Table of contents
Finpension 3a strategy explained
The Finpension 3a strategy is simple: Invest broadly in equities and keep fees as low as possible.
How is it done? The 6 index strategies to choose from offer access to a broad selection of index funds. The following are available Funds from Swiss Canto. It is also possible to mix funds when creating a new strategy.
Depending on the risk profile, the Share ratio between 0% and 99%. The liquid part is 1% in cash for each strategy.
If you wish, you can use the automatic Rebalancing switch off. If you want to do this, set the Finpension Rebalancing in the context menu for each desired portfolio individually. Note, however, that your risk may increase. After all, you want to have a good and successful Finpension 3a experience. By default, a rebalancing is done automatically if the deviation from the desired strategy is greater than 1%.
The 0% Stock Strategy contains cash at 100%, which is based on the SNB key interest rate. However, the flat-rate fee of 0.39% also applies here - with a key interest rate of 0%, this currently results in a negative net interest rate.
With the Strategies with 20% to 99% Shares then real estate and, above all, shares are added. The simulated historical return of the last 5 years shows that a high share quota has paid off. Further on in the article, you will also see that Finpension does particularly well in this area compared to its competitors.
Hello
Here are my experiences with finpension:
Top provider! ⭐⭐⭐⭐⭐
After a long comparison, finpension is my clear favourite: up to 99% share quota, super intuitive app and full flexibility without rigid products.
Important: With Finpension, you can now also invest jointly (beneficial owners). Something we have been looking for for a long time and is now finally here.
Thanks for the addition, Oli!
In view of the current growing fear of the US market overheating, would you reallocate 3a investments from US to EM, Europe and Switzerland? Or new investments in 3a and in free investing not in the world with a high US share, but rather in other markets?
Or do you think that a long-term investor can be spared these considerations?
I generally think very little of active intervention in the 3a investment strategy, which is hopefully very long-term. It is much more important to set up a clean and solid investment strategy from the outset. For Swiss investors, however, an allocation to Switzerland can definitely make sense. But it always depends on the individual goals and plans. As always: No investment advice.
Thank you for the interesting article. As I didn't know the provider, I have questions about Finpension security: Who is behind Finpension?
Hello Lore,
Finpension AG is a Swiss public limited company based in Lucerne, which is supervised by FINMA and even holds a licence as an account-holding securities firm.
With Finpension and Viac, can I choose my own strategy for each account and decide which account to save in?
This is not possible with TrueWealth, where there is a strategy and all accounts are saved equally.
Hello Eric
Finpension sounds very attractive, but in the 3a account comparison TrueWealth scores better in terms of fees (0.15% - 0.25%). However, I'm not sure if this reflects the total fees, is Finpension the cheapest provider overall?
Hello Rahel,
Thank you for your question.
Fees can vary between providers over time and are only part of the calculation. The performance/investment strategy and tax optimisation (Finpension is very good here, for example) should also be looked at.
Ultimately, you need to feel comfortable and secure with a provider. Only then will you stick to the investment strategy in the long term and ultimately achieve a good return. It is therefore important to decide which provider is best you personally.
Can I also use Finpension as a Swiss abroad (living in Germany) for my 3a and vested benefits remaining in Switzerland? Do the same conditions apply?
Hello Marlise,
As far as I know, Finpension is only possible if you are resident in Switzerland. However, you can ask them again to be on the safe side.
Save 52 CHF on fees with this special code!
Happy investing!
The article needs to be updated, finpension fees are 0,39% VAT included now. VIAC is now offering 100 Global at 99% share.
I believe the code promo is no longer valid, they changed their offering apparently.
An additional disadvantage might be, their lack of ID control upon opening account, you will have to provide the ID at withdrawal, which is strange.
Hi Liz
actually the article is updated since a few days. 0.39% should be written everywhere. Isnt it?
The code is still valid and should work. Otherwise please let me know.
Regarding Viac 100: When you take a look into the latest factsheet there is still 97% stocks. So far, they are not increasing the rate.
Many thanks for your closer look
The factsheet says 99% shares (factsheet from June 2024).
to participate in the contest to win 6883 chf finpension free deposit, feel free to use referral code while registering at finpension and deposit at least 1000 chf within 12 months
I was a bit surprised that Finpension did not require identification when opening an account. Does anyone have an explanation why? I actually thought everything was very good, but that took away my confidence 😅.
Unlike banks, pension foundations are not obliged to carry out an identity check. Would you still like us to check your personal details on the basis of an identity document? Then a digital ID check is now available to you. To do this, open your profile in the top right-hand corner in the app (after registration). There you will find the menu item "ID check (optional)".
Thanks for the explanation @Finpension! 🙂
Would be possible to open with Finpension up to 5 3a accounts like in Viac? Thanks
Hi Mario, like in Viac its allowed to open up to 5 accounts on Finpension.
Hello,
thank you for the clear and very helpful experience report.
I am now also with Finpension with my Vorsorge 3a.
Greetings, Pascal
Please indicate the Finpension Code when registering!
9PYHRQ
So far only losses with Finpension and profit with VIAC, despite low shareholding!?
Hello, Manuel,
You would have to look in detail at which strategies you have chosen and which securities are then bought. The stock markets always fluctuate in the short term, there will be price losses with every provider. The emphasis is on Courselosses. You should look at your 3a in the long term and here a comparison after 10, 20 or even better 30 years would be exciting.
But you will certainly find out the background when you look at the securities in detail. There will be differences here. Which security will perform best in the long run remains to be seen.
I think it's great that you're testing different providers. If you decide to use Pro Viac, for example, you can open up to five 3a accounts there.
Love 🙂