{"id":24567,"date":"2025-09-26T01:03:39","date_gmt":"2025-09-25T23:03:39","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24567"},"modified":"2026-02-10T09:18:25","modified_gmt":"2026-02-10T08:18:25","slug":"recensione-finpension-pilastro-3a","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/","title":{"rendered":"La nostra opinione sul conto pilastro 3a Finpension nel 2026"},"content":{"rendered":"\n<p><strong>Finpension 3a \u00e8 una delle <a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">soluzioni del pilastro 3a<\/a> pi\u00f9 complete sul mercato svizzero per investire. \u00c8 flessibile, la sua gestione \u00e8 100% digitale e i suoi costi sono competitivi.<\/strong><\/p>\n\n<p><strong>A differenza delle offerte bancarie classiche, spesso rigide, poco trasparenti e con scarsi investimenti in azioni. Non \u00e8 una soluzione chiavi in mano, ma Finpension offre ai risparmiatori una vera leva di ottimizzazione, a condizione di voler un minimo di coinvolgimento. <\/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;}<\/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=\"L'apertura del conto 3a\"><a class=\"gs-scrollto\" href=\"#1-ouvrir-compte-pilier-3a\">L&#8217;apertura del conto 3a<\/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=\"Strategia di investimento\"><a class=\"gs-scrollto\" href=\"#2-strat%C3%A9gies\">Strategia di investimento<\/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=\"Profilo di rischio\"><a class=\"gs-scrollto\" href=\"#3-profil-risque\">Profilo di rischio<\/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=\"Fiscalit\u00e0\"><a class=\"gs-scrollto\" href=\"#4-fiscalit%C3%A9\">Fiscalit\u00e0<\/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=\"Sicurezza del conto\"><a class=\"gs-scrollto\" href=\"#5-s%C3%A9curit%C3%A9\">Sicurezza del conto<\/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=\"I costi\"><a class=\"gs-scrollto\" href=\"#6-frais\">I costi<\/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. concorrenti\"><a class=\"gs-scrollto\" href=\"#7-finpension-vs-concurrents\">Finpension vs. concorrenti<\/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=\"La nostra opinione su Finpension 3a\"><a class=\"gs-scrollto\" href=\"#8-notre-avis\">La nostra opinione su 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=\"Cosa ne pensate di Selma per i vostri investimenti?\"><a class=\"gs-scrollto\" href=\"#21-votre-avis\">Cosa ne pensi di Selma per i tuoi investimenti?<\/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>Apertura rapida, piattaforma chiara<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;apertura del conto 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>Tutto si fa online, tramite un&#8217;<strong>app mobile o l&#8217;interfaccia web<\/strong>. L&#8217;iscrizione richiede meno di 10 minuti. Si sceglie una strategia di investimento (predefinita o personalizzata), si collega il proprio conto, e poi si inizia con un primo versamento.  <\/p>\n\n<p>\u2714 Nessuna burocrazia<br\/>\u2714 Nessun minimo obbligatorio (ma al di sotto di 1.000 CHF l&#8217;allocazione rimane poco diversificata e l&#8217;impatto a lungo termine limitato)<br\/>\u2714 Interfaccia chiara<\/p>\n\n<p><strong>Da notare<\/strong>: \u00e8 necessario essere <strong>residente svizzero con un reddito soggetto all&#8217;AVS<\/strong> per aprire un conto.<\/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\">\u00c8 possibile aprire pi\u00f9 conti 3a con Finpension?<\/strong> <p class=\"schema-faq-answer\">S\u00ec, ed \u00e8 persino consigliato per ottimizzare la tassazione al momento del prelievo.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758493356455\"><strong class=\"schema-faq-question\">Quanti conti 3a si possono aprire?<\/strong> <p class=\"schema-faq-answer\">Fino a 5 conti 3a.