{"id":24730,"date":"2025-10-23T14:42:05","date_gmt":"2025-10-23T12:42:05","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24730"},"modified":"2026-05-07T10:58:42","modified_gmt":"2026-05-07T08:58:42","slug":"selma-pillar-3a-review","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/en\/service\/selma-pillar-3a-review\/","title":{"rendered":"Our Review of the Selma 3a Pillar Account in 2026"},"content":{"rendered":"\n<p><strong>Automating your <a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">3rd pillar<\/a> with a true investment strategy? That&#8217;s the promise of Selma, the Swiss robo-advisor offering a consistent approach: a personalized plan, primarily invested in stocks and entirely managed by an algorithm, without you having to choose your own funds or allocations. <\/strong><br\/><strong><br\/>Selma 3a targets a clear audience: those who want to maximize their long-term return potential without having to &#8220;manage&#8221; their 3rd pillar.<\/strong><br\/><strong><br\/>We tested Selma&#8217;s offering to understand its strengths, limitations, and positioning against leaders like Finpension, VIAC, or Frankly.<\/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=\"Selma's Offering\"><a class=\"gs-scrollto\" href=\"#1-offre-selma\">Selma&#8217;s Offering<\/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=\"Who is Selma 3a for?\"><a class=\"gs-scrollto\" href=\"#2-selma-pour-qui\">Who is Selma 3a for?<\/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=\"Investment Strategy\"><a class=\"gs-scrollto\" href=\"#3-strategie-investissement\">Investment Strategy<\/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=\"Selma 3a Fees\"><a class=\"gs-scrollto\" href=\"#4-selma-frais\">Selma 3a Fees<\/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=\"Deposits and Withdrawals\"><a class=\"gs-scrollto\" href=\"#5-versements-retraits\">Deposits and Withdrawals<\/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=\"The Selma App\"><a class=\"gs-scrollto\" href=\"#6-app-selma\">The Selma App<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">7<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Security\"><a class=\"gs-scrollto\" href=\"#7-selma-securite\">Security<\/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 Selma 3a\"><a class=\"gs-scrollto\" href=\"#8-notre-avis-selma\">Our review of Selma 3a<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Conclusion - Selma 3a at a glance\"><a class=\"gs-scrollto\" href=\"#9-selma-conclusion\">Conclusion &#8211; Selma 3a at a glance<\/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=\"Your review of Selma 3a\"><a class=\"gs-scrollto\" href=\"#9-votre-avis\">Your review of Selma 3a<\/a><\/span><\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>[<em>Update \u2013 02\/08\/2026: Improved reference links<\/em>]<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">1<\/span>\t<\/div>\t<div id=\"1-offre-selma\">\t\t<h2 class=\"mt0 mb0\">Selma&#8217;s Offering<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Selma&#8217;s Offering<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma 3a allows you to open a <strong>100% digital 3a pillar account<\/strong>, built around the same engine as its classic investment service.<br\/><br\/>The objective: to offer a managed, <strong>high-performing and diversified<\/strong> 3a, while maintaining great ease of use.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-les-points-cles\">Key Points:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Personalized investment plan<\/strong> based on one&#8217;s life situation<\/li>\n\n\n\n<li>Up to <strong>97% equities<\/strong> depending on the risk profile<\/li>\n\n\n\n<li><strong>Minimum amount<\/strong> to start: <strong>500 CHF<\/strong><\/li>\n\n\n\n<li>No manual choices to make \u2192 Selma manages everything<\/li>\n\n\n\n<li>Sustainable funds integrated by default<\/li>\n\n\n\n<li>Reduced fees if you also use the Selma investment account<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761223743597\"><strong class=\"schema-faq-question\">What if I already have a Selma investment account?<\/strong> <p class=\"schema-faq-answer\">Good idea: fees are reduced and the investment strategy is harmonized between the two accounts.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761223759138\"><strong class=\"schema-faq-question\">What is the minimum to start?<\/strong> <p class=\"schema-faq-answer\">500 CHF.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761223771875\"><strong class=\"schema-faq-question\">Can I open multiple 3a accounts with Selma?<\/strong> <p class=\"schema-faq-answer\">No, only one 3a account is possible.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>But who is this type of offering really for? That&#8217;s what we explore next. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-selma-pour-qui\">\t\t<h2 class=\"mt0 mb0\"><strong>Who is Selma 3a for?