The right investment solution is as individual as your life! Which is why there is no single solution that fits everyone.

The good news: With findependent, everyone can find the right investment solution. And so you don't have to rack your brain over it for hours, we make it as easy as possible for you:

• The app helps you choose: When opening your account, we ask you a few short questions in the app about your goals and risk tolerance. Based on your answers, the app automatically suggests the investment solution that best fits your profile.

• Customize even further: Already have investing experience and want to tailor your investment solution even more? You can do that with us. With your own custom investment solution (from CHF 5,000), you can assemble your portfolio from around 40 preselected ETFs according to your own wishes and priorities.

Good to know:

• Hold multiple investment solutions at the same time: You don't have to choose a single strategy for all your money! You can simply create multiple investment goals in the app – for example, a long-term goal "Retirement" with the "Risk-seeking" solution, and at the same time a "New car" goal with the "Cautious" solution or for your (god)child.

• Nothing is set in stone: If your plans change, you can adjust your investment solution in the app at any time. And if you're ever unsure about your choice, you can book a free online consultation with our team at any time – we're happy to help!

We always keep an eye on your investment solution, so you don't have to.

• Weekly & Automatic: Every week, our system checks if the weighting of your asset classes (e.g. stocks or bonds) is still on track. If it deviates too much from the plan, we automatically rebalance it. This ensures that your risk level always matches your profile.

• Bi-annually & Personal: Our investment committee of investment experts reviews all ETFs used twice a year and recommends replacing them if there are better or cheaper alternatives on the market. 

This is how we ensure your investment solution is always optimally configured for you.

This can happen with smaller investment amounts (under 2’000 francs) and is for purely technical reasons. Since we can only buy whole ETF shares and some shares cost over 100 francs, the percentage allocation can initially deviate slightly from the target value. 

Don't worry, this is completely normal. The more money you invest, the more closely the allocation will match your chosen target. Our system automatically optimizes this for you with every deposit.

You can use all findependent investment solutions at either the Start or Grow level.

With an investment amount between 500 and 2’000 francs, you use our core ETFs (Start level). For cost reasons, it makes sense to begin with only these core ETFs for smaller investment amounts. But don't worry, you are still broadly diversified and invested in the most important stock markets.

If your investment amount is over 2’000 francs, you receive additional ETFs (Grow level). These are continuously added in a cost-optimized way, so that from an investment amount of about 2’500 francs, your solution will consist of the full range of ETFs.

You can see which ETFs we use in an overview here.

Yes, you can. With findependent, you can have as many investment solutions as you like to invest separately for different goals or purposes, such as for a child. 

To do so, simply create a new goal in the app (using the green plus icon next to your existing goal), choose one of our five ready-made investment solutions (or create your own) - and you're all set!

You always have the option to further increase your fee-free allowance / amount by referring findependent to others. If the person you invite also invests with us, both your and their fee-free allowance will increase. 

Here’s how it works:
Share your personal referral code with your friends and family. You can find it in the profile section of the app under «Invite friends / increase fee-free allowance».

You can find more information on our information page.