<\/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>Strategia: un pilastro 3a progettato per l&#8217;investitore<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Strategia di investimento<\/div>\t<\/div><\/div>\n<p>Laddove molte soluzioni limitano l&#8217;allocazione in azioni al 45% o all&#8217;80%, <strong>Finpension permette di arrivare fino al 99%<\/strong>, a seconda del profilo di rischio.<\/p>\n\n<p>Questa soglia elevata offre un vero margine per <strong>puntare a un rendimento pi\u00f9 elevato a lungo termine<\/strong>, in particolare per i giovani attivi o per coloro che sono a proprio agio con la volatilit\u00e0 dei mercati.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"choix-des-profils-ou-gestion-libre\"><strong>Scelta dei profili o gestione libera<\/strong><\/h3>\n\n<p>Due opzioni sono proposte all&#8217;apertura:<\/p>\n\n<h4 class=\"wp-block-heading\" id=\"option-1-les-strategies-predefinies\"><strong>Opzione 1: le strategie predefinite<\/strong><\/h4>\n\n<p>Sei allocazioni preconfigurate (Equity 0 a Equity 100), con una quota di azioni modulabile:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Equity 20 \u2192<\/strong> 20% azioni<\/li>\n\n\n\n<li>\u2026<\/li>\n\n\n\n<li><strong>Equity 100 \u2192<\/strong> 99% azioni + 1% liquidit\u00e0<br\/><\/li>\n<\/ul>\n\n<p>Ogni profilo pu\u00f2 essere combinato con un focus:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\ud83c\udf0d Globale (diversificazione mondiale)<\/li>\n\n\n\n<li>\ud83c\udde8\ud83c\udded Svizzera (azioni CH sovrappesate)<\/li>\n\n\n\n<li>\u267b\ufe0f Sostenibile (fondi ESG)<br\/><\/li>\n<\/ul>\n\n<p>Ovvero <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">18 combinazioni possibili<\/mark><\/strong> in totale.  <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"option-2-strategie-personnalisee\"><strong>Opzione 2: strategia personalizzata<\/strong><\/h4>\n\n<p>Finpension permette di comporre il proprio portafoglio manualmente:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Scelta tra un&#8217;ampia gamma di fondi indicizzati istituzionali (Credit Suisse, UBS, Swisscanto).<\/li>\n\n\n\n<li>Ripartizione su misura secondo la tua visione e il tuo profilo.<\/li>\n\n\n\n<li>Possibilit\u00e0 di arrivare fino al 99% in azioni, senza vincoli di copertura del cambio.<\/li>\n\n\n\n<li>Allocazione al 100% in liquidit\u00e0 o tramite un fondo monetario \u00e8 anche possibile.<br\/><\/li>\n<\/ul>\n\n<p>Non c&#8217;\u00e8 la possibilit\u00e0 di investire direttamente in azioni individuali o tematiche specifiche.<\/p>\n\n<p><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Attenzione per\u00f2<\/mark>, una configurazione manuale mal calibrata pu\u00f2 esporre a rischi sottostimati.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-ce-qui-manque-pour-l-instant-a-finpension\"><strong>Ci\u00f2 che manca per ora a Finpension:<\/strong><\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Una strategia ESG meglio integrata<\/strong>: Finpension propone una strategia sostenibile, ma non esclude necessariamente tutti i settori controversi.<\/li>\n\n\n\n<li>Per avere un portafoglio veramente 100% ESG, bisogna costruirlo da soli.<\/li>\n\n\n\n<li><strong>Un po&#8217; pi\u00f9 di pedagogia<\/strong> per i principianti.<\/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\">Degli <strong>ETF per minimizzare i costi<\/strong><\/h3>\n\n<p>L&#8217;investimento avviene esclusivamente tramite <strong>fondi indicizzati (ETF)<\/strong>, selezionati per la loro trasparenza, i loro costi bassi e la loro liquidit\u00e0. \u00c8 una <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">vera differenza<\/mark> rispetto ad alcune banche o piattaforme come Frankly, che integrano fondi propri, a volte pi\u00f9 costosi o meno liquidi. <\/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>E se si vuole un pilastro 3a poco rischioso?