{"id":18431,"date":"2025-03-30T01:56:58","date_gmt":"2025-03-30T00:56:58","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=18431"},"modified":"2026-03-02T14:55:22","modified_gmt":"2026-03-02T13:55:22","slug":"selma-invest","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/","title":{"rendered":"Selma \u2013 My full review and opinion in May 2026"},"content":{"rendered":"<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\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Selma-Suisse-&#x2013;-Revue-complete-test-et-avis-1024x576.jpg\" alt=\"Selma Switzerland - Complete Review, Test and Opinion\" class=\"wp-image-19777\"\/><\/figure>\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;}<\/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=\"Selma, the Investment Platform\"><a class=\"gs-scrollto\" href=\"#1-pourquoi-selma\">Selma, the Investment Platform<\/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=\"Opening a Selma Account\"><a class=\"gs-scrollto\" href=\"#2-ouverture-compte-selma\">Opening a Selma Account<\/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=\"Portfolio Management\"><a class=\"gs-scrollto\" href=\"#3-gestion-portefeuille-selma\">Portfolio Management<\/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=\"Who is Selma Suitable For?\"><a class=\"gs-scrollto\" href=\"#4-selma-pour-qui\">Who is Selma Suitable For?<\/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=\"What ESG Approach?\"><a class=\"gs-scrollto\" href=\"#5-selma-esg\">What ESG Approach?<\/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=\"Fees at Selma\"><a class=\"gs-scrollto\" href=\"#6-frais-selma\">Fees at Selma<\/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=\"The Advice\"><a class=\"gs-scrollto\" href=\"#7-conseil-selma\">Advice<\/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=\"Selma vs Yuh, Neon, Inyova, Alpian\"><a class=\"gs-scrollto\" href=\"#8-comparaison-selma\">Selma vs Yuh, Neon, Inyova, Alpian<\/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=\"Selma's guarantees\"><a class=\"gs-scrollto\" href=\"#9-securite-selma\">Selma&#8217;s Guarantees<\/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=\"Conclusion?\"><a class=\"gs-scrollto\" href=\"#10-conclusion-selma\">Conclusion?<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">11<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"What do you think of Selma for your investments?\"><a class=\"gs-scrollto\" href=\"#21-que-pensez-vous-de-selma-pour-vos-investissements\">What Do You Think of Selma for Your Investments?<\/a><\/span><\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><em>[Update \u2013 03.02.2026: Introducing Selma Family (fee reduction)]<\/em><br\/><em>[Update \u2013 11.11.2025: New transaction filtering tool]<br\/>[Update \u2013 11.04.2025: Introducing new portfolio types and the &#8220;Swiss Bias&#8221;]<br\/>[Update \u2013 11.01.2025: Review of the Selma 3a offer]<\/em><\/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>.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-pourquoi-selma\">\t\t<h2 class=\"mt0 mb0\">Why consider Selma for investing in <br>%%currentyear%%<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Selma, the Investment Platform<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>When you start looking into <a href=\"https:\/\/heyneo.ch\/en\/?page_id=14275\">investment solutions in Switzerland<\/a> without doing everything yourself, you quickly come across four names:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Yuh Investment<\/strong>, which allows you to manually buy stocks or ETFs.<\/li>\n\n\n\n<li><strong>Neon Investment<\/strong>, which offers automated passive management via True Wealth.<\/li>\n\n\n\n<li><strong>Inyova<\/strong>, focused on selectable societal causes.<\/li>\n\n\n\n<li><strong>Alpian Investissement<\/strong>, for a mix of automation and human support.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>And then there&#8217;s <strong>Selma<\/strong>, a Swiss robo-advisor that allows you to <strong>manage a diversified portfolio<\/strong> automatically, based on a questionnaire.<br\/><br\/><strong>What does it mean to entrust your money to a fully automated solution?<br\/>Do you understand what is invested, under what conditions, and at what cost?<br\/>Can you maintain a minimum of control, or is everything fixed?<\/strong><\/p>\n\n<p>I&#8217;ve tested Selma in detail, from account opening to portfolio monitoring.<br\/>So here&#8217;s what Selma <strong>allows<\/strong> and what Selma <strong>doesn&#8217;t allow<\/strong> you to do&#8230;<\/p>\n<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=\"le-plan-d-investissement-de-selma-est-100-automatise\"><strong><strong>Selma&#8217;s Investment Plan is 100% Automated<\/strong><\/strong><\/h3>\n\n<p>The entry into Selma starts with a questionnaire (accessible and without technical jargon). <br\/>It describes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Your life situation<\/li>\n\n\n\n<li>Your income<\/li>\n\n\n\n<li>Your investment goals<\/li>\n\n\n\n<li>Your risk tolerance<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>It&#8217;s on this basis that Selma generates a <strong>personalized investment plan<\/strong>.<\/p>\n<style>#gspb_row-id-gsbp-acfc168{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-acfc168 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-acfc168 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-acfc168\" id=\"gspb_row-id-gsbp-acfc168\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-4d585b4.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-4d585b4.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-4d585b4\" id=\"gspb_col-id-gsbp-4d585b4\"><style>#gspb_image-id-gsbp-7dabe96 img{vertical-align:top;}#gspb_image-id-gsbp-7dabe96 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-7dabe96 img{width:250px;}#gspb_image-id-gsbp-7dabe96,#gspb_image-id-gsbp-7dabe96 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-7dabe96,#gspb_image-id-gsbp-7dabe96 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-7dabe96,#gspb_image-id-gsbp-7dabe96 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-7dabe96,#gspb_image-id-gsbp-7dabe96 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-7dabe96\" id=\"gspb_image-id-gsbp-7dabe96\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Screenshot_20250302_151038_Selma.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-9d5d755.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-9d5d755.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-9d5d755\" id=\"gspb_col-id-gsbp-9d5d755\"><style>#gspb_image-id-gsbp-7136679 img{vertical-align:top;}#gspb_image-id-gsbp-7136679 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-7136679 img{width:250px;}#gspb_image-id-gsbp-7136679,#gspb_image-id-gsbp-7136679 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-7136679,#gspb_image-id-gsbp-7136679 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-7136679,#gspb_image-id-gsbp-7136679 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-7136679,#gspb_image-id-gsbp-7136679 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-7136679\" id=\"gspb_image-id-gsbp-7136679\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Screenshot_20250302_151142_Selma.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-c002ed0.gspb_row__col--4{width:33.333333333333336%;}@media (max-width:575.98px){#gspb_col-id-gsbp-c002ed0.gspb_row__col--4{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--4 gspb_col-id-gsbp-c002ed0\" id=\"gspb_col-id-gsbp-c002ed0\"><style>#gspb_image-id-gsbp-4af6ad6 img{vertical-align:top;}#gspb_image-id-gsbp-4af6ad6 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-4af6ad6 img{width:250px;}#gspb_image-id-gsbp-4af6ad6,#gspb_image-id-gsbp-4af6ad6 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-4af6ad6,#gspb_image-id-gsbp-4af6ad6 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-4af6ad6,#gspb_image-id-gsbp-4af6ad6 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-4af6ad6,#gspb_image-id-gsbp-4af6ad6 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-4af6ad6\" id=\"gspb_image-id-gsbp-4af6ad6\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Screenshot_20250302_151602_Selma.