Pillar 3a fees: 0.29% p.a.
As low-cost as ever: Pillar 3a from findependent. So more stays with you
Pillar 3a fees: 0.29% p.a.
As low-cost as ever: Pillar 3a from findependent. So more stays with you
Pillar 3a fees: 0.29% p.a.
As low-cost as ever: Pillar 3a from findependent. So more stays with you
moneyland.ch
"A leader in the investment app comparison"
Authorised and supervised by FINMA
Same protection as with established banks
moneyland.ch
"A leader in the investment app comparison"
Authorised and supervised by FINMA
Same protection as with established banks
moneyland.ch
"A leader in the investment app comparison"
Authorised and supervised by FINMA
Same protection as with established banks
As simple as possible, as low-cost as possible
The findependent 3a pillar costs 0.29% per year of your investment amount.
This makes it not only much cheaper than bank offers (1.1%), but also quite a bit cheaper than comparable digital offers (0.39 - 0.45%). Read more about this in our comparison on pillar 3a providers.
Thanks to lower fees, findependent leaves more of your returns in your pocket.
0.29%
per year
Costs of the index funds (TER)
As part of Pillar 3a, we can use specialized pension index funds with so-called «zero-fee classes». As the name suggests, they have costs (TER) of 0.00%.
All of this is included in the 0.29%
Management and monitoring
Your 3a assets are managed by findependent. We select the best index funds for you and continuously monitor and optimize your 3a investment solution with our automatic rebalancing. That's all included.
Product costs
The index funds we select have a TER of 0.00%. They are traded in Swiss francs, so you pay no currency conversion fees. In addition, the index funds are tax-optimized to make your returns even better.
Strategy changes
You can change your pillar 3a investment solution at any time, e.g. from «balanced» to «bold» or vice versa. This too, you guessed it, is included in the price.
Deposits & transfers
All deposits in any amount are completely free of charge.
And of course, incoming transfers of your existing pillar 3a funds are free too.
No contractual commitment
Should you decide to leave us and switch to another 3a provider after all, we won't charge you anything. In addition, you enter into no obligation with our 3a, and you have no minimum duration or surrender values like you might know from insurance solutions.
Withdrawal upon retirement
Reaching the age limit and starting the staggered withdrawal of your 3a portfolios? We will, of course, take care of that for you with no added costs.
Pro tip: You can reinvest the freed-up funds directly using findependent Invest, your investment solution.
All of this is included in the 0.29%
Management and monitoring
Your 3a assets are managed by findependent. We select the best index funds for you and continuously monitor and optimize your 3a investment solution with our automatic rebalancing. That's all included.
Product costs
The index funds we select have a TER of 0.00%. They are traded in Swiss francs, so you pay no currency conversion fees. In addition, the index funds are tax-optimized to make your returns even better.
Strategy changes
You can change your pillar 3a investment solution at any time, e.g. from «balanced» to «bold» or vice versa. This too, you guessed it, is included in the price.
Deposits & transfers
All deposits in any amount are completely free of charge.
And of course, incoming transfers of your existing pillar 3a funds are free too.
No contractual commitment
Should you decide to leave us and switch to another 3a provider after all, we won't charge you anything. In addition, you enter into no obligation with our 3a, and you have no minimum duration or surrender values like you might know from insurance solutions.
Withdrawal upon retirement
Reaching the age limit and starting the staggered withdrawal of your 3a portfolios? We will, of course, take care of that for you with no added costs.
Pro tip: You can reinvest the freed-up funds directly using findependent Invest, your investment solution.
All of this is included in the 0.29%
Management and monitoring
Your 3a assets are managed by findependent. We select the best index funds for you and continuously monitor and optimize your 3a investment solution with our automatic rebalancing. That's all included.
Product costs
The index funds we select have a TER of 0.00%. They are traded in Swiss francs, so you pay no currency conversion fees. In addition, the index funds are tax-optimized to make your returns even better.
Strategy changes
You can change your pillar 3a investment solution at any time, e.g. from «balanced» to «bold» or vice versa. This too, you guessed it, is included in the price.
Deposits & transfers
All deposits in any amount are completely free of charge.
And of course, incoming transfers of your existing pillar 3a funds are free too.
No contractual commitment
Should you decide to leave us and switch to another 3a provider after all, we won't charge you anything. In addition, you enter into no obligation with our 3a, and you have no minimum duration or surrender values like you might know from insurance solutions.
Withdrawal upon retirement
Reaching the age limit and starting the staggered withdrawal of your 3a portfolios? We will, of course, take care of that for you with no added costs.
Pro tip: You can reinvest the freed-up funds directly using findependent Invest, your investment solution.
Personal online conversation
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
Personal online conversation
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
Personal online conversation
Book a non-binding call with Kay or Jordan.
