Finpension Invest experiences: Test report 2026

At Finpension Invest you can already from CHF 1 invest in a range of investment strategies, which makes Finpension particularly accessible. This also applies to the Savings plan and even for Private Markets. This makes Finpension Invest ideal for those starting out with small amounts.

Private Markets are shareholdings in companies that are not listed on the stock exchange, for example via Private Equity. They offer additional Diversification and often offer higher potential returns, but are less liquid, which are more difficult to assess and involve higher risks. Here’s how to add them to Finpension Invest:

1. Open a separate portfolio: Private markets are held in a separate portfolio. To do this, select the ‘Private Markets’ strategy when choosing your portfolio.
2. Answer the multiple-choice questions: Before you can get started, you’ll need to answer a few questions to demonstrate your knowledge of this asset class. Only then will the service be activated.
3. Select a fund: You can then choose between the private equity funds offered by Partners Group («Partners Fund») and Schroders (Schroders Capital Semi-Liquid Global Private Equity) choose, already from CHF 1.

Our tip: Private markets are suitable, at best, as a small amount to a broadly diversified ETF portfolio.

Yes, there is one Free Finpension Invest tax statement. The digital eTax statement (E-tax statement) can be found directly in the app and can be easily imported into your tax return.

In addition, at the start of the year you will receive the detailed DA-1 Reporting on the US dividends from your ETFs. This allows you to claim the flat-rate tax credit and reduce your tax liability, provided your tax authority accepts the reporting.

Finpension Invest offers you the following straight away two tax benefits:

• Deductible custody fee: The fee of 0.39% is broken down into 0.30% for custody and 0.09% for asset management. The 0.30% Custody fee You can usually claim this as a deduction on your tax return. With a marginal tax rate of 25%, this amounts to a benefit of around 0.075% per year.
• Optimisation of ETF withholding tax: Thanks to Irish ETFs, you pay just 15% rather than 30% in withholding tax on US dividends. With the free DA-1 Reporting you can also apply for the flat-rate tax credit and the withholding tax except for 0% reduce, provided your tax authority accepts the report. One canton has already accepted it; the process of clarifying this across Switzerland is still ongoing.

Yes, regarding the purchase. As soon as you have transferred your credit from the Pillar 3a, the Freedom of movement (FZ) or the 1e Pension Scheme are entitled to receive, you can withdraw the capital paid out at Finpension Invest continue to invest the remaining assets. Regular withdrawals are possible no earlier than five years before the AHV reference age; early withdrawals may be made, for example, to purchase a home, to set up in self-employment or in the event of permanent emigration.

Particularly handy: If you’re already at Final pension provision, you can transfer the money you have received directly into your Invest portfolio and, with a Payment plan to receive a regular pension.

Important: Whilst the money is tied up, only one change is permitted within the pension scheme It is possible, for example, to switch from another 3a scheme to finpension 3a.

There is both a Finpension App for iOS and Android, as well as a Desktop solution in your browser. Finpension Invest is integrated into the existing platform: If you’re already using the Pillar 3a Or, with the freedom of choice offered by Finpension, you can find the Finpension investment solution within the same app and view your entire portfolio at a glance.

With a Payment plan You specify the amount to be paid out regularly from your portfolio into your reference account. This is how you generate regular income from your investment capital, ideal for planning your finances in Retirement.

Here’s an example: you’re still CHF 500 a month short of your AHV and pension scheme pensions. You can have this amount paid out automatically, whilst the rest of your assets continues to be invested and can benefit from market movements. In addition, individual withdrawals are possible at any time.

Important: Choose an amount that will ensure your capital lasts long enough, even in years when the stock market performs poorly.

Yes, with Finpension Invest you can invest up to 10 different portfolios set up, which are tailored to specific Savings goals such as retirement planning, children’s education or buying a property.

Each portfolio is assigned a own investment strategy tailored to your investment horizon, your own savings plan and your own IBAN. You can name the portfolios whatever you like, for example «Buying a house 2030». Couples can also set up a Joint portfolio lead.

Yes, Finpension is a reputable company. The finpension AG is a FINMA It is a licensed investment firm and is directly supervised by the Swiss Financial Market Supervisory Authority. The company manages over CHF 6 billion on behalf of more than 75,000 clients (as at August 2026) and has been in the black since 2019.

Your money is doubly protected:

• Securities: Legally, your ETFs and funds belong to you and are held separately from Finpension’s assets. In the event of Finpension’s insolvency, they do not form part of the insolvency estate.
• Cash: Uninvested funds are protected by the Swiss Deposit protection covered up to CHF 100,000.

Yes. With Finpension Invest, you can open a Children's portfolio open, already from CHF 1 and with a savings plan. The portfolio is running at your name, you simply name it after your child, for example «Luca’s savings portfolio». That way, you retain full control over when and how you hand over the money later on.

Thanks to an investment horizon that is often 18 years or more, a high equity allocation. You can find more providers in our Child account comparison.