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n <\/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:20px\" 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(--wp--preset--color--main,var(--rehub-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-1b721362046d1c6f7dd5b71ecb501b59\">The questionnaire takes into account <strong>what I already own<\/strong>.<br\/>For example, if I have real estate or a 3rd pillar, Selma avoids overexposing me to these themes.<br\/>This allows me to maintain a balanced portfolio, without invisible duplications.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>But this &#8220;personalized&#8221; plan should be understood in a broad sense:<br\/><br\/>There is <strong>no manual selection<\/strong> possible, neither for securities nor for allocation.<br\/>Everything is managed by the algorithm. The proposed allocation is based on a combination of diversified ETFs, all filtered according to <a href=\"https:\/\/heyneo.ch\/en\/?page_id=14301\">ESG criteria<\/a>. <\/p>\n\n<p>The approach is radically passive. No attempt to outperform the market. No tactical adjustments. Once the plan is validated, you <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">can no longer intervene<\/mark>. The portfolio&#8217;s evolution follows its course according to the internal rules defined by Selma.    <\/p>\n\n<p><strong>In comparison with alternatives in Switzerland:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Yuh<\/strong> and <strong>Neon Invest<\/strong> allow you to choose your own securities.<br\/><\/li>\n\n\n\n<li><strong>Inyova<\/strong> allows thematic selection (education, equality, climate, etc.).<br\/><\/li>\n\n\n\n<li><strong>Alpian<\/strong> offers a fixed investment plan, but with an advisor available at any time.<br\/><\/li>\n<\/ul>\n\n<p>Selma, on the contrary, <strong>removes all room for maneuver once the plan is validated<\/strong>.<br\/>From a certain point of view, it&#8217;s a strength, but this framework doesn&#8217;t suit everyone.<\/p>\n<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=\"ce-que-j-ai-reellement-obtenu-a-l-issue-du-questionnaire\"><strong>What I actually got at the end of the questionnaire<\/strong><\/h3>\n\n<p>Once the questionnaire is completed, Selma generates a portfolio entirely composed of ESG ETFs.<br\/>No fund names are displayed, only the main asset classes: stocks, bonds, cash.<br\/><br\/>We receive a synthetic view of the allocation, but without details on the issuers or the applied ESG criteria. There are no options to refine or filter anything. <\/p>\n\n<p>You need to deposit <strong>at least 2,000 CHF<\/strong> to activate the investment (or 500 CHF for Pillar 3a).<br\/>This amount places Selma on par with <strong>Inyova<\/strong> or <strong>Alpian Essentials<\/strong>, but well above <strong>Yuh<\/strong> (25 CHF minimum) and <strong>Neon Invest<\/strong>, which starts from 1 CHF.<\/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>.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-ouverture-compte-selma\">\t\t<h2 class=\"mt0 mb0\">Opening a Selma account in 24 hours (blocked without initial deposit)<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Opening a Selma Account<\/div>\t<\/div><\/div>\n<p>The account opening was done from the mobile app.<br\/>The process is well-structured: upload your ID, specify your tax status, income, and sign electronically.<\/p>\n\n<p>Everything went smoothly, but the wait for the validation service was a bit long. My advice: <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">call at the end of the day<\/mark> after 6:00 PM when most people have already passed.<br\/>As long as the <strong>2,000 CHF<\/strong> are not deposited, <strong>the portfolio remains inactive<\/strong>.<br\/>This threshold is equivalent to <strong>Inyova<\/strong> or <strong>Alpian Essentials<\/strong>, but much higher than <strong>Yuh<\/strong>, which allows initial <a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-invest\/#trading-fractionne\">fractional investments from 25 CHF<\/a>. <\/p>\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-2e81c4d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-2e81c4d svg,#gspb_infoBox-id-gsbp-2e81c4d svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-2e81c4d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-2e81c4d .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-2e81c4d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-2e81c4d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-2e81c4d .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-2e81c4d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-2e81c4d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-2e81c4d .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-2e81c4d\" id=\"gspb_infoBox-id-gsbp-2e81c4d\"><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 1024 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M512 16c-273.914 0-496 222.166-496 496 0 273.994 222.086 496 496 496s496-222.006 496-496c0-273.834-222.086-496-496-496zM512 912c-221.064 0-400-178.862-400-400 0-220.99 178.944-400 400-400 220.982 0 400 178.942 400 400 0 221.060-178.862 400-400 400zM512 236c46.392 0 84 37.608 84 84s-37.608 84-84 84-84-37.608-84-84 37.608-84 84-84zM624 744c0 13.254-10.746 24-24 24h-176c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h24v-128h-24c-13.254 0-24-10.746-24-24v-48c0-13.254 10.746-24 24-24h128c13.254 0 24 10.746 24 24v200h24c13.254 0 24 10.746 24 24v48z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-906e8df399df62f5ef6be0f8ec196ea4\">Selma offers a 3rd pillar (3a) alternative from 500 CHF, but in a different tax framework.<\/p>\n\n\n\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-342b2fc3a8448771d51f534bd741f4af\">It is not possible to open an account for &#8220;exploratory&#8221; purposes or to start with small amounts. You need to <strong>commit financially from the start<\/strong>, without detailed visibility on the products used. <\/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:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"l-application-est-fluide-mais-on-reste-simple-spectateur\"><strong><strong>The application is smooth, but we remain simple spectators<\/strong><\/strong><\/h3>\n\n<p>The interface is clean and well-constructed.<br\/>You can easily access the portfolio allocation, value evolution, and the latest important information.<br\/>The charts are readable, navigation is smooth, without unnecessary clutter.<\/p>\n\n<p>A feature called <strong>&#8220;Insight&#8221;<\/strong> allows you to ask questions to an integrated AI.<br\/>It answers the most common queries (e.g., what is rebalancing? how does Selma manage inflation?), but doesn&#8217;t replace a real strategy or personalized exchange.<\/p>\n\n<p><strong>What&#8217;s striking is the total lack of control:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>No possibility to buy or sell<br\/><\/li>\n\n\n\n<li>No modification of the allocation<br\/><\/li>\n\n\n\n<li>No visualization of the exact funds used<br\/><\/li>\n<\/ul>\n\n<p>The data is updated <strong>once a week<\/strong>.<br\/>It works <a href=\"https:\/\/heyneo.ch\/en\/news\/managed-by-alpian-essentials\/\">the same way as with <strong>Managed by Alpian Essentials<\/strong><\/a>, but unlike Alpian, <strong>you cannot contact an advisor to ask specific questions<\/strong>.<\/p>\n\n<p>Unlike Yuh or Neon, you don&#8217;t follow the market in real-time, and you can&#8217;t adjust anything.<br\/>The experience is consistent with the delegation promise, but <strong>it leaves no room for initiative<\/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>.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-gestion-portefeuille-selma\">\t\t<h2 class=\"mt0 mb0\">A passive management by ETF, without bets or adjustments<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Portfolio Management<\/div>\t<\/div><\/div>\n<p>Selma does not seek to beat the market or make tactical choices.<br\/>The portfolio is built solely from <strong>ETFs<\/strong> \u2014 funds that replicate the performance of a stock market index, such as the global market or government bonds.