{"id":24731,"date":"2025-10-23T14:42:05","date_gmt":"2025-10-23T12:42:05","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24731"},"modified":"2026-05-07T11:03:16","modified_gmt":"2026-05-07T09:03:16","slug":"selma-3a-saule-bewertung","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/de\/service\/selma-3a-saule-bewertung\/","title":{"rendered":"Unsere Bewertung vom Selma S\u00e4ule 3a Konto im 2026"},"content":{"rendered":"\n<p><strong>Die <a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">3. S\u00e4ule<\/a> mit echter Anlagelogik automatisieren? Das ist das Versprechen von Selma, dem Schweizer Robo-Advisor, der einen koh\u00e4renten Ansatz bietet: einen personalisierten Plan, der haupts\u00e4chlich in Aktien investiert und vollst\u00e4ndig von einem Algorithmus gesteuert wird, ohne dass man eigene Fonds oder Allokationen w\u00e4hlen muss. <\/strong><br\/><strong><br\/>Selma 3a richtet sich an eine klare Zielgruppe: diejenigen, die ihr langfristiges Renditepotenzial maximieren wollen, ohne sich um ihre 3. S\u00e4ule \u201ek\u00fcmmern\u201c zu m\u00fcssen.<\/strong><br\/><strong><br\/>Wir haben das Angebot von Selma getestet, um seine St\u00e4rken, Grenzen und seine Positionierung im Vergleich zu Marktf\u00fchrern wie Finpension, VIAC oder Frankly zu verstehen.<\/strong><\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gspb_container-id-gsbp-11a7e4c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-11a7e4c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-11a7e4c.gspb_container{position:relative;}#gspb_container-id-gsbp-11a7e4c.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-11a7e4c\" id=\"gspb_container-id-gsbp-11a7e4c\"><style>.gs-autolist{margin:15px 0 30px 0;border:1px solid #dddddd7d;}.gs-autolist-item{padding:15px 15px 15px 5px;display:flex;align-items:center;}.gs-autolist-title,.gs-autolist-title a{font-size:18px;line-height:24px;text-decoration:none}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item{background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item:nth-child(2n){background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{color:#ec4da3}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{border-radius:50%;color:#fff;margin:0 20px 0 15px;text-align:center;font-weight:700;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{background-color:#f4b6d9}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dsecondary,var(u002du002drehub-sec-color))}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{height:20px;line-height:20px;width:20px;font-size:13px;min-width:20px;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs_sub_heading .gs-autolist-number{font-size:70%;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{text-decoration:dotted underline;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-style:none;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-bottom-style:none;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-87fad4ca-0f99\" id=\"gspb_toc-id-gsbp-87fad4ca-0f99\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Das Angebot von Selma\"><a class=\"gs-scrollto\" href=\"#1-offre-selma\">Das Angebot von Selma<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">2<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Selma 3a, f\u00fcr wen?\"><a class=\"gs-scrollto\" href=\"#2-selma-pour-qui\">Selma 3a, f\u00fcr wen?