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Who is Selma 3a for?<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> If you want <strong>an investment-oriented 3a<\/strong>, without having to manage your ETFs<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> If you already use Selma for investing, or if you want <strong>unified wealth management<\/strong><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> If you want a <strong>smooth experience<\/strong> with simple tracking, without jargon<\/p>\n\n<p>Less suitable if you want to:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Choose your own funds or allocation<\/li>\n\n\n\n<li>Minimize fees<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-strategie-investissement\">\t\t<h2 class=\"mt0 mb0\"><strong>Selma 3a Investment Strategy<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Investment Strategy<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Everything starts with establishing a personalized plan via a questionnaire that analyzes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>your income, personal situation, and goals<\/li>\n\n\n\n<li>your risk tolerance<\/li>\n\n\n\n<li>your other assets (real estate, existing 3a accounts, etc.)<\/li>\n<\/ul>\n\n<p>Based on this, <strong>Selma offers one of 5 standard investment profiles<\/strong>, with a progressive equity allocation of up to 97%.<\/p>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Profile<\/strong><\/td><td><strong>% in equities (max)<\/strong><\/td><td><strong>Risk Level<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Conservative<\/td><td>~25%<\/td><td>Low<\/td><\/tr><tr><td>Balanced<\/td><td>~45%<\/td><td>Moderate<\/td><\/tr><tr><td>Growth<\/td><td>~65%<\/td><td>Moderate +<\/td><\/tr><tr><td>Ambitious<\/td><td>~85%<\/td><td>High<\/td><\/tr><tr><td>Bold<\/td><td>~97%<\/td><td>Very high<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6b8555d svg,#gspb_infoBox-id-gsbp-6b8555d svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-6b8555d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6b8555d\" id=\"gspb_infoBox-id-gsbp-6b8555d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-401c160581e3cbee3f19d5497866d86a\">No manual strategy, no &#8220;tinkering&#8221;: <strong>everything is delegated to the Selma algorithm<\/strong>, which automatically adjusts the portfolio according to market movements and our situation.<\/p>\n<\/div><\/div><\/div>\n\n<p>What we would have liked, however: to have the option to select or avoid investment themes.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-portefeuilles-durables-integres\"><strong>\ud83c\udf31<\/strong><strong> Integrated Sustainable Portfolios<\/strong><\/h3>\n\n<p>All Selma 3a portfolios are built with <strong>products that meet ESG standards<\/strong>. These are not separate options or a filter to activate: <strong>sustainability is integrated by default<\/strong>, without compromising returns or risk level. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087280626\"><strong class=\"schema-faq-question\"><strong><strong>Does Selma offer thematic portfolios?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">No. The strategy is global and diversified, but not thematic (no &#8220;climate&#8221;, &#8220;tech&#8221;, &#8220;crypto&#8221; choices, etc.). <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>It remains to be seen how much this managed approach costs. Does automation come at a high price? Let&#8217;s review the 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\">4<\/span>\t<\/div>\t<div id=\"4-selma-frais\">\t\t<h2 class=\"mt0 mb0\">The <strong>Fees<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Selma 3a 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><strong>5<\/strong><strong>0.68% annual fees (all-inclusive)<\/strong><\/p>\n\n<p>This includes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>0.50% Selma management fees<\/li>\n\n\n\n<li>~0.18% underlying ETF fees<\/li>\n<\/ul>\n\n<p>No fees for:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>deposit or withdrawal<\/li>\n\n\n\n<li>transfer to another 3a<\/li>\n\n\n\n<li>account closure<\/li>\n<\/ul>\n\n<p><strong>Reduced fees<\/strong> if you combine your 3a account with a Selma investment portfolio.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-comparaison-avec-les-leaders-du-marche\"><strong>Comparison with Market Leaders<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td colspan=\"2\"><strong>Solution<\/strong><\/td><td><strong>Total fees<\/strong><\/td><td><strong>Flexibility<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Selma<\/td><td colspan=\"2\">0.68 %<\/td><td>Average (5 profiles)<\/td><\/tr><tr><td>Finpension<\/td><td colspan=\"2\">0.39 %<\/td><td>Very high (full custom)<\/td><\/tr><tr><td>VIAC<\/td><td colspan=\"2\">0.45 %<\/td><td>Average (models or custom)<\/td><\/tr><tr><td>Frankly<\/td><td colspan=\"2\">0.49 %<\/td><td>Average (8 strategies)<\/td><\/tr><tr><td>Zak 3a<\/td><td colspan=\"2\">1.25 %<\/td><td>Low<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-67ee041 svg,#gspb_infoBox-id-gsbp-67ee041 svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-67ee041 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-67ee041\" id=\"gspb_infoBox-id-gsbp-67ee041\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-2853224bad2b96c63b48d355cb1808ca\">Selma is a bit more expensive, but includes <strong>complete automated management<\/strong>, without manual intervention.