finpension - referral code 97YXZV

 

finpension

Frankly is an independent 3a pension plan, allowing you to customise and invest in a broad set of funds. A quick review on its strengths.

Strengths

  • efficient onboarding process, no ID checks necessary, signup can be done in a few moments from the web
  • easy choice of investment focus out of
    • Credit Suisse, ZKB, UBS
    • a scale of 5 different stock allocations, from 20% to 100% (actually 99% with 1% cash)
    • a focus on Switzerland, Global or Sustainable


  • but customising the asset distribution is also possible, including real estate, gold, crypto (with a 5% allocation)


  • low fee of 0.39%
  • simple and effective app

Weaknesses
  • none
Other minor points to note
  • languages: German/French/English
Overall it is a great and well rounded 3a product. Compared to Frankly, it offers more customisation, which may also make the look and feel more complicated.

It is best combined with a regular (such as monthly) payment (standing order), resulting in dollar cost averaging.


Referral code / Gutscheincode
  • 97YXZV
This will yield a 25 CHF discount on fees.

Sign-up from:

Comments

  1. Neon ExpertFebruary 29, 2024 at 7:51 AM

    The concept of 3rd pillar pensions refers to supplementary retirement savings outside of government-run pension systems, typically funded by individuals or employers. These pensions serve as an additional layer of financial security during retirement, offering flexibility and personalized investment options. Embracing the 3rd pillar pensions encourages individuals to take proactive steps in planning for their retirement needs, supplementing state-provided pensions and ensuring a more comfortable financial future.

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