<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">3<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Anlagestrategie\"><a class=\"gs-scrollto\" href=\"#3-strategie-investissement\">Anlagestrategie<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">4<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Die Geb\u00fchren von Selma 3a\"><a class=\"gs-scrollto\" href=\"#4-selma-frais\">Die Geb\u00fchren von Selma 3a<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">5<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Einzahlungen und Auszahlungen\"><a class=\"gs-scrollto\" href=\"#5-versements-retraits\">Einzahlungen und Auszahlungen<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">6<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Die Selma App\"><a class=\"gs-scrollto\" href=\"#6-app-selma\">Die Selma App<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">7<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Sicherheit\"><a class=\"gs-scrollto\" href=\"#7-selma-securite\">Sicherheit<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">8<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Unsere Bewertung von Selma 3a\"><a class=\"gs-scrollto\" href=\"#8-notre-avis-selma\">Unsere Bewertung von Selma 3a<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Fazit \u2013 Selma 3a auf einen Blick\"><a class=\"gs-scrollto\" href=\"#9-selma-conclusion\">Fazit \u2013 Selma 3a auf einen Blick<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">10<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Deine Meinung zu Selma 3a\"><a class=\"gs-scrollto\" href=\"#9-votre-avis\">Deine Meinung zu Selma 3a<\/a><\/span><\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>[<em>Update \u2013 08.02.2026: Verbesserung der Referenzlinks<\/em>]<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">1<\/span>\t<\/div>\t<div id=\"1-offre-selma\">\t\t<h2 class=\"mt0 mb0\">Das Angebot von Selma<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Das Angebot von Selma<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma 3a erm\u00f6glicht die Er\u00f6ffnung eines <strong>100 % digitalen S\u00e4ule 3a Kontos<\/strong>, das auf derselben Engine wie sein klassischer Anlagedienst basiert.<br\/><br\/>Das Ziel: eine gesteuerte, <strong>leistungsstarke und diversifizierte<\/strong> 3a anzubieten, die gleichzeitig sehr einfach zu bedienen ist.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-les-points-cles\">Die wichtigsten Punkte:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Personalisierter Anlageplan<\/strong> basierend auf deiner Lebenssituation<\/li>\n\n\n\n<li>Bis zu <strong>97 % Aktien<\/strong> je nach Risikoprofil<\/li>\n\n\n\n<li><strong>Mindestbetrag<\/strong> f\u00fcr den Start: <strong>500 CHF<\/strong><\/li>\n\n\n\n<li>Keine manuelle Auswahl erforderlich \u2192 Selma verwaltet alles<\/li>\n\n\n\n<li>Nachhaltige Fonds standardm\u00e4ssig integriert<\/li>\n\n\n\n<li>Degressive Geb\u00fchren, wenn man auch das Selma Anlagekonto nutzt<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761223743597\"><strong class=\"schema-faq-question\">Und wenn ich bereits ein Selma Anlagekonto habe?<\/strong> <p class=\"schema-faq-answer\">Gute Idee: Die Geb\u00fchren werden degressiv und die Anlagestrategie wird zwischen den beiden Konten harmonisiert.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761223759138\"><strong class=\"schema-faq-question\">Was ist der Mindestbetrag f\u00fcr den Start?<\/strong> <p class=\"schema-faq-answer\">500 CHF.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761223771875\"><strong class=\"schema-faq-question\">Kann ich mehrere 3a Konten bei Selma er\u00f6ffnen?<\/strong> <p class=\"schema-faq-answer\">Nein, nur ein 3a Konto ist m\u00f6glich.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Aber an wen richtet sich dieses Angebot wirklich? Das werden wir gleich im Anschluss untersuchen. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-selma-pour-qui\">\t\t<h2 class=\"mt0 mb0\"><strong>An wen richtet sich Selma 3a?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Selma 3a, f\u00fcr wen?