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-versements-retraits\">\t\t<h2 class=\"mt0 mb0\"><strong>Deposits and Withdrawals<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Deposits and Withdrawals<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-versements\">Deposits<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Single or regular deposit<\/li>\n\n\n\n<li>Configuration possible in the app<\/li>\n\n\n\n<li>No minimum amount per transfer after opening<\/li>\n<\/ul>\n\n<p><strong>Deposit limits in<\/strong> <strong>%%currentyear%% <\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Employees with LPP<\/strong>: max <strong>7,258 CHF\/year<\/strong><\/li>\n\n\n\n<li><strong>Self-employed without LPP<\/strong>: up to <strong>36,288 CHF\/year<\/strong> (20% of net income)<br\/><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087599904\"><strong class=\"schema-faq-question\"><strong>Is transferring from another 3a free?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. Selma handles the operation free of charge.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-retraits\">Withdrawals<\/h3>\n\n<p>In accordance with Swiss legislation:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Disability or death<\/li>\n\n\n\n<li>Early retirement (max 5 years before legal retirement age)<\/li>\n\n\n\n<li>Purchase of primary residence<\/li>\n\n\n\n<li>Permanent departure from Switzerland<\/li>\n\n\n\n<li>Starting a business<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-app-selma\">\t\t<h2 class=\"mt0 mb0\">The <strong>Selma App<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">The Selma App<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>The 3a account is managed directly from the Selma app (or via the web portal):<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Real-time performance tracking<\/li>\n\n\n\n<li>Asset allocation (ETFs, equities, bonds)<\/li>\n\n\n\n<li>Deposit history<\/li>\n\n\n\n<li>Access to tax documents<\/li>\n<\/ul>\n\n<p><strong>Smooth<\/strong>, <strong>clear<\/strong> interface, without clutter or jargon.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-903ef80 svg,#gspb_infoBox-id-gsbp-903ef80 svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-903ef80 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-903ef80\" id=\"gspb_infoBox-id-gsbp-903ef80\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-ba10e5b0263437a2fa72eda5260098bc\">The Selma app combines <strong>all investments<\/strong>, including 3a. The algorithm adjusts the overall strategy to avoid redundancies. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-selma-securite\">\t\t<h2 class=\"mt0 mb0\"><strong>Security<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Security<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma 3a relies on a <strong>100% Swiss and regulated infrastructure<\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>In case of bankruptcy of the custodian bank, 3a assets are protected <strong>up to 100,000 CHF<\/strong>, according to the Swiss legal framework for deposit protection.<\/li>\n\n\n\n<li>3a pillar assets are <strong>deposited in your name<\/strong> with <strong>VZ Depository Bank<\/strong>, a supervised Swiss bank.<\/li>\n\n\n\n<li>The solution is administered by the <strong>VZ Vorsorgestiftung pension foundation<\/strong>, known for its specialization in retirement management.<\/li>\n\n\n\n<li>Selma acts as an <strong>independent financial advisor<\/strong>, duly registered with <strong>FINMA<\/strong>, the Swiss Financial Market Supervisory Authority.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-notre-avis-selma\">\t\t<h2 class=\"mt0 mb0\"><strong>Our review of Selma 3a<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Our review of Selma 3a<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma offers a <strong>clear, coherent, and well-thought-out 3a offering<\/strong>, halfway between simplicity and performance.<\/p>\n\n<p>It is <strong>neither the most configurable nor the cheapest solution<\/strong>, but it offers:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>A <strong>smooth experience<\/strong><\/li>\n\n\n\n<li>An <strong>optimized strategy from the start<\/strong><\/li>\n\n\n\n<li>A <strong>sustainable approach by default<\/strong><\/li>\n\n\n\n<li>And <strong>true alignment<\/strong> with the rest of your portfolio<\/li>\n<\/ul>\n\n<p>Recommended if you are looking to <strong>intelligently delegate the management of your 3a pillar<\/strong>, without having to become an investment expert.