{"id":24565,"date":"2025-09-26T01:03:39","date_gmt":"2025-09-25T23:03:39","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24565"},"modified":"2026-05-07T11:05:43","modified_gmt":"2026-05-07T09:05:43","slug":"finpension-pillar-3a-review","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/","title":{"rendered":"Our Review of the Finpension 3a Pillar Account in 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Finpension 3a is one of the <a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">Pillar 3a solutions<\/a> most comprehensive on the Swiss market for investing. It is flexible, its management is 100% digital, and its fees are competitive. <\/strong><\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Unlike traditional banking offers, which are often rigid, opaque, and poorly invested in equities. It&#8217;s not a ready-made solution, but Finpension gives savers a real lever for optimization, provided they are willing to get involved a little. <\/strong><\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gspb_container-id-gsbp-11a7e4c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-11a7e4c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-11a7e4c.gspb_container{position:relative;}#gspb_container-id-gsbp-11a7e4c.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-11a7e4c\" id=\"gspb_container-id-gsbp-11a7e4c\"><style>.gs-autolist{margin:15px 0 30px 0;border:1px solid #dddddd7d;}.gs-autolist-item{padding:15px 15px 15px 5px;display:flex;align-items:center;}.gs-autolist-title,.gs-autolist-title a{font-size:18px;line-height:24px;text-decoration:none}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item{background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item:nth-child(2n){background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{color:#ec4da3}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{border-radius:50%;color:#fff;margin:0 20px 0 15px;text-align:center;font-weight:700;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{background-color:#f4b6d9}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dsecondary,var(u002du002drehub-sec-color))}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{height:20px;line-height:20px;width:20px;font-size:13px;min-width:20px;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs_sub_heading .gs-autolist-number{font-size:70%;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{text-decoration:dotted underline;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-style:none;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-bottom-style:none;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-87fad4ca-0f99\" id=\"gspb_toc-id-gsbp-87fad4ca-0f99\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Opening the 3a account\"><a class=\"gs-scrollto\" href=\"#1-ouvrir-compte-pilier-3a\">Opening the 3a account<\/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=\"Investment Strategy\"><a class=\"gs-scrollto\" href=\"#2-strat%C3%A9gies\">Investment Strategy<\/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=\"Risk profile\"><a class=\"gs-scrollto\" href=\"#3-profil-risque\">Risk Profile<\/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=\"Taxation\"><a class=\"gs-scrollto\" href=\"#4-fiscalit%C3%A9\">Taxation<\/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=\"Account Security\"><a class=\"gs-scrollto\" href=\"#5-s%C3%A9curit%C3%A9\">Account Security<\/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\"><a class=\"gs-scrollto\" href=\"#6-frais\">Fees<\/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=\"Finpension vs. Competitors\"><a class=\"gs-scrollto\" href=\"#7-finpension-vs-concurrents\">Finpension vs. Competitors<\/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=\"Our review of Finpension 3a\"><a class=\"gs-scrollto\" href=\"#8-notre-avis\">Our review of Finpension 3a<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"What do you think of Selma for your investments?\"><a class=\"gs-scrollto\" href=\"#21-votre-avis\">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: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-ouvrir-compte-pilier-3a\">\t\t<h2 class=\"mt0 mb0\"><strong>Quick opening, clear platform<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Opening the 3a account<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Everything is done online, via a <strong>mobile app or web interface<\/strong>. Signing up takes less than 10 minutes. You choose an investment strategy (predefined or customized), connect your account, then start with an initial deposit.  <\/p>\n\n<p class=\"wp-block-paragraph\">\u2714 No paperwork<br\/>\u2714 No mandatory minimum (but below CHF 1,000, allocation remains undiversified and long-term impact limited)<br\/>\u2714 Clear interface<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Note<\/strong>: you must be a <strong>Swiss resident with AVS-eligible income<\/strong> to open an account.