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.

Yes, absolutely! With us, you can manage up to five different portfolios at the same time. You can add another portfolio directly in the app within just a few seconds. 

This is specifically clever for your future: When you retire, you can withdraw your portfolios in stages rather than all at once. Staggered withdrawals actually make a lot of sense, as you can potentially save a lot on taxes by taking tax progression stages into account. Read more about it here.

It is important to us to be able to stand behind the investments made. To take social and ecological values into account, we use Swisscanto index funds from the «Responsible» series wherever possible. 

These are based on traditional standard benchmark indices, but use defined exclusion criteria and a targeted CO2e reduction. This is reflected in the Swisscanto Sustainability Rating, which ranges from «A» (high) to «G» (low). The rating classifies companies as «A» if they operate in an exemplary manner based on four fundamental pillars (stewardship, controversies, ESG, and climate). On the other hand, companies are classified as «G» if they show major deficiencies in the sustainability analysis. There are five additional rating levels in between. This rating is more comprehensive than pure ESG ratings. In our blog post Sustainable investing with findependent we are happy to explain the details to you. 

We also complete this with our own sustainability screening. To do this, we supplement the Swisscanto Sustainability Rating with our proven screening from our investment solutions. Specifically, we mark every index fund originating from the «Responsible» series with a «leaf», and additionally award an extra «leaf» for an «A rating».

When it comes to the investment focus, you can choose between «Standard», «Switzerland», and «Global». We recommend the «Standard» focus to keep investment costs as low as possible and to spread investment risks as broadly as possible. 

In order for you to have a say in the regional focus within your equities, we additionally offer the «Switzerland» and «Global» investment focus options.  

With the «Switzerland» investment focus, the share of Swiss stocks is 80%. The «Global» focus means that the share of Swiss stocks is reduced to 10%. 

Overview (stocks):
Switzerland = 80% Switzerland, 20% Global
Standard = 40% Switzerland, 60% Global
Global = 10% Switzerland, 90% Global

We select the building blocks for your investment solutions with the greatest care.

We deliberately chose Swisscanto index funds. As a leading provider, Swisscanto allows us to utilize so-called "Zero-Fee classes," which, true to their name, carry a total expense ratio (TER) of 0.00%.

Furthermore, these specialized pension index funds are tax-optimized, so as they are accessible exclusively to pension institutions, they are exempt from foreign withholding taxes.

Our investment committee regularly scours the market for you and relies on two clear promises when selecting index funds: 

First-class quality for your money 

• Only the best: We work exclusively with proven index funds from Swisscanto. 

• Real values: The assets within the index funds are held directly and physically. This guarantees you maximum security. 

• Traded weekly: We trade for you once a week, so your investments can be bought and sold effortlessly for you. 

Uncompromisingly low costs 

• Radically affordable: We select only index funds that have no product costs (TER), so that more of your return stays with you. (Only exception: the Swiss real estate fund.) 

• Absolute independence: We do not accept any kickbacks (retrocessions) from index fund providers. 

• Smarter trading: All index funds convince with flawless liquidity and tight trading spreads, so your money works efficiently for you.

No, we deliberately do not rely on single stocks. Instead, we invest broadly in global markets via index funds. This way, you reduce your risk and benefit from the development of around 1500 companies at the same time. 

You can choose: 

• Ready-to-go solutions: Our five 3a investment solutions with up to eleven index funds – simple, broadly diversified, and effort-free. 

• Custom solution: Put together your personal 3a index fund portfolio from 33 pre-selected index funds. 

Are you missing a specific index fund? Just write to us at service@findependent.ch. 

We rely exclusively on reinvesting index funds. These directly reinvest your returns, which is cost-effective and makes the most of the compound interest effect.

You can adjust your investment solution at any time directly in the app. To do so, first click on the desired portfolio. Then scroll down and click on «Details» under Investment Solution, and on the next screen, click on «Change investment solution». By the way, making changes won't cost you a thing. 

A tip from us: Your investment solution should fit your long-term strategy. We advise against changing it in response to short-term market fluctuations. There is a high risk of always being one step too late. It's better to choose a strategy that lets you sleep peacefully even in turbulent times. 

Instead of buying individual stocks or bonds, we use index funds for pillar 3a. That is clever, broadly supported, and radically simple for you. 

You are starting from just one Swiss franc and you are automatically invested in over 1’500 companies, because every index fund covers an entire market. 

Our investment committee cleared the fund jungle of 285 index funds for you: We picked the right funds for you and put together five ready-to-go investment solutions, each with three investment focuses.

In pillar 3a, index funds have a few small but subtle advantages over ETFs. They have a positive impact on your net return. 

• No Stock exchange fees & stamp duties.

• With the specialized pension index funds we use, we can reclaim foreign withholding taxes on dividends and interest. With classic ETFs, this unfortunately doesn't work in private pensions or only to a very limited extent. 

• Minimal management costs: The investment products of the so-called «Zero-Fee Class» in the standard strategies have effective ETF costs (TER) of 0.0 % (only exception: the Swiss real estate fund). Together with the management fees of 0.29 %, findependent is thus among the most affordable providers in Switzerland. 

• No currency conversion fees: With the index funds used, there are no fees for exchanging foreign currencies.