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">9<\/span>\t<\/div>\t<div id=\"9-selma-conclusion\">\t\t<h2 class=\"mt0 mb0\">In summary \u2013 Selma 3a at a glance<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusion &#8211; Selma 3a at a glance<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"on-recommande-viac-si\">\u2705 Strengths<\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Strength<\/strong><\/td><td><strong>Why this is a real advantage<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>High exposure to equities (up to 97%)<\/strong><\/td><td>Allows aiming for long-term performance close to that of the most aggressive solutions on the market (like Finpension or VIAC).<\/td><\/tr><tr><td><strong>Automated and personalized management<\/strong><\/td><td>You don&#8217;t need to manage allocations yourself: Selma offers a plan adapted to your situation and automatically adjusts it based on the evolution of your profile.<\/td><\/tr><tr><td><strong>Sustainable funds by default<\/strong><\/td><td>No need to activate an ESG option: the ETF selection already respects basic environmental and social criteria, without sacrificing performance.<\/td><\/tr><tr><td><strong>Good integration with the Selma ecosystem<\/strong><\/td><td>If you also use Selma for investing, the entire portfolio (3a + free account) is managed coherently, with a harmonized global strategy.<\/td><\/tr><tr><td><strong>Clear and accessible interface<\/strong><\/td><td>The app allows you to track everything in real-time: performance, allocations, deposits\u2026 Even without finance experience, you can find your way around.<\/td><\/tr><tr><td><strong>Simplified transfer from another 3a<\/strong><\/td><td>Selma handles the transfer procedure free of charge, without friction or excessive paperwork.<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-points-faibles\">\u274c Weaknesses<\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Weakness<\/strong><\/td><td><strong>Why this might deter some users<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>High annual fees (0.68%)<\/strong><\/td><td>This is above cheaper solutions like Finpension (0.39%) or VIAC (0.45%), which impacts long-term net performance.<\/td><\/tr><tr><td><strong>No ETF customization<\/strong><\/td><td>You cannot choose your own funds nor adjust the weighting<\/td><\/tr><tr><td><strong>No Swiss or thematic portfolios<\/strong><\/td><td>Unlike other providers, Selma offers neither a 100% Swiss strategy, nor sectoral or impact funds (e.g., climate, tech).<\/td><\/tr><tr><td><strong>Entry threshold of 500 CHF<\/strong><\/td><td>You need to have this amount to start, whereas other solutions accept lower amounts, or even no minimum.<\/td><\/tr><tr><td><strong>Choice limited to 5 profiles<\/strong><\/td><td>Even if it&#8217;s simpler for many, those who want total control or tailor-made options may find the offering too rigid.<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-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:40px\" 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\/?post_type=product&amp;p=24139\">Review and Test of the Zak 3a 3rd Pillar<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/en\/service\/finpension-pillar-3a-review\/\">Finpension 3a 3rd Pillar Review and Test<\/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\/frankly-pillar-3a-review\/\">VIAC 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=\"9-votre-avis\">\t\t<h2 class=\"mt0 mb0\">What do you think of Selma 3a for your pension?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Your review of Selma 3a<\/div>\t<\/div><\/div>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>Did the Selma app make opening the account easier?<\/li>\n\n\n\n<li>What feature would you like to improve?<\/li>\n\n\n\n<li>Is Selma 3a sufficiently optimized for you?<\/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(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":"<p>Selma 3a automates your 3rd pillar with a personalized, algorithm-driven investment strategy, ideal for those who want to optimize their long-term returns without managing their portfolio themselves. Open your account with promo code <strong>NEOSEL<\/strong> to earn <strong>34 CHF<\/strong>. <\/p>\n","protected":false},"author":1,"featured_media":24735,"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":{"0":"post-24730","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-pillar3a","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Our review of Selma 3a \u2013 Everything you need to know in 2026<\/title>\n<meta name=\"description\" content=\"The Selma 3rd pillar account from all angles: fees, security, deposits, investment strategy. 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