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758493336793\"><strong class=\"schema-faq-question\">Can you open multiple 3a accounts with Finpension?<\/strong> <p class=\"schema-faq-answer\">Yes, and it&#8217;s even recommended to optimize taxation at the time of withdrawal.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758493356455\"><strong class=\"schema-faq-question\">How many 3a accounts can be opened?<\/strong> <p class=\"schema-faq-answer\">Up to 5 3a accounts.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-strat\u00e9gies\">\t\t<h2 class=\"mt0 mb0\"><strong>Strategy: a 3a pillar designed for the investor<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Investment Strategy<\/div>\t<\/div><\/div>\n<p class=\"wp-block-paragraph\">Where many solutions cap equity allocation at 45% or 80%, <strong>Finpension allows up to 99%<\/strong>, depending on the risk profile.<\/p>\n\n<p class=\"wp-block-paragraph\">This high threshold provides real room to <strong>aim for higher long-term returns<\/strong>, especially for young professionals or those comfortable with market volatility.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"choix-des-profils-ou-gestion-libre\"><strong>Profile Selection or Self-Management<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Two options are offered upon opening:<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"option-1-les-strategies-predefinies\"><strong>Option 1: Predefined Strategies<\/strong><\/h4>\n\n<p class=\"wp-block-paragraph\">Six pre-configured allocations (Equity 0 to Equity 100), with a flexible equity portion:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity 20 \u2192<\/strong> 20% equities<\/li>\n\n\n\n<li>\u2026<\/li>\n\n\n\n<li><strong>Equity 100 \u2192<\/strong> 99% equities + 1% cash<br\/><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Each profile can be combined with a focus:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\ud83c\udf0d Global (worldwide diversification)<\/li>\n\n\n\n<li>\ud83c\udde8\ud83c\udded Swiss (overweighted CH equities)<\/li>\n\n\n\n<li>\u267b\ufe0f Sustainable (ESG funds)<br\/><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">A total of 18 possible combinations. <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"option-2-strategie-personnalisee\"><strong>Option 2: Customized Strategy<\/strong><\/h4>\n\n<p class=\"wp-block-paragraph\">Finpension allows you to build your portfolio manually:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Choice from a wide range of institutional index funds (Credit Suisse, UBS, Swisscanto).<\/li>\n\n\n\n<li>Tailor-made allocation according to your vision and profile.<\/li>\n\n\n\n<li>Possibility to go up to 99% in equities, without currency hedging constraints.<\/li>\n\n\n\n<li>100% cash allocation or via a money market fund also possible.<br\/><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">There is no possibility to invest directly in individual stocks or specific themes.<\/p>\n\n<p class=\"wp-block-paragraph\">However, beware, a poorly calibrated manual configuration can expose you to underestimated risks.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-ce-qui-manque-pour-l-instant-a-finpension\"><strong>What Finpension Currently Lacks:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>A better integrated ESG strategy<\/strong>: Finpension offers a sustainable strategy, but it doesn&#8217;t necessarily exclude all controversial sectors.<\/li>\n\n\n\n<li>To have a truly 100% ESG portfolio, you have to build it yourself.<\/li>\n\n\n\n<li><strong>A bit more guidance<\/strong> for beginners.<\/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=\"des-etf-pour-minimiser-les-frais\"><strong>ETFs to Minimize Fees<\/strong><\/h3>\n\n<p class=\"wp-block-paragraph\">Investment is exclusively through <strong>index funds (ETFs)<\/strong>, selected for their transparency, low fees, and liquidity. This is a <strong>real difference<\/strong> compared to some banks or platforms like Frankly, which integrate proprietary funds, sometimes more expensive or less liquid. <\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758493743007\"><strong class=\"schema-faq-question\"><strong>What if you want a low-risk 3a pillar?<\/strong><\/strong> <p class=\"schema-faq-answer\">Finpension allows you to integrate up to <strong>100% cash<\/strong> into your portfolio. This is not recommended for the long term (returns are almost zero), but it is possible.<br\/>Defensive strategies, with <strong>a portion of bonds<\/strong>, are also offered. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758493770784\"><strong class=\"schema-faq-question\"><strong>Is Finpension&#8217;s sustainable (ESG) option truly committed?