finpension: Your Digital, Simple, and Low-Cost Pension Solution | KreditSOS

finpension is a Swiss fintech company that is revolutionizing the pension sector by offering digital, transparent, and low-cost solutions for Pillar 3a and vested benefits. Unlike traditional banks and insurance companies, finpension focuses exclusively on pension and investments, leveraging technology to eliminate inefficiencies and offer a fully customizable management directly through a mobile app or browser. Its mission is to democratize access to professional investment strategies and optimize the growth of pension capital over the long term.

What products and services does finpension offer?

finpension focuses on two main products, which are the pillars of its digital offering:

• finpension 3a: The solution for Pillar 3a, which allows you to invest your pension capital with tax advantages in a flexible and low-cost way.

• finpension Vested Benefits: A vested benefits account for the 2nd pillar (occupational pension), which allows you to continue investing your departing capital while maintaining flexibility.

• Pension Foundation (for companies): Pension solutions for companies that want to offer their employees a modern retirement plan. The distinguishing feature of finpension is the possibility of creating individual and tailor-made investment strategies, choosing from a wide range of global ETFs and index funds, with an allocation of up to 99% in equities.

finpension's Pension Offers

finpension 3a

The finpension 3a solution is ideal for those who want to maximize the return on their pension capital by investing it professionally. The process is simple:

• Account Opening: Open your 3a account in a few minutes, completely online.

• Strategy Selection: Choose from one of the predefined investment strategies or create your own personalized strategy with a wide selection of ETFs.

• Contributions: Make annual contributions, benefiting from tax deductions.

• Investments: The capital is automatically invested according to your chosen strategy, with an automatic portfolio rebalancing. 

The absence of issuance, custody, or performance fees means that almost 100% of your capital works for you. The only fees are those on the funds and a small management fee. Here you can compare the different 3a pension funds available on the market.

finpension Vested Benefits

finpension's vested benefits account is designed for those who change jobs or take a professional break and wish to manage their 2nd pillar capital actively and at a low cost.

• Flexibility: The capital remains invested according to your chosen strategy, without losing the advantages of the 2nd pillar.

• Low Costs: As with the 3a, finpension applies minimal management fees, which maximize the growth potential of your capital.

  
  

Advantages and Disadvantages of finpension

To help you make an informed choice, here is a summary of the main pros and cons of relying on finpension:

Advantages:

• Extremely Low Costs: It is one of the most cost-effective pension solutions on the Swiss market, with a total management fee of around 0.40% per year (including fund costs).

• Maximum Flexibility: You can create your own personalized investment strategy with a vast selection of ETFs, up to 99% in equities.

• Simple and Digital: Account opening and management are entirely online through an intuitive app.

• Transparency: All costs are clearly visible, and there are no hidden fees.

• Regulated Provider: finpension is a pension foundation regulated and monitored by the supervisory authority.

Disadvantages:

• Pension Only: finpension focuses only on pensions, so it does not offer banking services such as current accounts, cards, or mortgages.

• No Personal Advice: It does not offer in-person advice, but a support service via chat and email. It is designed for clients who are comfortable with self-management.

• Investment Risk: As with any investment, there is a risk of fluctuations and capital loss.

Contacting finpension: how to reach finpension's customer service

If you need assistance or would like more information, here is how you can contact finpension's customer service:

• Email: info@finpension.ch

• Online Chat: Via the official website or the app.

• Phone: +41 58 201 30 00

finpension Headquarters and Addresses

finpension has its main headquarters in Lucerne but operates exclusively as an online service.

• Main Headquarters: finpension AG, Postfach, 6052 Hergiswil NW, Switzerland

• Operations: The service is managed entirely online, and there are no branches to visit.