<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> Wenn du <strong>eine anlageorientierte 3a<\/strong> m\u00f6chtest, ohne deine ETFs selbst verwalten zu m\u00fcssen<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> Wenn du Selma bereits zum Investieren nutzt oder eine <strong>einheitliche Verm\u00f6gensverwaltung<\/strong> w\u00fcnschst<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> Wenn du eine <strong>reibungslose Erfahrung<\/strong> mit einfacher Nachverfolgung, ohne Fachjargon, m\u00f6chtest<\/p>\n\n<p>Weniger geeignet, wenn du m\u00f6chtest:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Fonds oder Aufteilung selbst w\u00e4hlen<\/li>\n\n\n\n<li>Geb\u00fchren maximal reduzieren<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-strategie-investissement\">\t\t<h2 class=\"mt0 mb0\"><strong>Anlagestrategie von Selma 3a<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Anlagestrategie<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Alles beginnt mit der Erstellung eines personalisierten Plans \u00fcber einen Fragebogen, der analysiert:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>dein Einkommen, deine pers\u00f6nliche Situation und deine Ziele<\/li>\n\n\n\n<li>deine Risikotoleranz<\/li>\n\n\n\n<li>deine anderen Verm\u00f6genswerte (Immobilien, bestehende 3a Konten usw.)<\/li>\n<\/ul>\n\n<p>Auf dieser Grundlage schl\u00e4gt Selma <strong>eines von 5 Standard-Anlageprofilen<\/strong> vor, mit einem progressiven Aktienanteil von bis zu 97 %.<\/p>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Profil<\/strong><\/td><td><strong>% in Aktien (max)<\/strong><\/td><td><strong>Risikostufe<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Konservativ<\/td><td>~25 %<\/td><td>Niedrig<\/td><\/tr><tr><td>Ausgewogen<\/td><td>~45 %<\/td><td>M\u00e4\u00dfig<\/td><\/tr><tr><td>Wachstum<\/td><td>~65 %<\/td><td>Mittel +<\/td><\/tr><tr><td>Ambitioniert<\/td><td>~85 %<\/td><td>Hoch<\/td><\/tr><tr><td>Mutig<\/td><td>~97 %<\/td><td>Sehr hoch<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6b8555d svg,#gspb_infoBox-id-gsbp-6b8555d svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-6b8555d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6b8555d\" id=\"gspb_infoBox-id-gsbp-6b8555d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-4a8ee0fe85dc0122e00a0206d8234e9f\">Keine manuelle Strategie, kein \u201eBasteln\u201c: <strong>man delegiert alles an den Selma-Algorithmus<\/strong>, der das Portfolio automatisch an die Marktbewegungen und unsere Situation anpasst.<\/p>\n<\/div><\/div><\/div>\n\n<p>Was wir uns dennoch gew\u00fcnscht h\u00e4tten: die M\u00f6glichkeit zu haben, Anlagethemen auszuw\u00e4hlen oder zu vermeiden.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-portefeuilles-durables-integres\"><strong>\ud83c\udf31<\/strong><strong> Nachhaltige Portfolios integriert<\/strong><\/h3>\n\n<p>Alle Selma 3a Portfolios werden mit <strong>Produkten nach ESG-Standards<\/strong> aufgebaut. Es handelt sich nicht um separate Optionen oder einen zu aktivierenden Filter: <strong>Nachhaltigkeit ist standardm\u00e4ssig integriert<\/strong>, ohne Kompromisse bei Rendite oder Risikoniveau. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087280626\"><strong class=\"schema-faq-question\"><strong><strong>Bietet Selma thematische Portfolios an?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">Nein. Die Strategie ist global und diversifiziert, aber nicht thematisch (keine Auswahl wie \u201eKlima\u201c, \u201eTech\u201c, \u201eKrypto\u201c usw.). <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Bleibt abzuwarten, wie viel dieser gesteuerte Ansatz kostet. Ist die Automatisierung teuer? Wir schauen uns die Geb\u00fchren an.