<\/strong><\/strong> <p class=\"schema-faq-answer\">Finpension does offer an ESG option, but with a <strong>classic<\/strong> approach: excluding certain sectors (weapons, tobacco, etc.), without thematic customization or measurable impact. It&#8217;s enough to simply green your portfolio, but <strong>less advanced<\/strong> than solutions like Inyova, which go further in impact investing. <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-profil-risque\">\t\t<h2 class=\"mt0 mb0\">Risk Profile: Finpension offers more freedom than classic 3a pillars<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Risk profile<\/div>\t<\/div><\/div>\n<p class=\"wp-block-paragraph\">When you leave your 3rd pillar with a traditional bank (UBS, Raiffeisen, BCGE\u2026), a portion of the return is lost to fees, and <strong>investments are often ultra-conservative<\/strong> (lots of cash, very few equities).<\/p>\n\n<p class=\"wp-block-paragraph\">Most traditional Swiss banks (PostFinance, UBS, Raiffeisen\u2026) limit:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>the allocation choice<\/strong> (often 1 or 2 standard profiles),<\/li>\n\n\n\n<li><strong>the percentage of equities<\/strong>, rarely exceeding 45\u201350%,<\/li>\n\n\n\n<li><strong>reallocations<\/strong>, which sometimes require an advisor or are restricted annually.<br\/><\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Result: even when aiming for dynamic investment, one ends up <strong>stuck in conservative portfolios<\/strong>, poorly suited for a long-term horizon.<\/p>\n\n<p class=\"wp-block-paragraph\">With <a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/pilier-3a-zak\/\">Zak 3a<\/a>, for example, we get the benefit of simplicity, but the number of strategies remains limited, without direct access to underlying funds.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">4<\/span>\t<\/div>\t<div id=\"4-fiscalit\u00e9\">\t\t<h2 class=\"mt0 mb0\"><strong>Taxation: a detail&#8230; that matters<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Taxation<\/div>\t<\/div><\/div>\n<p class=\"wp-block-paragraph\">An often overlooked point: the canton of the foundation. Finpension is domiciled in the canton of Schwyz, where the tax rate on 3a withdrawals is one of the lowest in Switzerland (approx. 4.8%).<\/p>\n\n<p class=\"wp-block-paragraph\">3a withdrawals are taxed according to the canton of the foundation, not where one lives: with Schwyz (Finpension), you pay significantly less tax than with Zurich (<a href=\"https:\/\/heyneo.ch\/en\/service\/selma-invest\/\">Selma<\/a>, Frankly) or Basel (VIAC, Zak).<\/p>\n\n<p class=\"wp-block-paragraph\">This is a significant advantage if you withdraw your 3rd pillar all at once or from abroad.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-s\u00e9curit\u00e9\">\t\t<h2 class=\"mt0 mb0\"><strong>Security: strict Swiss regulation<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Account Security<\/div>\t<\/div><\/div>\n<p class=\"wp-block-paragraph\">Even if Finpension is not a bank, security is ensured by a solid regulatory framework:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Funds are held in an <strong>independent foundation<\/strong>, legally separate from finpension SA.<\/li>\n\n\n\n<li>Assets are deposited with a <strong>partner bank (ZKB or LUKB)<\/strong>, under supervision.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">Portfolios are <strong>protected in case of bankruptcy<\/strong>, and transferable to another foundation if needed.<\/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\">\t\t<h2 class=\"mt0 mb0\"><strong>Fees: all-inclusive, no surprises<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Fees<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p class=\"wp-block-paragraph\">Finpension&#8217;s model is transparent: <strong>0.39% per year<\/strong>, all-inclusive.<\/p>\n\n<p class=\"wp-block-paragraph\">This covers:<\/p>\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Portfolio management<\/strong> \u2192 rebalancing, strategy monitoring, dynamic allocations.<\/p>\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Access to selected ETFs<\/strong> \u2192 low-cost index funds, without additional margin.<\/p>\n\n<p class=\"wp-block-paragraph\">\u2714 <strong>Platform usage<\/strong> \u2192 mobile app, web interface, updates and support.<\/p>\n\n<p class=\"wp-block-paragraph\">No hidden fees, no commissions on dividends, no rebalancing fees.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-finpension-vs-concurrents\">\t\t<h2 class=\"mt0 mb0\"><strong>Finpension vs. VIAC vs. Selma vs. Frankly vs.    