Free of charge · 30 min · online
Start saving on fees today
Scan the QR code, download the app, and benefit from our unbeatable low fees.
Start saving on fees today
Download the app & benefit from our low fees
Start saving on fees today
Scan the QR code, download the app, and benefit from our unbeatable low fees.
FAQ
The most frequently asked questions and answers about findependent
How can I transfer existing 3a assets?
In the findependent app under pillar 3a, click on «Pay in». There you can create your personal transfer order with just a few clicks to transfer your 3a assets to findependent.
All you have to do then is print out the prepared transfer order, sign it, and send it by mail to your previous retirement savings foundation. We’ll handle the rest in the background for you.
Are there fees for deposits or withdrawals with the pillar 3a?
Deposits are always free of charge.
Ordinary payouts such as drawing your 3a assets at retirement age or transferring to another 3a provider also cost you absolutely nothing. This includes the payout of assets to beneficiaries in the event of death.
Extraordinary withdrawals, such as payouts for self-employment, owner-occupied property, or emigration, are charged according to the fee regulations.
On what basis are fees calculated for the pillar 3a? How are they charged?
The Management fees of only 0.29% per year are calculated at the end of each quarter and relate to the average value of your 3a assets. These also include the Custody fees of the custodian bank. From our perspective, you pay a very fair price for the management of your 3a assets. Nationwide, our pillar 3a is one of the most affordable.
The fees apply to each portfolio individually. But don't worry, having multiple portfolios isn't more expensive. The fees are calculated as a percentage of your invested sum and, as you've already read, amount to 0.29% per year (and thus 0.0725% per quarter).
Example: If you have a portfolio with 60’000 francs, this will cost you 43.50 francs per quarter. If you have two portfolios with 30’000 francs each, they will cost you 21.75 francs each, adding up to 43.50 francs as well.
FAQ
How can I transfer existing 3a assets?
In the findependent app under pillar 3a, click on «Pay in». There you can create your personal transfer order with just a few clicks to transfer your 3a assets to findependent.
All you have to do then is print out the prepared transfer order, sign it, and send it by mail to your previous retirement savings foundation. We’ll handle the rest in the background for you.
Are there fees for deposits or withdrawals with the pillar 3a?
Deposits are always free of charge.
Ordinary payouts such as drawing your 3a assets at retirement age or transferring to another 3a provider also cost you absolutely nothing. This includes the payout of assets to beneficiaries in the event of death.
Extraordinary withdrawals, such as payouts for self-employment, owner-occupied property, or emigration, are charged according to the fee regulations.
On what basis are fees calculated for the pillar 3a? How are they charged?
The Management fees of only 0.29% per year are calculated at the end of each quarter and relate to the average value of your 3a assets. These also include the Custody fees of the custodian bank. From our perspective, you pay a very fair price for the management of your 3a assets. Nationwide, our pillar 3a is one of the most affordable.
The fees apply to each portfolio individually. But don't worry, having multiple portfolios isn't more expensive. The fees are calculated as a percentage of your invested sum and, as you've already read, amount to 0.29% per year (and thus 0.0725% per quarter).
Example: If you have a portfolio with 60’000 francs, this will cost you 43.50 francs per quarter. If you have two portfolios with 30’000 francs each, they will cost you 21.75 francs each, adding up to 43.50 francs as well.
FAQ
The most frequently asked questions and answers about findependent
How can I transfer existing 3a assets?
In the findependent app under pillar 3a, click on «Pay in». There you can create your personal transfer order with just a few clicks to transfer your 3a assets to findependent.
All you have to do then is print out the prepared transfer order, sign it, and send it by mail to your previous retirement savings foundation. We’ll handle the rest in the background for you.
Are there fees for deposits or withdrawals with the pillar 3a?
Deposits are always free of charge.
Ordinary payouts such as drawing your 3a assets at retirement age or transferring to another 3a provider also cost you absolutely nothing. This includes the payout of assets to beneficiaries in the event of death.
Extraordinary withdrawals, such as payouts for self-employment, owner-occupied property, or emigration, are charged according to the fee regulations.
On what basis are fees calculated for the pillar 3a? How are they charged?
The Management fees of only 0.29% per year are calculated at the end of each quarter and relate to the average value of your 3a assets. These also include the Custody fees of the custodian bank. From our perspective, you pay a very fair price for the management of your 3a assets. Nationwide, our pillar 3a is one of the most affordable.
The fees apply to each portfolio individually. But don't worry, having multiple portfolios isn't more expensive. The fees are calculated as a percentage of your invested sum and, as you've already read, amount to 0.29% per year (and thus 0.0725% per quarter).
Example: If you have a portfolio with 60’000 francs, this will cost you 43.50 francs per quarter. If you have two portfolios with 30’000 francs each, they will cost you 21.75 francs each, adding up to 43.50 francs as well.
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
ENGLISH
© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.