<\/p>\n\n<p>These ETFs are filtered to exclude certain controversial sectors (oil, tobacco, weapons&#8230;), but <strong>no manual decisions are made<\/strong>:<br\/><br\/>\u2192 There is <strong>no company selection<\/strong>,<br\/>\u2192 no strategy change based on current events,<br\/>\u2192 no possibility to target a specific theme like tech or climate.<\/p>\n\n<p><strong>The structure remains the same:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li>a portion in stocks (more or less important depending on the risk profile)<br\/><\/li>\n\n\n\n<li>a portion in bonds<br\/><\/li>\n\n\n\n<li>some cash<br\/><\/li>\n<\/ul>\n\n<p>The only possible adjustment is made automatically, at regular intervals.<br\/>Selma monitors an indicator called <strong>CAPE<\/strong> (for <em><a href=\"https:\/\/www.investopedia.com\/terms\/c\/cape-ratio.asp\">Cyclically Adjusted Price-to-Earnings<\/a><\/em>), which is used to detect if the stock market is too expensive compared to its 10-year history.<br\/>When this threshold is crossed, a part of <strong>my portfolio<\/strong> is automatically transferred to a safety pocket, such as gold.<br\/>It doesn&#8217;t replace real active management, but it avoids staying too exposed to an overheating market.<br\/>And since everything is done behind the scenes, <strong>I don&#8217;t have to trigger anything myself.<\/strong><\/p>\n\n<p><strong>My portfolio is built around three blocks:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Growth<\/strong>, with global stock ETFs<\/li>\n\n\n\n<li><strong>Stability<\/strong>, via bonds<\/li>\n\n\n\n<li><strong>Protection<\/strong>, with a portion of gold<\/li>\n<\/ul>\n\n<p><br\/>Selma adjusts the allocation based on <strong>my risk profile<\/strong>.<br\/>If I&#8217;m more cautious, the share in bonds and gold increases.<\/p>\n<style>#gspb_image-id-gsbp-4838cfc{text-align:center;}#gspb_image-id-gsbp-4838cfc img{vertical-align:top;}#gspb_image-id-gsbp-4838cfc img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-4838cfc img{width:250px;}#gspb_image-id-gsbp-4838cfc,#gspb_image-id-gsbp-4838cfc img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-4838cfc,#gspb_image-id-gsbp-4838cfc img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-4838cfc,#gspb_image-id-gsbp-4838cfc img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-4838cfc,#gspb_image-id-gsbp-4838cfc img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-4838cfc\" id=\"gspb_image-id-gsbp-4838cfc\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Screenshot_20250330_150440_Selma.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/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: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\n<h3 class=\"wp-block-heading\" id=\"une-personnalisation-tres-limitee-encadrement\"><strong><strong>Very limited personalization (framing)<\/strong><\/strong><\/h3>\n\n<p>Once the questionnaire is completed, Selma displays a proposed allocation.<br\/>It&#8217;s presented in the form of a pie chart, with a distribution between stocks, bonds, and cash, in my case, 45% in international companies, 18% in government bonds, 10% in real estate:<\/p>\n<style>#gspb_row-id-gsbp-b232373{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-b232373 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-b232373 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-b232373\" id=\"gspb_row-id-gsbp-b232373\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-b77ce8c.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-b77ce8c.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-b77ce8c\" id=\"gspb_col-id-gsbp-b77ce8c\"><style>#gspb_image-id-gsbp-b3eaf36 img{vertical-align:top;}#gspb_image-id-gsbp-b3eaf36 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-b3eaf36 img{width:250px;}#gspb_image-id-gsbp-b3eaf36,#gspb_image-id-gsbp-b3eaf36 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-b3eaf36,#gspb_image-id-gsbp-b3eaf36 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-b3eaf36,#gspb_image-id-gsbp-b3eaf36 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-b3eaf36,#gspb_image-id-gsbp-b3eaf36 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-b3eaf36\" id=\"gspb_image-id-gsbp-b3eaf36\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Screenshot_20250330_150155_Selma-1.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-68873fa.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-68873fa.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-68873fa\" id=\"gspb_col-id-gsbp-68873fa\"><style>#gspb_image-id-gsbp-256d40f img{vertical-align:top;}#gspb_image-id-gsbp-256d40f img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-256d40f img{width:250px;}#gspb_image-id-gsbp-256d40f,#gspb_image-id-gsbp-256d40f img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-256d40f,#gspb_image-id-gsbp-256d40f img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-256d40f,#gspb_image-id-gsbp-256d40f img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-256d40f,#gspb_image-id-gsbp-256d40f img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-256d40f\" id=\"gspb_image-id-gsbp-256d40f\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Screenshot_20250330_150205_Selma.jpg\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"250\" height=\"2400\"><\/div>\n<\/div>\n <\/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:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Just below, a performance simulation shows three possible scenarios: optimistic, moderate, pessimistic.<br\/>We quickly understand that the riskier the profile, the higher the share of stocks.<br\/>But everything remains very general. No fund names are displayed, no details on the countries, sectors, or companies involved. <\/p>\n\n<p>Nothing can be modified once the plan is validated, but <strong>I can update my profile if my situation changes<\/strong>.<br\/>This is part of the simplification: we have to validate this plan without knowing exactly where the money is going. And once it&#8217;s done, we can&#8217;t change anything: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>impossible to change the weightings<br\/><\/li>\n\n\n\n<li>impossible to exclude a sector<br\/><\/li>\n\n\n\n<li>impossible to target a theme or geographic area<br\/><\/li>\n<\/ul>\n\n<p>If I change jobs, if my goals evolve, or if I become more comfortable with risk, Selma proposes a new allocation.<br\/>This is the only way to change <strong>my portfolio<\/strong>.<\/p>\n\n<p><strong>In comparison:<\/strong><\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Inyova<\/strong> allows you to select causes to support (climate, equality, innovation&#8230;)<br\/><\/li>\n\n\n\n<li><strong>Yuh<\/strong> and <strong>Swissquote<\/strong> offer total freedom to choose investments<br\/><\/li>\n\n\n\n<li><strong>Alpian Essentials<\/strong> offers a pre-set strategy, with an available advisor, but <strong>without portfolio personalization<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li>The <strong>Alpian discretionary mandate<\/strong> (from 30,000 CHF) allows you to request precise adjustments (exclusions, weightings, etc.)<br\/><\/li>\n<\/ul>\n\n<p>There are also several predefined portfolios that I can choose from the outset.<br\/>Three different approaches are offered, each with its own objectives. Depending on my situation, I can activate a &#8216;retirement&#8217; mode that automatically adjusts the strategy to reduce risk. <\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1762510629478\"><strong class=\"schema-faq-question\">So, what types of portfolios are available with Selma?<\/strong> <p class=\"schema-faq-answer\"><strong>Classic Portfolio<\/strong><br\/>This is the default option. It seeks a global balance between return and risk, without any particular bias. If you prefer not to overthink it, this option gets the job done.  <br\/><br\/><strong>Sustainability Portfolio<\/strong><br\/>Here, Selma filters out companies linked to fossil fuels, armaments, or tobacco. The selection follows quite strict ESG criteria. While I cannot choose the exclusions myself, the approach aims to be more responsible.  <br\/><br\/><strong>Income Portfolio<\/strong><br\/>This portfolio aims to generate consistent income. It is primarily designed for retirees or those who desire supplementary income without excessive exposure. <br\/><br\/>Each portfolio can be configured with or without a Swiss bias.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762510805903\"><strong class=\"schema-faq-question\">What changes with this famous \u201cSwiss Bias\u201d \ud83c\udde8\ud83c\udded?<\/strong> <p class=\"schema-faq-answer\">When choosing your portfolio, you can activate an option that gives more weight to Swiss investments. With this local bias, your portfolio is less exposed internationally but more aligned with the country&#8217;s economy, which can be fiscally advantageous or simply reassuring. <br\/>Conversely, if I do not activate it, my strategy remains entirely global, without preference for Swiss assets.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1762510876629\"><strong class=\"schema-faq-question\">And how does the \u201cretirement\u201d mode work?<\/strong> <p class=\"schema-faq-answer\">Once switched to \u201cPension Mode,\u201d Selma automatically adjusts the portfolio: the risk level decreases, the equity portion declines, and priority is given to more stable investments, often Swiss.<br\/>I can activate this mode from the app, without needing to contact anyone. It works with any type of portfolio. <\/p> <\/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: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\">4<\/span>\t<\/div>\t<div id=\"4-selma-pour-qui\">\t\t<h2 class=\"mt0 mb0\">Selma is suitable for those who want to invest without getting involved<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Who is Selma Suitable For?<\/div>\t<\/div><\/div>\n<p>Selma works well when you want to <strong>invest without complicating your life<\/strong>, without having to follow markets or choose your investments.<br\/>You just need to fill out the questionnaire, validate the proposed plan, and then <strong>you have nothing else to do<\/strong>.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"selma-est-adapte-si\"><strong>Selma is suitable if:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li>you want to <strong>avoid complex decisions<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li>you&#8217;re looking to invest long-term, in a structured way<br\/><\/li>\n\n\n\n<li>We appreciate the idea of a portfolio filtered according to ESG criteria<br\/><\/li>\n\n\n\n<li>We accept not controlling everything, as long as the management is smooth and without surprises<br\/><\/li>\n<\/ul>\n\n<p>There is <strong>nothing to manage on a daily basis<\/strong> and the application takes care of the monitoring.<\/p>\n\n<p>What remains satisfying is being able to <strong>visualize the evolution of your portfolio over time<\/strong>.<br\/>Even if we don&#8217;t control anything, we see the performances, the distributions, the small automatic adjustments \u2014 and it gives a sense of continuity. We still maintain <strong>good visibility on what&#8217;s changing<\/strong>, which allows us to follow the broad lines without feeling left behind. <\/p>\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}#gspb_infoBox-id-gsbp-b52412d .gs-box-text{flex-grow:1;margin:0}#gspb_infoBox-id-gsbp-b52412d .gs-box-icon{margin-left:-10px;}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-b52412d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-b52412d svg{height:50px!important;width:50px!important;min-width:50px!important;}#gspb_infoBox-id-gsbp-b52412d svg,#gspb_infoBox-id-gsbp-b52412d svg path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-b52412d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-b52412d svg:hover,#gspb_infoBox-id-gsbp-b52412d svg:hover path{fill:var(--wp--preset--color--main,var(--rehub-main-color)) !important;}#gspb_infoBox-id-gsbp-b52412d .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-b52412d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea32b;}#gspb_infoBox-id-gsbp-b52412d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-b52412d .gs-box{background-color:#eb008d0d;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-b52412d .gs-box{background-color:#eb008d0d;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-b52412d .gs-box{background-color:#eb008d0d;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-b52412d .gs-box{background-color:#eb008d0d;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-b52412d\" id=\"gspb_infoBox-id-gsbp-b52412d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg id=\"Calque_2\" style=\"width:5rem;height:5rem;margin:10px\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 62.63 93\">\n  <g id=\"Calque_2-2\" dataname=\"Calque_2\">    <g>\n      <path d=\"M31.31,26.97c-8.39,0-15.19,6.44-15.19,14.39s6.8,14.39,15.19,14.39,15.19-6.44,15.19-14.39-6.8-14.39-15.19-14.39ZM31.31,51.96c-6.18,0-11.19-4.74-11.19-10.6s5.01-10.6,11.19-10.6c2.9,0,5.54,1.06,7.53,2.78,1.23.39,2.12,1.43,2.26,2.69.89,1.52,1.4,3.27,1.4,5.13,0,5.85-5.01,10.6-11.19,10.6Z\"><\/path>\n      <path d=\"M41.1,36.24c-.13-1.26-1.03-2.3-2.26-2.69.9.77,1.66,1.68,2.26,2.69Z\"><\/path>\n      <path d=\"M34.42,36.55c0,1.76,1.5,3.18,3.36,3.18s3.36-1.42,3.36-3.18c0-.11-.02-.21-.03-.31-.59-1.01-1.36-1.92-2.26-2.69-.34-.11-.69-.18-1.07-.18-1.85,0-3.36,1.42-3.36,3.18Z\"><\/path>\n      <g>\n        <polygon points=\"6.27 .13 6.89 23.22 25.98 16.48 6.27 .13\"><\/polygon>\n        <polygon points=\"57.28 0 56.65 23.09 37.57 16.34 57.28 0\"><\/polygon>\n      <\/g>\n      <ellipse cx=\"31.31\" cy=\"41.37\" rx=\"18.95\" ry=\"17.96\" style=\"fill:none\"><\/ellipse>\n      <path d=\"M31.31,10.89C9.18,10.89,0,23.82,0,47.13s16.39,45.87,31.31,45.87c16.46,0,31.31-22.56,31.31-45.87S56.78,10.89,31.31,10.89ZM45,76.7c-1,.58-4.57,2.3-7.8,2.86-.54.09-1.21.18-2,.24l-4.78,5.45c-.08.09-.19.15-.31.17-.06,0-.11,0-.17,0-.18-.03-.33-.16-.39-.32l-2.15-6.11c-.13-.04-.26-.07-.4-.11l-5.64,3.58c-.1.07-.23.09-.35.08-.06,0-.11-.02-.17-.05-.16-.08-.27-.24-.28-.41l-.25-6.9c-4.64-3.98-6.39-9.26-5.82-9.66.61-.41,3.39,4.85,10.44,7.98,5.28,2.34,10.4,2.36,12.08,2.31,6.27-.17,11.1-2.4,11.39-1.82.29.58-2.95,2.44-3.41,2.71ZM31.31,59.32c-10.47,0-18.95-8.04-18.95-17.96s8.49-17.96,18.95-17.96,18.95,8.04,18.95,17.96-8.49,17.96-18.95,17.96Z\"><\/path>\n    <\/g>\n  <\/g>\n<\/svg><\/div><div class=\"gs-box-text\"><style>.gspb_container-id-gsbp-8c6b86c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-8c6b86c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-8c6b86c.gspb_container{position:relative;}#gspb_container-id-gsbp-8c6b86c.gspb_container{margin-top:-30px;margin-bottom:-30px;margin-left:30px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-8c6b86c\" id=\"gspb_container-id-gsbp-8c6b86c\">\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-09e696bcac3dd531d4d4a13db6ab2b5d\"><em><strong>Apart from judging others, my thing is to talk about complicated things at dinners without putting in too much effort.<\/strong><\/em><\/p>\n<cite>Neo &#8211; Unsolicited advice (as usual).<\/cite><\/blockquote>\n<\/div>\n<\/div><\/div><\/div>\n<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=\"selma-n-est-pas-fait-pour-ceux-qui-veulent-comprendre-ou-intervenir\"><strong><strong>Selma is not for those who want to understand or intervene<\/strong><\/strong><\/h3>\n\n<p>From the moment you start wanting to closely monitor your investments or keep control over your choices, <strong>Selma shows its limitations.<br\/><\/strong> We don&#8217;t see which ETFs are used, we can&#8217;t filter sectors or adjust the allocation.<br\/>Even if you&#8217;re somewhat interested in portfolio management, you hit a wall.<strong><br\/><\/strong> Everything is decided once and for all. And then, <strong>there&#8217;s nothing more to do&#8230; nor to really understand.<\/strong> <\/p>\n\n<p><strong>This is where frustration can appear:<br\/><\/strong><br\/>For those who want to invest in line with their convictions, explore certain sectors, or simply adjust their strategy according to the context, Selma offers no flexibility.<\/p>\n\n<p><strong>In this case, it&#8217;s better to turn to other options:<\/strong><br\/><br\/><strong>Yuh<\/strong> or <strong>Neon Invest<\/strong> allow total freedom to invest by yourself;<br\/><strong>Inyova<\/strong> allows you to choose concrete causes to support;<br\/><strong>Alpian<\/strong> allows delegation with real room for adjustment.