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">4<\/span>\t<\/div>\t<div id=\"4-selma-frais\">\t\t<h2 class=\"mt0 mb0\">Die <strong>Geb\u00fchren<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Die Geb\u00fchren von Selma 3a<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>5<\/strong><strong>0,68 % j\u00e4hrliche Geb\u00fchren (all-inclusive)<\/strong><\/p>\n\n<p>Das beinhaltet:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,50 % Selma Verwaltungsgeb\u00fchren<\/li>\n\n\n\n<li>~0,18 % Geb\u00fchren der zugrunde liegenden ETFs<\/li>\n<\/ul>\n\n<p>Keine Geb\u00fchren f\u00fcr:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Ein- oder Auszahlungen<\/li>\n\n\n\n<li>\u00dcbertrag auf eine andere 3a<\/li>\n\n\n\n<li>Kontoaufl\u00f6sung<\/li>\n<\/ul>\n\n<p><strong>Degressive Geb\u00fchren<\/strong>, wenn man sein 3a Konto mit einem Selma Anlageportfolio kombiniert.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-comparaison-avec-les-leaders-du-marche\"><strong>Vergleich mit den Marktf\u00fchrern<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td colspan=\"2\"><strong>L\u00f6sung<\/strong><\/td><td><strong>Gesamtgeb\u00fchren<\/strong><\/td><td><strong>Flexibilit\u00e4t<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Selma<\/td><td colspan=\"2\">0.68 %<\/td><td>Durchschnitt (5 Profile)<\/td><\/tr><tr><td>Finpension<\/td><td colspan=\"2\">0.39 %<\/td><td>Sehr hoch (vollst\u00e4ndig angepasst)<\/td><\/tr><tr><td>VIAC<\/td><td colspan=\"2\">0.45 %<\/td><td>Durchschnitt (Modelle oder angepasst)<\/td><\/tr><tr><td>Frankly<\/td><td colspan=\"2\">0.49 %<\/td><td>Durchschnitt (8 Strategien)<\/td><\/tr><tr><td>Zak 3a<\/td><td colspan=\"2\">1.25 %<\/td><td>Niedrig<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-67ee041 svg,#gspb_infoBox-id-gsbp-67ee041 svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-67ee041 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-67ee041\" id=\"gspb_infoBox-id-gsbp-67ee041\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-4d570b7a9e751aeeb5fb04a55965d45a\">Selma ist etwas teurer, beinhaltet aber <strong>eine vollst\u00e4ndige automatisierte Verwaltung<\/strong>, ohne manuelles Eingreifen.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-versements-retraits\">\t\t<h2 class=\"mt0 mb0\"><strong>Einzahlungen und Auszahlungen<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Einzahlungen und Auszahlungen<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-versements\">Einzahlungen<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Einmalige oder regelm\u00e4ssige Einzahlung<\/li>\n\n\n\n<li>Einstellung in der App m\u00f6glich<\/li>\n\n\n\n<li>Kein Mindestbetrag pro \u00dcberweisung nach Er\u00f6ffnung<\/li>\n<\/ul>\n\n<p><strong>Einzahlungslimits im<\/strong> <strong>%%currentyear%% <\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Angestellte mit BVG<\/strong>: max. <strong>7.258 CHF\/Jahr<\/strong><\/li>\n\n\n\n<li><strong>Selbstst\u00e4ndige ohne BVG<\/strong>: bis zu <strong>36.288 CHF\/Jahr<\/strong> (20 % des Nettoeinkommens)<br\/><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087599904\"><strong class=\"schema-faq-question\"><strong>Ist der \u00dcbertrag von einer anderen 3a kostenlos?<\/strong><\/strong> <p class=\"schema-faq-answer\">Ja. Selma \u00fcbernimmt die Abwicklung kostenlos.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-retraits\">Abhebungen<\/h3>\n\n<p>Gem\u00e4ss Schweizer Gesetzgebung:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Invalidit\u00e4t oder Todesfall<\/li>\n\n\n\n<li>Vorzeitiger Bezug (max. 5 Jahre vor dem ordentlichen Rentenalter)<\/li>\n\n\n\n<li>Kauf von selbstgenutztem Wohneigentum<\/li>\n\n\n\n<li>Endg\u00fcltige Ausreise aus der Schweiz<\/li>\n\n\n\n<li>Gr\u00fcndung eines Unternehmens<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-app-selma\">\t\t<h2 class=\"mt0 mb0\">Die Selma <strong>App<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Die Selma App<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Die Verwaltung des 3a Kontos erfolgt direkt \u00fcber die Selma App (oder \u00fcber das Webportal):<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Echtzeit-Performance-Tracking<\/li>\n\n\n\n<li>Asset-Allokation (ETFs, Aktien, Obligationen)<\/li>\n\n\n\n<li>Einzahlungsverlauf<\/li>\n\n\n\n<li>Zugang zu Steuerdokumenten<\/li>\n<\/ul>\n\n<p><strong>Fl\u00fcssige<\/strong>, <strong>klare<\/strong> Benutzeroberfl\u00e4che, ohne \u00dcberladung oder Fachjargon.