Zak<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Finpension vs. Competitors<\/div>\t<\/div><\/div>\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criterion<\/strong><\/td><td><strong>Finpension 3a<\/strong><\/td><td><strong>VIAC<\/strong><\/td><td><strong>Selma<\/strong><\/td><td><strong>Frankly<\/strong><\/td><td><strong>Zak 3a<\/strong><\/td><\/tr><tr><td>Max % in equities<\/td><td>99 %<\/td><td>97 %<\/td><td>98 %<\/td><td>95 %<\/td><td>80 %<\/td><\/tr><tr><td>Annual fees<\/td><td>0.39 %<\/td><td>0.45 %<\/td><td>0.68 %<\/td><td>0.50 %<\/td><td>0.50 %<\/td><\/tr><tr><td>Fund selection<\/td><td>Free (5 ETFs)<\/td><td>Semi-free<\/td><td>Mandatory<\/td><td>Mandatory<\/td><td>Mandatory<\/td><\/tr><tr><td>Web + mobile<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><\/tr><tr><td>Support<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td>Basic<\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><td><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-bright-color\">\u2718<\/mark><\/td><\/tr><tr><td>Taxation on withdrawal (canton)<\/td><td>Schwyz (4.8%)<\/td><td>Basel (10.3%)<\/td><td>Zurich (~9%)<\/td><td>Zurich<\/td><td>Basel<\/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<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1758843532814\"><strong class=\"schema-faq-question\">Who is Finpension for?<\/strong> <p class=\"schema-faq-answer\">\u2714 If you are seriously looking to optimize your 3a pillar.<br\/>\u2714 If you have a long-term horizon and accept market fluctuations.<br\/>\u2714 If you want to keep <strong>full control over your allocation<\/strong>, without having to go through an advisor.<br\/><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758843591447\"><strong class=\"schema-faq-question\">In which cases is Finpension less suitable?<\/strong> <p class=\"schema-faq-answer\">&#8211; If you are very cautious or close to retirement (no 100% bond or cash strategy).<br\/>&#8211; If you are looking for human support (there is no advisor).<br\/>&#8211; If you want a 100% managed solution without getting involved.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-notre-avis\">\t\t<h2 class=\"mt0 mb0\">Our opinion: Finpension is a powerful tool provided you want to manage it<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Our review of Finpension 3a<\/div>\t<\/div><\/div>\n<p class=\"wp-block-paragraph\">Finpension 3a does not seek to attract with marketing or a flashy interface. This 3a pillar allows you to <strong>optimize your 3a pillar as a long-term investment<\/strong>, without unnecessary fees. There is a certain freedom of choice, but no human support. But this level of control has a trade-off: you must accept to <strong>think about your allocation<\/strong> and be exposed to the markets. It&#8217;s not a ready-made solution like frankly or <a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/pilier-3a-zak\/\">Zak 3a<\/a>, but it is one of the most <strong>comprehensive and flexible<\/strong> in %%currentyear%%.    <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-565dade4ec07129753cd57256bc8f895 wp-block-paragraph\" style=\"font-size:22px\"><strong>Finpension 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\/09\/finpension-logo-app.png\" data-src=\"\" alt=\"finpension app 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 promo code <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\"><strong>9TESCJ<\/strong><\/mark><\/strong> to <strong>get a 25 CHF fee credit bonus<\/strong>, once you have deposited at least CHF 1,000 within the first 12 months.<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:\/\/app.finpension.ch\/\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Receive CHF 25<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/heyneo.ch\/en\/promo-code\/finpension\/\" type=\"post\" id=\"27310\">Finpension Promo Code: All the info<\/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\/selma-pillar-3a-review\/\">Review and test of the 3rd pillar Selma 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/yuh-invest\/\">Review and Test of the Zak 3a 3rd Pillar<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/frankly-pillar-3a-review\/\">Review and test of the 3rd pillar Frankly 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/viac-pillar-3a-review\/\">VIAC 3a 3rd Pillar Review and Test<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">The Best 3rd Pillar (3a) Accounts in Switzerland<\/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-votre-avis\">\t\t<h2 class=\"mt0 mb0\">What do you think of Finpension for your pension provision?<\/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>Did the Finpension app make it easy to open the account? <\/li>\n\n\n\n<li>What feature would you like to improve at Finpension?<\/li>\n\n\n\n<li>Is Finpension 3a pillar sufficiently optimized for you?