<br\/>As for <strong>Swissquote<\/strong>, it opens the door to more technical, more advanced management.<\/p>\n\n<p>Selma remains consistent&#8230; as long as you don&#8217;t ask for more than what it offers.<\/p>\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-ac4ad9049ea11fb71a493a48fe4852eb\" style=\"font-size:22px\"><strong>Selma Promo Code<\/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 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">NEOSEL<\/mark><\/strong> to <strong>receive a CHF 34<\/strong> bonus.<br\/><br\/>Free account <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>Receive 34 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\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: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\">5<\/span>\t<\/div>\t<div id=\"5-selma-esg\">\t\t<h2 class=\"mt0 mb0\">\ud83c\udf31 Selma&#8217;s ESG Approach<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">What ESG Approach?<\/div>\t<\/div><\/div>\n<p>Selma displays &#8220;sustainable&#8221; management by systematically integrating ESG criteria.<br\/>All portfolios are built with filtered ETFs: no weapons, no tobacco, no fossil fuels.<br\/>The selected funds rely on scores provided by external agencies \u2014 but we can&#8217;t choose which ones.<\/p>\n\n<p>This ESG filter applies automatically, without the possibility of adaptation.<br\/>We can&#8217;t decide to strengthen certain exclusions, nor to highlight causes that are close to our hearts.<\/p>\n\n<p>It&#8217;s impossible, for example, to build your portfolio around climate or health, or to exclude a sector that doesn&#8217;t align with your values.<br\/>Even the visualization is limited: no indicator allows you to track the real impact of your investments.<\/p>\n\n<p><strong>In short<\/strong>: Selma guarantees a minimal ESG base, but doesn&#8217;t go further.<br\/>We have no control over the sustainable dimension of our portfolio, beyond the initial filter.<\/p>\n\n<p><strong>In comparison<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Inyova<\/strong> allows you to build a tailored portfolio, around your convictions, with a clear impact score<br\/><\/li>\n\n\n\n<li><strong>Alpian<\/strong> offers an ESG option, without the possibility of refinement<br\/><\/li>\n\n\n\n<li>With <strong>Yuh<\/strong>, <strong>Neon Invest<\/strong> or <strong>Swissquote<\/strong>, nothing is filtered \u2014 everything relies on your own choices<br\/><\/li>\n<\/ul>\n\n<p>With Selma, we know that our portfolio excludes certain sectors, but we don&#8217;t know exactly which ones. And if we&#8217;re looking to give precise meaning to our investments, this might not be enough. <\/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>.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-frais-selma\">\t\t<h2 class=\"mt0 mb0\">Visible and stable fees, unlike the spreads of Yuh or Neon<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Fees at Selma<\/div>\t<\/div><\/div>\n<p>Selma displays its fees transparently.<br\/>We pay an <strong>annual management fee<\/strong>, to which are added costs related to ETFs and currency exchange operations.<\/p>\n\n<p>The structure is simple:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Management fees:<\/strong> 0.68% up to 50,000 CHF invested, then decreasing to 0.42% from 500,000 CHF<br\/><\/li>\n\n\n\n<li><strong>ETF fees:<\/strong> about 0.22% per year (internal fund fees)<br\/><\/li>\n\n\n\n<li><strong>Exchange fees:<\/strong> about 0.25% for each conversion (CHF \u2192 USD or EUR)<br\/><\/li>\n<\/ul>\n\n<p>In practice, this means that with a portfolio of 10,000 CHF, you pay:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>~68 CHF\/year for management<br\/><\/li>\n\n\n\n<li>~22 CHF\/year for ETFs<br\/><\/li>\n\n\n\n<li>A few CHF in exchange fees, depending on rebalancing<\/li>\n<\/ul>\n<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=\"comparatif-rapide-des-frais-10-000-chf-investis\"><strong>Quick comparison of fees (10,000 CHF invested)<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Solution<\/strong><\/td><td><strong>Management fees<\/strong><\/td><td><strong>ETF Fees<\/strong><\/td><td><strong>Other Fees<\/strong><\/td><td><strong>Estimated Annual Total<\/strong><\/td><\/tr><tr><td><strong>Selma<\/strong><\/td><td>0.68 %<\/td><td>~0.22%<\/td><td>~0.25% exchange fee<\/td><td>~110-120 CHF<\/td><\/tr><tr><td><strong>Yuh<\/strong><\/td><td>0% displayed<strong>*<\/strong><\/td><td>Included in the product<\/td><td><strong>Spreads<\/strong> on each order (buy\/sell)<\/td><td><strong>Variable and not very transparent<\/strong><\/td><\/tr><tr><td><strong>Neon Invest<\/strong><\/td><td>0% displayed<strong>*<\/strong><\/td><td>Same as Yuh<\/td><td><strong>Spreads<\/strong> on ETFs<\/td><td><strong>Variable and not very transparent<\/strong><\/td><\/tr><tr><td><strong>Inyova<\/strong><\/td><td>0.9-1.3% (all-inclusive)<\/td><td>\u2014<\/td><td>No additional fees<\/td><td>~90-130 CHF<\/td><\/tr><tr><td><strong>Alpian Essentials<\/strong><\/td><td>0.75 %<\/td><td>Included<\/td><td>No additional fees<\/td><td>~75 CHF<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>*<\/strong>Unlike Selma, Yuh and Neon do not charge direct management fees,<br\/>but costs are integrated into the buy and sell prices, <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">in the form of spreads<\/mark><\/strong>.<br\/>These fees are less visible, sometimes more difficult to evaluate, and vary depending on the product or timing.<\/p>\n\n<p>It&#8217;s more flexible&#8230; but not necessarily cheaper in the long run.<\/p>\n\n<p><strong>What are spreads again?<br\/><\/strong>It&#8217;s the difference between <strong>the purchase price<\/strong> and <strong>the selling price<\/strong> of a financial product.<br\/>When buying an ETF on Yuh or Neon, you pay a price slightly above its real value.<br\/>This margin (invisible on the invoice) is taken by the platform.<\/p>\n\n<p>The more orders you place, the more <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">this <strong>hidden fee accumulates<\/strong><\/mark>.<br\/>And since it depends on the product, timing, and liquidity, it is <strong>impossible to accurately anticipate.<\/strong><\/p>\n\n<p>Selma charges its fees in a direct, visible, and stable manner.<strong><br\/><\/strong>Yuh or Neon seem cheaper, but their real cost depends on the frequency of investment and the products used.<\/p>\n\n<p>So in summary:<br\/>Selma is <strong>more predictable<\/strong>, but more expensive on paper.<br\/>Yuh\/Neon are <strong>more flexible<\/strong>, but less clear and potentially more costly over time.<\/p>\n<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-selma-family-une-vraie-reduction-de-frais-ou-un-simple-detail\">\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67\u200d\ud83d\udc66 Selma Family: a real fee reduction\u2026 or just a minor detail?<\/h3>\n\n<p>At Selma, fees decrease as invested capital increases. The higher the amount, the lower the percentage charged. On paper, it makes sense. In practice, reaching the next tier on your own can take time.   <\/p>\n\n<p>This is precisely where <strong>Selma Family<\/strong> comes into play.<\/p>\n\n<p>The principle is simple: instead of looking only at your own capital, Selma adds up the amounts invested with other users to reach a pricing tier more quickly.<\/p>\n\n<p>This doesn&#8217;t mean merging portfolios or creating a joint account. Everyone keeps their own allocation, risk profile, and individual tracking. Only the applied rate changes.  <\/p>\n\n<p id=\"est-ce-que-ca-change-vraiment-quelque-chose\"><strong>Is the saving really significant?<\/strong><\/p>\n\n<p>Let&#8217;s take a concrete example.<\/p>\n\n<p>With CHF 35,000 invested, fees amount to 0.68% per year. The next tier, at 0.55%, activates at CHF 50,000. If a family member invests CHF 30,000, the combined total reaches CHF 65,000. Both then benefit from the 0.55% rate.   <\/p>\n\n<p>On CHF 35,000, that represents CHF 238 per year at 0.68%, versus CHF 192 at 0.55%. The difference is therefore CHF 46 per year. <\/p>\n\n<p>It&#8217;s not spectacular. But over ten or fifteen years, especially if capital grows, the impact becomes more tangible. We&#8217;re talking about optimization here, not a radical performance change.  <\/p>\n\n<p id=\"qui-peut-rejoindre-une-family\"><strong>Who can join a &#8220;Family&#8221;?<\/strong><\/p>\n\n<p>The term can be confusing. In reality, almost any Selma user can be included: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>a family member<\/li>\n\n\n\n<li>a partner<\/li>\n\n\n\n<li>a friend<\/li>\n\n\n\n<li>a colleague<\/li>\n<\/ul>\n\n<p>No legal relationship is required.<\/p>\n\n<p>It&#8217;s not a legal structure, but a collective lever to reduce a fee level.<\/p>\n\n<p id=\"quand-est-ce-vraiment-pertinent\"><strong>When does this become relevant?<\/strong><\/p>\n\n<p>Selma Family makes sense when you&#8217;re close to a higher tier and several people around you are already investing via the platform. It allows you to reduce costs without having to significantly increase your own capital. <\/p>\n\n<p>On the other hand, for a small amount invested alone, the effect remains limited. So it&#8217;s not a decisive argument for choosing Selma over a competitor. It&#8217;s an optimization mechanism relevant in a specific context.  <\/p>\n\n<p id=\"point-cle-a-retenir\"><strong>Key takeaway<\/strong><\/p>\n\n<p>Selma Family doesn&#8217;t change the strategy, management, or risk level. It only affects the percentage of fees applied. Nothing more.  <\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1772456351280\"><strong class=\"schema-faq-question\">What is Selma Family?<\/strong> <p class=\"schema-faq-answer\">Selma Family allows you to group multiple accounts to reach a more advantageous fee tier. Portfolios remain completely independent. Only the applied rate changes when the combined amount exceeds a certain threshold.  <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772456366371\"><strong class=\"schema-faq-question\">Does Selma Family involve sharing your money?<\/strong> <p class=\"schema-faq-answer\">No. Each investor keeps their capital, strategy, and control. Amounts are simply added together to determine the pricing level. There&#8217;s no joint account or shared liability.   <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1772456382401\"><strong class=\"schema-faq-question\">Does Selma Family allow you to significantly reduce fees?<\/strong> <p class=\"schema-faq-answer\">The saving depends on the capital invested and the tier reached. If grouping allows you to cross a higher threshold, fees decrease. However, for small isolated amounts, the effect remains moderate.  <\/p> <\/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: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\">7<\/span>\t<\/div>\t<div id=\"7-conseil-selma\">\t\t<h2 class=\"mt0 mb0\">No human contact, no personalized assistance<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The Advice<\/div>\t<\/div><\/div>\n<p>Selma does not offer any personalized support.<strong><br\/><\/strong>Once the investment plan is validated, <strong>you&#8217;re on your own with the application.<br\/><\/strong>All management is automated, and there is no interface to discuss your situation or ask questions about your strategy.<\/p>\n\n<p>The app includes a feature called <strong>\u201cSelma Insight\u201d<\/strong>, a form of AI that allows users to ask general questions (e.g., \u201cWhat is rebalancing?\u201d or \u201cWhy did my portfolio change this week?\u201d).<br\/>The answers are clear but generic. They do not take into account the user&#8217;s personal situation. <\/p>\n\n<p>You can contact technical support in case of problems, but it&#8217;s <strong>not financial guidance.<\/strong> There are no possible appointments as with Alpian Essentials, no exchange with a dedicated advisor.<\/p>\n\n<p>In comparison:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Inyova<\/strong> offers a welcome call with an advisor, and possible contact in case of doubt<br\/><\/li>\n\n\n\n<li><strong>Alpian<\/strong> (from the Essentials offer) provides a <strong>human advisor<\/strong>, available to explain and guide<br\/><\/li>\n\n\n\n<li><strong>Yuh<\/strong>, <strong>Neon<\/strong> or <strong>Swissquote<\/strong> function like Selma: <strong>no advice<\/strong>, but total freedom of action.<br\/><\/li>\n<\/ul>\n\n<p>With Selma, as everything is framed from the start, you don&#8217;t need help. At least, that&#8217;s the idea. <strong><br\/><\/strong>But if you&#8217;re looking for an outside perspective, an exchange, or validation of your decisions, <strong>this is not the right solution.<\/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>.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-comparaison-selma\">\t\t<h2 class=\"mt0 mb0\">Selma vs Yuh, Neon, Inyova, Alpian: Key Differences<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Selma vs Yuh, Neon, Inyova, Alpian<\/div>\t<\/div><\/div>\n<p>When looking to invest simply in Switzerland, Selma is not alone in the market.<br\/>Other platforms offer passive or semi-automated approaches, with very different levels of freedom, advice, or impact:<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"tableau-comparatif-selma-vs-alternatives-suisses-en-dateneo\"><strong>Comparison Table \u2013 Selma vs. Swiss Alternatives (in <br\/>May 2026)<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteria<\/strong><\/td><td><strong>Selma<\/strong><\/td><td><strong>Yuh<\/strong><\/td><td><strong>Inyova<\/strong><\/td><td><strong>Alpian Essentials<\/strong><\/td><td><strong>Neon<\/strong><\/td><\/tr><tr><td>Minimum Amount<\/td><td>2,000 CHF<\/td><td>25 CHF<\/td><td>2,000 CHF<\/td><td>2,000 CHF<\/td><td>1 CHF<\/td><\/tr><tr><td>Management<\/td><td>100% automated<\/td><td>Free<\/td><td>Semi-automated<\/td><td>Automated + support<\/td><td>100% automated<\/td><\/tr><tr><td>Choice of Investments<\/td><td>No<\/td><td>Yes<\/td><td>ESG Themes<\/td><td>No<\/td><td>No (predefined profile)<\/td><\/tr><tr><td>ESG<\/td><td>Standard screening<\/td><td>None<\/td><td>Customized ESG<\/td><td>Standard ESG option<\/td><td>Standard screening (True Wealth)<\/td><\/tr><tr><td>Approx. fees (10k CHF) <\/td><td>~110\u2013120 CHF\/year<\/td><td>Variable (spreads)<\/td><td>~90\u2013130 CHF\/year<\/td><td>~75 CHF\/year<\/td><td>~50\u201380 CHF\/year<\/td><\/tr><tr><td>Human support<\/td><td>No<\/td><td>No<\/td><td>Yes (limited)<\/td><td>Yes (dedicated advisor)<\/td><td>No<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>What I observe:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Selma<\/strong> focuses entirely on simplicity and total delegation, but imposes a very rigid framework.<br\/><\/li>\n\n\n\n<li><strong>Yuh<\/strong> allows complete freedom, but without guidance or ESG filter.<br\/><\/li>\n\n\n\n<li><strong>Inyova<\/strong> is more engaging and customizable, but more expensive.<br\/><\/li>\n\n\n\n<li><strong>Alpian Essentials<\/strong> offers a balance: automation + human presence, at a moderate price.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>Selma is interesting if you want to manage nothing yourself<\/strong>, without necessarily building a committed or tailored portfolio. But as soon as you expect more control, conviction or exchange, better-suited alternatives exist. <\/p>\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 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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-ac4ad9049ea11fb71a493a48fe4852eb\" style=\"font-size:22px\"><strong>Selma Promo Code<\/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 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">NEOSEL<\/mark><\/strong> to <strong>receive a CHF 34<\/strong> bonus.<br\/><br\/>Free account <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>Receive 34 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\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: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\">9<\/span>\t<\/div>\t<div id=\"9-securite-selma\">\t\t<h2 class=\"mt0 mb0\">Guarantees, regulation and security of Selma<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Selma&#8217;s guarantees<\/div>\t<\/div><\/div>\n<p>Selma is a Swiss company, registered as an <strong>asset manager<\/strong> and <strong>supervised by FINMA<\/strong> through the OSIF supervisory body.