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-903ef80 svg,#gspb_infoBox-id-gsbp-903ef80 svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-903ef80 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-903ef80\" id=\"gspb_infoBox-id-gsbp-903ef80\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-2bb4a816df4c4767fb4141b2dac122e4\">Die Selma App b\u00fcndelt <strong>alle Investitionen<\/strong>, einschliesslich 3a. Der Algorithmus passt die Gesamtstrategie an, um Redundanzen zu vermeiden. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-selma-securite\">\t\t<h2 class=\"mt0 mb0\"><strong>Sicherheit<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Sicherheit<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma 3a basiert auf einer <strong>100 % Schweizer und regulierten Infrastruktur<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Im Falle einer Insolvenz der Depotbank sind die 3a Verm\u00f6genswerte <strong>bis zu 100.000 CHF<\/strong> gesch\u00fctzt, gem\u00e4ss dem Schweizer Einlagenschutzgesetz.<\/li>\n\n\n\n<li>Die S\u00e4ule 3a Verm\u00f6genswerte werden <strong>auf deinen Namen<\/strong> bei der <strong>VZ Depository Bank<\/strong> hinterlegt, einer beaufsichtigten Schweizer Bank.<\/li>\n\n\n\n<li>Die L\u00f6sung wird von der <strong>VZ Vorsorgestiftung<\/strong> verwaltet, die f\u00fcr ihre Spezialisierung in der Altersvorsorge bekannt ist.<\/li>\n\n\n\n<li>Selma agiert als <strong>unabh\u00e4ngiger Finanzberater<\/strong>, ordnungsgem\u00e4ss bei der <strong>FINMA<\/strong>, der Eidgen\u00f6ssischen Finanzmarktaufsicht, registriert.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-notre-avis-selma\">\t\t<h2 class=\"mt0 mb0\"><strong>Unsere Bewertung von Selma 3a<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Unsere Bewertung von Selma 3a<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma bietet ein <strong>klares, koh\u00e4rentes und gut durchdachtes 3a Angebot<\/strong>, auf halbem Weg zwischen Einfachheit und Performance.<\/p>\n\n<p>Es ist <strong>nicht die konfigurierbarste oder g\u00fcnstigste L\u00f6sung<\/strong>, aber sie bietet:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Eine <strong>reibungslose Erfahrung<\/strong><\/li>\n\n\n\n<li>Eine <strong>von Anfang an optimierte Strategie<\/strong><\/li>\n\n\n\n<li>Einen <strong>standardm\u00e4ssig nachhaltigen Ansatz<\/strong><\/li>\n\n\n\n<li>Und <strong>eine echte Abstimmung<\/strong> mit dem Rest deines Portfolios<\/li>\n<\/ul>\n\n<p>Empfohlen, wenn du die <strong>Verwaltung deiner S\u00e4ule 3a intelligent delegieren<\/strong> m\u00f6chtest, ohne selbst zum Anlageexperten werden zu m\u00fcssen.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">9<\/span>\t<\/div>\t<div id=\"9-selma-conclusion\">\t\t<h2 class=\"mt0 mb0\">Zusammenfassend \u2013 Selma 3a auf einen Blick<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Fazit \u2013 Selma 3a auf einen Blick<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"on-recommande-viac-si\">\u2705 St\u00e4rken<\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>St\u00e4rke<\/strong><\/td><td><strong>Warum das ein echter Vorteil ist<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Hohe Aktienquote (bis zu 97 %)<\/strong><\/td><td>Erm\u00f6glicht es, eine langfristige Performance anzustreben, die der aggressivsten L\u00f6sungen auf dem Markt nahekommt (wie Finpension oder VIAC).