<\/strong><\/strong> <p class=\"schema-faq-answer\">Finpension permette di integrare fino al <strong>100% di liquidit\u00e0<\/strong> nel proprio portafoglio. Non \u00e8 consigliato per il lungo termine (rendimento quasi nullo), ma \u00e8 possibile.<br\/>Strategie difensive, con <strong>una quota di obbligazioni<\/strong>, sono anche proposte. <\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758493770784\"><strong class=\"schema-faq-question\"><strong>L&#8217;opzione sostenibile (ESG) di Finpension \u00e8 realmente impegnata?<\/strong><\/strong> <p class=\"schema-faq-answer\">Finpension offre un&#8217;opzione ESG, ma con un approccio <strong>classico<\/strong>: esclusione di alcuni settori (armi, tabacco, ecc.), senza personalizzazione tematica n\u00e9 impatto misurabile. \u00c8 sufficiente per inverdire il proprio portafoglio in modo semplice, ma <strong>meno avanzato<\/strong> rispetto a soluzioni come Inyova, che vanno oltre nell&#8217;investimento a impatto. <br\/><\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><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)) 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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-77038e85c1dae3e22fc7294794e1359d\" style=\"font-size:22px\"><strong>Codice Promozionale Finpension<\/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=\"logo app Finpension\" 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 \">Usa il codice promozionale <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\"><strong>9TESCJ<\/strong><\/mark><\/strong> per <strong>ottenere 25 CHF di credito sulle commissioni in bonus<\/strong>, una volta che hai versato almeno CHF 1.000.- nei primi 12 mesi.<br\/><br\/>Conto gratuito <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>Ricevi 25 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<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\">Profilo di rischio: Finpension offre pi\u00f9 libert\u00e0 rispetto ai pilastri 3a classici<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Profilo di rischio<\/div>\t<\/div><\/div>\n<p>Quando si lascia il proprio 3\u00b0 pilastro presso una banca classica (UBS, Raiffeisen, BCGE\u2026), una parte del rendimento viene persa in costi e <strong>gli investimenti sono spesso ultra-prudenti<\/strong> (molta liquidit\u00e0, pochissime azioni).<\/p>\n\n<p>La maggior parte delle banche svizzere tradizionali (PostFinance, UBS, Raiffeisen\u2026) limitano:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>la scelta di allocazione<\/strong> (spesso 1 o 2 profili standard),<\/li>\n\n\n\n<li><strong>la percentuale di azioni<\/strong>, raramente oltre il 45\u201350%,<\/li>\n\n\n\n<li><strong>le riallocazioni<\/strong>, che a volte devono passare tramite un consulente o sono limitate all&#8217;anno.<br\/><\/li>\n<\/ul>\n\n<p>Risultato: anche volendo investire in modo dinamico, ci si ritrova <strong>bloccati in portafogli conservatori<\/strong>, poco adatti a un orizzonte a lungo termine.<\/p>\n\n<p>Con <a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/pilier-3a-zak\/\">Zak 3a<\/a>, per esempio, si ha il merito della semplicit\u00e0, ma il numero di strategie rimane limitato, senza accesso diretto ai fondi sottostanti.<\/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>Fiscalit\u00e0: un dettaglio\u2026 che conta<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Fiscalit\u00e0<\/div>\t<\/div><\/div>\n<p>Un <mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">punto spesso trascurato<\/mark>: <strong>il cantone della fondazione<\/strong>. Finpension ha sede nel Cantone di Svitto, dove l&#8217;aliquota fiscale sui prelievi del 3a \u00e8 una delle pi\u00f9 basse della Svizzera (circa il 4,8%).