<br\/>It acts as an <strong>intermediary<\/strong>, but does not hold funds or securities.<\/p>\n\n<p>Specifically:<\/p>\n<style>#gspb_row-id-gsbp-ecd6635{justify-content:space-between;margin-top:0px;margin-bottom:0px;display:flex;flex-wrap:wrap;}#gspb_row-id-gsbp-ecd6635 > .gspb_row__content{display:flex;justify-content:space-between;margin:0 auto;width:100%;flex-wrap:wrap;}.gspb_row{position:relative;}div[id^=gspb_col-id]{box-sizing:border-box;position:relative;}div[id^=gspb_col-id]{padding:var(--gs-row-column-padding,15px min(3vw,20px));}#gspb_row-id-gsbp-ecd6635 > .gspb_row__content{max-width:1200px;}<\/style>\n<div class=\"wp-block-greenshift-blocks-row gspb_row gspb_row-id-gsbp-ecd6635\" id=\"gspb_row-id-gsbp-ecd6635\"><div class=\"gspb_row__content\"> <style>#gspb_col-id-gsbp-07e7030.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-07e7030.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-07e7030\" id=\"gspb_col-id-gsbp-07e7030\">\n<p>The portfolio is managed at <strong>VZ Verm\u00f6genszentrum<\/strong><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-fe81952 img{vertical-align:top;}#gspb_image-id-gsbp-fe81952 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-fe81952\" id=\"gspb_image-id-gsbp-fe81952\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/VZ_Vermogenszentrum_logo.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"640\" height=\"109\"><\/div>\n<\/div>\n\n\n<style>#gspb_col-id-gsbp-eeb051a.gspb_row__col--6{width:50%;}@media (max-width:575.98px){#gspb_col-id-gsbp-eeb051a.gspb_row__col--6{width:100%;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-row-column gspb_row__col--6 gspb_col-id-gsbp-eeb051a\" id=\"gspb_col-id-gsbp-eeb051a\">\n<p>With a <strong>deposit account at Saxo Bank<\/strong><\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-fdfa0b5 img{vertical-align:top;}#gspb_image-id-gsbp-fdfa0b5 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-fdfa0b5\" id=\"gspb_image-id-gsbp-fdfa0b5\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Saxo-Bank-logo.png\" data-src=\"\" alt=\"\" loading=\"lazy\" width=\"4025\" height=\"2487\"><\/div>\n<\/div>\n <\/div><\/div>\n\n<ul class=\"wp-block-list\">\n<li><strong>Saxo Bank (Switzerland)<\/strong> is a custodian bank <a href=\"https:\/\/www.finma.ch\/en\/~\/media\/finma\/dokumente\/bewilligungstraeger\/pdf\/beh.pdf\">regulated by FINMA<\/a>.<br\/><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.vermoegenszentrum.ch\/fr\">VZ Verm\u00f6gensZentrum<\/a><\/strong> is a recognized asset manager.<br\/><\/li>\n\n\n\n<li>ETFs are held in <strong>a personal securities account<\/strong>, opened in the client&#8217;s name.<br\/><\/li>\n<\/ul>\n\n<p>This means that the assets remain <strong>the property of the client<\/strong>, even if Selma were to cease operations.<br\/>You can recover your entire portfolio, or transfer it to another provider.<\/p>\n\n<p>Personal data is stored in Switzerland. Access to the application is secure, and operations go through double validation (2FA). <\/p>\n\n<p>So to summarize: Selma is not a bank, but an interface. It does not manage money flows or securities custody. Everything relies on identified and regulated Swiss partners.  <\/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>.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\">10<\/span>\t<\/div>\t<div id=\"10-conclusion-selma\">\t\t<h2 class=\"mt0 mb0\">Conclusion \u2013 A clear but rigid solution. It all depends on what you expect. <\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusion?<\/div>\t<\/div><\/div>\n<p>Selma keeps its main promise: <strong>invest effortlessly, without making choices, without managing arbitrage.<\/strong><strong><br\/><\/strong>The experience is smooth, stable, well-framed. You delegate completely, and you can monitor your portfolio without get lost in details. <\/p>\n\n<p>But for it to work, you must <strong>accept not managing anything yourself.<\/strong><strong><br\/><\/strong> No ETF choices, no ESG customization, no human contact.<br\/>The framework is set from the start, and you have to stick to it.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"selma-est-pertinent-si\">Selma is relevant if:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>you want to <strong>start investing without learning the technique<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li>you&#8217;re looking for a Swiss, simple, structured, ESG-filtered solution<br\/><\/li>\n\n\n\n<li>you accept paying a bit more to <strong>avoid any active management<\/strong><strong><br\/><\/strong><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"selma-n-est-pas-adapte-si\">Selma is not suitable if:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>you want to understand precisely <strong>where your money goes<\/strong><strong><br\/><\/strong><\/li>\n\n\n\n<li>you&#8217;re looking to adapt your strategy to your convictions or current events<br\/><\/li>\n\n\n\n<li>you expect a <strong>minimum of human interaction<\/strong> or room for maneuver<br\/><\/li>\n<\/ul>\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><em>&#8220;Selma allows you to delegate everything, but that&#8217;s exactly what can become frustrating as soon as you seek to readjust, understand or get more involved.&#8221;<\/em><\/p>\n<\/blockquote>\n\n<p>But this comfort comes with very clear trade-offs: no flexibility, no customization, no exchange. So it all depends on the level of involvement you wish to maintain in your portfolio. <\/p>\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-ac4ad9049ea11fb71a493a48fe4852eb\" style=\"font-size:22px\"><strong>Selma Promo Code<\/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 \">Use the promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">NEOSEL<\/mark><\/strong> to <strong>receive a CHF 34<\/strong> bonus.<br\/><br\/>Free account <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>Receive 34 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n<p><a href=\"https:\/\/heyneo.ch\/en\/promo-code\/selma\/\" type=\"post\" id=\"20461\">Selma Promo Code: All the details<\/a><\/p>\n<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=\"a-lire-aussi\">Also read<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-invest\/\">Review and Test of Yuh Investment  Trading<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/neon-invest\/\">Review and test of Neon Investment  Trading<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/alpian-invest\/\">Review and Test of Alpian Investment  Trading <\/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=\"21-que-pensez-vous-de-selma-pour-vos-investissements\">\t\t<h2 class=\"mt0 mb0\">What do you think of Selma for your investments?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">What do you think of Selma for your investments?<\/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>Has the Selma app facilitated your investments? <\/li>\n\n\n\n<li>What feature would you like to customize or improve?  <\/li>\n\n\n\n<li>Does Selma satisfy you in terms of advice?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Share your feedback<\/mark><\/strong> with all Neo&#8217;s friends \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(--wp--preset--color--vivid-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-EN-court-1.gif\" data-src=\"\" alt=\"User opinions and comments\" loading=\"lazy\" height=\"249\"><\/div>\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Our review of Selma: the investment platform for automating wealth management with low fees. From registration to the investment itself, is this the online investment platform for you? To determine this, we analyze Selma&#8217;s offering point by point. Open your account with promo code <strong>NEOSEL<\/strong> to earn <strong>34 CHF<\/strong>.   <\/p>\n","protected":false},"author":1,"featured_media":19632,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[650],"product_tag":[],"class_list":{"0":"post-18431","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-investment-trading","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Selma Investment \u2013 Review, Test &amp; Opinion (May 2026)<\/title>\n<meta name=\"description\" content=\"Selma: Automated Investment Platform in Switzerland. Available Options, Portfolio Creation, Our Feedback: Strengths and Weaknesses...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/heyneo.ch\/en\/service\/selma-invest\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Selma \u2013 My full review and opinion in May 2026\" \/>\n<meta property=\"og:description\" content=\"Selma: Automated Investment Platform in Switzerland. 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Comparez, avis, comparatifs, tests des n\u00e9o-banques (Alpian, Neon, N26, Yuh, Revolut Suisse, Wise, Zak). Explorez la Swiss FINTECH avec un \u0153il curieux, honn\u00eate et critique. 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It seeks a global balance between return and risk, without any particular bias. If you prefer not to overthink it, this option gets the job done.  <br><br><strong>Sustainability Portfolio<\\\/strong><br>Here, Selma filters out companies linked to fossil fuels, armaments, or tobacco. The selection follows quite strict ESG criteria. While I cannot choose the exclusions myself, the approach aims to be more responsible.  <br><br><strong>Income Portfolio<\\\/strong><br>This portfolio aims to generate consistent income. It is primarily designed for retirees or those who desire supplementary income without excessive exposure. <br><br>Each portfolio can be configured with or without a Swiss bias.\",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/selma-invest\\\/#faq-question-1762510805903\",\n\t            \"position\": 2,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/selma-invest\\\/#faq-question-1762510805903\",\n\t            \"name\": \"What changes with this famous \u201cSwiss Bias\u201d \ud83c\udde8\ud83c\udded?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"When choosing your portfolio, you can activate an option that gives more weight to Swiss investments. With this local bias, your portfolio is less exposed internationally but more aligned with the country's economy, which can be fiscally advantageous or simply reassuring. <br>Conversely, if I do not activate it, my strategy remains entirely global, without preference for Swiss assets.\",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/selma-invest\\\/#faq-question-1762510876629\",\n\t            \"position\": 3,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/selma-invest\\\/#faq-question-1762510876629\",\n\t            \"name\": \"And how does the \u201cretirement\u201d mode work?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"Once switched to \u201cPension Mode,\u201d Selma automatically adjusts the portfolio: the risk level decreases, the equity portion declines, and priority is given to more stable investments, often Swiss.<br>I can activate this mode from the app, without needing to contact anyone. It works with any type of portfolio. \",\n\t                \"inLanguage\": \"en-US\"\n\t            },\n\t            \"inLanguage\": \"en-US\"\n\t        },\n\t        {\n\t            \"@type\": \"Question\",\n\t            \"@id\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/selma-invest\\\/#faq-question-1772456351280\",\n\t            \"position\": 4,\n\t            \"url\": \"https:\\\/\\\/heyneo.ch\\\/en\\\/service\\\/selma-invest\\\/#faq-question-1772456351280\",\n\t            \"name\": \"What is Selma Family?\",\n\t            \"answerCount\": 1,\n\t            \"acceptedAnswer\": {\n\t                \"@type\": \"Answer\",\n\t                \"text\": \"Selma Family allows you to group multiple accounts to reach a more advantageous fee tier. Portfolios remain completely independent. 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Comparez, avis, comparatifs, tests des n\u00e9o-banques (Alpian, Neon, N26, Yuh, Revolut Suisse, Wise, Zak). Explorez la Swiss FINTECH avec un \u0153il curieux, honn\u00eate et critique. Promesse : transparence \/ expertise \/ p\u00e9dagogie.","legalName":"heyneo.ch","publishingPrinciples":"https:\/\/heyneo.ch\/a-propos-de-heyneo-ch\/","actionableFeedbackPolicy":"https:\/\/heyneo.ch\/politique-de-confidentialite-heyneo\/","correctionsPolicy":"https:\/\/heyneo.ch\/politique-de-confidentialite-heyneo\/","ethicsPolicy":"https:\/\/heyneo.ch\/a-propos-de-heyneo-ch\/"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1762510629478","position":1,"url":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1762510629478","name":"So, what types of portfolios are available with Selma?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"<strong>Classic Portfolio<\/strong><br>This is the default option. It seeks a global balance between return and risk, without any particular bias. If you prefer not to overthink it, this option gets the job done.  <br><br><strong>Sustainability Portfolio<\/strong><br>Here, Selma filters out companies linked to fossil fuels, armaments, or tobacco. The selection follows quite strict ESG criteria. While I cannot choose the exclusions myself, the approach aims to be more responsible.  <br><br><strong>Income Portfolio<\/strong><br>This portfolio aims to generate consistent income. It is primarily designed for retirees or those who desire supplementary income without excessive exposure. <br><br>Each portfolio can be configured with or without a Swiss bias.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1762510805903","position":2,"url":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1762510805903","name":"What changes with this famous \u201cSwiss Bias\u201d \ud83c\udde8\ud83c\udded?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"When choosing your portfolio, you can activate an option that gives more weight to Swiss investments. With this local bias, your portfolio is less exposed internationally but more aligned with the country's economy, which can be fiscally advantageous or simply reassuring. <br>Conversely, if I do not activate it, my strategy remains entirely global, without preference for Swiss assets.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1762510876629","position":3,"url":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1762510876629","name":"And how does the \u201cretirement\u201d mode work?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Once switched to \u201cPension Mode,\u201d Selma automatically adjusts the portfolio: the risk level decreases, the equity portion declines, and priority is given to more stable investments, often Swiss.<br>I can activate this mode from the app, without needing to contact anyone. It works with any type of portfolio. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1772456351280","position":4,"url":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1772456351280","name":"What is Selma Family?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Selma Family allows you to group multiple accounts to reach a more advantageous fee tier. Portfolios remain completely independent. Only the applied rate changes when the combined amount exceeds a certain threshold.  ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1772456366371","position":5,"url":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1772456366371","name":"Does Selma Family involve sharing your money?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No. Each investor keeps their capital, strategy, and control. Amounts are simply added together to determine the pricing level. There's no joint account or shared liability.   ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1772456382401","position":6,"url":"https:\/\/heyneo.ch\/en\/service\/selma-invest\/#faq-question-1772456382401","name":"Does Selma Family allow you to significantly reduce fees?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The saving depends on the capital invested and the tier reached. If grouping allows you to cross a higher threshold, fees decrease. However, for small isolated amounts, the effect remains moderate.  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