3a assets are not affected at all thanks to the legal separation between Findependent AG and the findependent 3a retirement savings foundation. 

So you enjoy the full freedom of a modern investment with the same strong protection as with any traditional Swiss bank.