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p class=\"wp-block-paragraph\"><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(u002du002dwpu002du002dpresetu002du002dcoloru002du002dvivid-green,#00d084);}#gspb_image-id-gsbp-06c6056 img{width:custom;}#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-06c6056\" id=\"gspb_image-id-gsbp-06c6056\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-EN-court-1.gif\" data-src=\"\" alt=\"User opinions and comments\" loading=\"lazy\" height=\"249\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n","protected":false},"excerpt":{"rendered":"<div class=\"prose text-pretty dark:prose-invert inline leading-relaxed break-words min-w-0 [word-break:break-word] prose-strong:font-medium\">\n<p class=\"my-2 [&amp;+p]:mt-4 [&amp;_strong:has(+br)]:inline-block [&amp;_strong:has(+br)]:pb-2\">Finpension is a Swiss 3a solution that allows users to manage their investments and pension provision via a mobile application. It offers a wide selection of funds, reduced fees, and relies on the Lucerne Cantonal Bank for asset custody. The interface prioritizes simplicity and online management, with various options for building one&#8217;s portfolio.   Use the <strong>promo code 9TESCJ<\/strong> when opening your account to <strong>receive a fee credit of CHF 25.<\/strong><\/p>\n<\/div>\n","protected":false},"author":1,"featured_media":24570,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[1134],"product_tag":[],"class_list":["post-24565","product","type-product","status-publish","has-post-thumbnail","product_cat-pillar3a","first","instock","shipping-taxable","product-type-external"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Our review of Finpension 3a \u2013 Everything you need to know in 2026<\/title>\n<meta name=\"description\" content=\"The Finpension 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. Here&#039;s our review.\" \/>\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\/finpension-pillar-3a-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Our Review of the Finpension 3a Pillar Account in 2026\" \/>\n<meta property=\"og:description\" content=\"The Finpension 3rd pillar account from all angles: opening, fees, returns, allocation, investment strategy. 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This is not recommended for the long term (returns are almost zero), but it is possible.<br>Defensive strategies, with <strong>a portion of bonds<\/strong>, are also offered. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/#faq-question-1758493770784","position":4,"url":"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/#faq-question-1758493770784","name":"Is Finpension's sustainable (ESG) option truly committed?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Finpension does offer an ESG option, but with a <strong>classic<\/strong> approach: excluding certain sectors (weapons, tobacco, etc.), without thematic customization or measurable impact. It's enough to simply green your portfolio, but <strong>less advanced<\/strong> than solutions like Inyova, which go further in impact investing. ","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/#faq-question-1758843532814","position":5,"url":"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/#faq-question-1758843532814","name":"Who is Finpension for?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u2714 If you are seriously looking to optimize your 3a pillar.<br>\u2714 If you have a long-term horizon and accept market fluctuations.<br>\u2714 If you want to keep <strong>full control over your allocation<\/strong>, without having to go through an advisor.<br>","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/#faq-question-1758843591447","position":6,"url":"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/#faq-question-1758843591447","name":"In which cases is Finpension less suitable?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- If you are very cautious or close to retirement (no 100% bond or cash strategy).<br>- If you are looking for human support (there is no advisor).<br>- If you want a 100% managed solution without getting involved.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product\/24565","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/types\/product"}],"author":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/comments?post=24565"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media\/24570"}],"wp:attachment":[{"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/media?parent=24565"}],"wp:term":[{"taxonomy":"store","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/store?post=24565"},{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_brand?post=24565"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_cat?post=24565"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/heyneo.ch\/en\/wp-json\/wp\/v2\/product_tag?post=24565"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}