<\/td><\/tr><tr><td><strong>Automatisierte und personalisierte Verwaltung<\/strong><\/td><td>Man muss die Allokationen nicht selbst verwalten: Selma bietet einen an die eigene Situation angepassten Plan an und passt ihn automatisch an die Entwicklung des eigenen Profils an.<\/td><\/tr><tr><td><strong>Nachhaltige Fonds standardm\u00e4ssig<\/strong><\/td><td>Es ist nicht n\u00f6tig, eine ESG-Option zu aktivieren: Die ETF-Auswahl ber\u00fccksichtigt bereits grundlegende Umwelt- und Sozialkriterien, ohne die Performance zu opfern.<\/td><\/tr><tr><td><strong>Gute Integration in das Selma \u00d6kosystem<\/strong><\/td><td>Wenn man Selma auch zum Investieren nutzt, wird das gesamte Portfolio (3a + freies Konto) koh\u00e4rent verwaltet, mit einer harmonisierten Gesamtstrategie.<\/td><\/tr><tr><td><strong>Klare und zug\u00e4ngliche Benutzeroberfl\u00e4che<\/strong><\/td><td>Die App erm\u00f6glicht es, alles in Echtzeit zu verfolgen: Performance, Allokationen, Einzahlungen\u2026 Auch ohne Finanzkenntnisse findet man sich zurecht.<\/td><\/tr><tr><td><strong>Vereinfachter \u00dcbertrag einer anderen 3a<\/strong><\/td><td>Selma \u00fcbernimmt den \u00dcbertragungsprozess kostenlos, ohne Reibungsverluste oder \u00fcberm\u00e4ssigen Papierkram.<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-points-faibles\">\u274c Schw\u00e4chen<\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Schw\u00e4che<\/strong><\/td><td><strong>Warum das einige Nutzer abschrecken kann<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Hohe j\u00e4hrliche Geb\u00fchren (0,68 %)<\/strong><\/td><td>Das liegt \u00fcber den g\u00fcnstigsten L\u00f6sungen wie Finpension (0,39 %) oder VIAC (0,45 %), was sich langfristig auf die Netto-Performance auswirkt.<\/td><\/tr><tr><td><strong>Keine Personalisierung der ETFs<\/strong><\/td><td>Man kann seine Fonds nicht selbst w\u00e4hlen oder die Gewichtung anpassen<\/td><\/tr><tr><td><strong>Keine Schweizer oder thematischen Portfolios<\/strong><\/td><td>Im Gegensatz zu anderen Anbietern bietet Selma weder eine 100 % Schweizer Strategie noch sektorale oder engagierte Fonds an (z.B. Klima, Tech).<\/td><\/tr><tr><td><strong>Einstiegsschwelle von 500 CHF<\/strong><\/td><td>Man muss diesen Betrag f\u00fcr den Start zur Verf\u00fcgung haben, w\u00e4hrend andere L\u00f6sungen geringere Betr\u00e4ge oder gar keinen Mindestbetrag akzeptieren.<\/td><\/tr><tr><td><strong>Auswahl auf 5 Profile begrenzt<\/strong><\/td><td>Auch wenn es f\u00fcr viele einfacher ist, k\u00f6nnten diejenigen, die eine vollst\u00e4ndige Kontrolle oder massgeschneiderte Optionen w\u00fcnschen, das Angebot als zu starr empfinden.<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-3cee1e65537cbac3afd4700a94f20759\" style=\"font-size:22px\"><strong>Promo Code Selma<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Selma-logo-1.png\" data-src=\"\" alt=\"Selma Logo\" loading=\"lazy\" width=\"100\" height=\"100\"><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>.gspb_text-id-gsbp-b077ea5{font-size:18px;}.gspb_text-id-gsbp-b077ea5{color:#000000;}.gspb_text-id-gsbp-b077ea5{margin-left:-30px!important;}<\/style>\n<div id=\"gspb_text-id-gsbp-b077ea5\" class=\"gspb_text gspb_text-id-gsbp-b077ea5 \">Nutze den Gutscheincode <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">NEOSEL<\/mark><\/strong>, um einen Bonus von <strong>CHF 34 zu erhalten<\/strong>.<br\/><br\/>Kostenloses Konto <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714\ufe0e<\/mark><\/strong><\/div>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway:700\");@import url(\"https:\/\/fonts.googleapis.com\/css?family=Raleway\");#gspb_button-id-gsbp-1fbf87e{display:flex;justify-content:flex-start;}#gspb_button-id-gsbp-1fbf87e .gspb-buttonbox-text{display:flex;flex-direction:column;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{box-sizing:border-box}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{margin-bottom:0px;margin-left:-30px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{background-color:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg));}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-weight:700;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{font-family:Raleway,sans-serif;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{color:#ffffff;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}#gspb_button-id-gsbp-1fbf87e > .gspb-buttonbox > .gspb_backgroundOverlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}<\/style>\n<div class=\"gspb_button_wrapper gspb_button-id-gsbp-1fbf87e\" id=\"gspb_button-id-gsbp-1fbf87e\"><a class=\"wp-block-greenshift-blocks-buttonbox gspb-buttonbox wp-element-button\" href=\"https:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>34 CHF erhalten<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"a-lire-aussi\">Lesen Sie auch<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/de\/?post_type=product&amp;p=24140\">Bewertung und Test der 3. S\u00e4ule Zak 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/de\/service\/finpension-3a-saule-bewertung\/\">Bewertungen und Test der 3. S\u00e4ule Finpension 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/de\/service\/frankly-3a-saule-bewertung\/\">Bewertung und Test der 3. S\u00e4ule Frankly 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/de\/service\/frankly-3a-saule-bewertung\/\">Test und Bewertung der 3. S\u00e4ule VIAC<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">Die besten 3. S\u00e4ule (3a) Konten in der Schweiz<\/a><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div id=\"9-votre-avis\">\t\t<h2 class=\"mt0 mb0\">Was h\u00e4ltst du von Selma 3a f\u00fcr deine Vorsorge?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Deine Meinung zu Selma 3a<\/div>\t<\/div><\/div>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Hat die Selma App die Kontoer\u00f6ffnung erleichtert?<\/li>\n\n\n\n<li>Welche Funktion w\u00fcrdest du gerne verbessern?<\/li>\n\n\n\n<li>Ist Selma S\u00e4ule 3a f\u00fcr dich ausreichend optimiert?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Teilen Sie Ihre<\/mark> Erfahrungen<\/strong> mit allen Freunden von Neo \ud83d\ude08.<\/p>\n<style>#gspb_image-id-gsbp-06c6056{text-align:center;}#gspb_image-id-gsbp-06c6056 img{vertical-align:top;}#gspb_image-id-gsbp-06c6056 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-06c6056 img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-06c6056 img{border-style:solid;border-width:18px;border-color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dvivid-green,#00d084);}#gspb_image-id-gsbp-06c6056 img{width:custom;}#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-06c6056\" id=\"gspb_image-id-gsbp-06c6056\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-ALL-court-1.gif\" data-src=\"\" alt=\"Nutzermeinungen und Kommentare\" loading=\"lazy\" height=\"249\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Selma 3a automatisiert deine 3. S\u00e4ule mit einer personalisierten und algorithmusgesteuerten Anlagestrategie, ideal f\u00fcr alle, die ihre langfristige Rendite optimieren m\u00f6chten, ohne ihr Portfolio selbst zu verwalten. Er\u00f6ffne dein Konto mit dem Promo-Code <strong>NEOSEL<\/strong>, um <strong>34 CHF<\/strong> zu erhalten. <\/p>\n","protected":false},"author":1,"featured_media":24736,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[1136],"product_tag":[],"class_list":{"0":"post-24731","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-saule3a","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Unsere Bewertung von Selma 3a \u2013 Alles, was du im 2026 wissen musst<\/title>\n<meta name=\"description\" content=\"Das Selma 3. S\u00e4ule Konto aus allen Blickwinkeln: Geb\u00fchren, Sicherheit, Einzahlungen, Anlagestrategie. 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