<\/p>\n\n<p>Il prelievo del 3a \u00e8 tassato in base al cantone della fondazione, non a quello di residenza: con Svitto (Finpension), si pagano decisamente meno tasse che con Zurigo (<a href=\"https:\/\/heyneo.ch\/it\/servizio\/selma-investimenti\/\">Selma<\/a>, Frankly) o Basilea (VIAC, Zak).<\/p>\n\n<p>\u00c8 una vera leva se si preleva il proprio 3\u00b0 pilastro in un&#8217;unica soluzione o dall&#8217;estero.<\/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>Sicurezza: rigorosa regolamentazione svizzera<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Sicurezza del conto<\/div>\t<\/div><\/div>\n<p>Anche se Finpension non \u00e8 una banca, la sicurezza \u00e8 garantita da un solido quadro normativo:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>I fondi sono detenuti in una <strong>fondazione indipendente<\/strong>, giuridicamente separata dalla societ\u00e0 Finpension SA.<\/li>\n\n\n\n<li>Gli averi sono depositati presso una <strong>banca partner (ZKB o LUKB)<\/strong>, sotto supervisione.<\/li>\n<\/ul>\n\n<p>I portafogli sono <strong>protetti in caso di fallimento<\/strong>, e trasferibili a un&#8217;altra fondazione se necessario.<\/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>Costi: tutto incluso, senza sorprese<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">I costi<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Il modello di Finpension \u00e8 trasparente: <strong>0,39% all&#8217;anno<\/strong>, tutto incluso.<\/p>\n\n<p>Questo copre:<\/p>\n\n<p>\u2714 <strong>La gestione del portafoglio<\/strong> \u2192 ribilanciamenti, monitoraggio della strategia, allocazioni dinamiche.<\/p>\n\n<p>\u2714 <strong>L&#8217;accesso agli ETF selezionati<\/strong> \u2192 fondi indicizzati a basso costo, senza margine aggiuntivo.<\/p>\n\n<p>\u2714 <strong>L&#8217;utilizzo della piattaforma<\/strong> \u2192 applicazione mobile, interfaccia web, aggiornamenti e supporto.<\/p>\n\n<p>Nessun costo nascosto, nessuna commissione sui dividendi, nessun costo di arbitraggio.<\/p>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-77038e85c1dae3e22fc7294794e1359d\" style=\"font-size:22px\"><strong>Codice Promozionale Finpension<\/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=\"logo app Finpension\" 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 \">Usa il codice promozionale <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\"><strong>9TESCJ<\/strong><\/mark><\/strong> per <strong>ottenere 25 CHF di credito sulle commissioni in bonus<\/strong>, una volta che hai versato almeno CHF 1.000.- nei primi 12 mesi.<br\/><br\/>Conto gratuito <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>Ricevi 25 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<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. concorrenti<\/div>\t<\/div><\/div>\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Criteri<\/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 azioni<\/td><td>99 %<\/td><td>97 %<\/td><td>98 %<\/td><td>95 %<\/td><td>80 %<\/td><\/tr><tr><td>Costi annuali<\/td><td>0.39 %<\/td><td>0.45 %<\/td><td>0.68 %<\/td><td>0.50 %<\/td><td>0.50 %<\/td><\/tr><tr><td>Scelta dei fondi<\/td><td>Libera (5 ETF)<\/td><td>Semi-libera<\/td><td>Imposta<\/td><td>Imposta<\/td><td>Imposta<\/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>Supporto<\/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>leggero<\/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>Fiscalit\u00e0 al prelievo (cantone)<\/td><td>Svitto (4,8%)<\/td><td>Basilea (10,3%)<\/td><td>Zurigo (~9%)<\/td><td>Zurigo<\/td><td>Basilea<\/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\">Per chi \u00e8 pensata Finpension?<\/strong> <p class=\"schema-faq-answer\">\u2714 Se si cerca di ottimizzare seriamente il proprio pilastro 3a.<br\/>\u2714 Se si ha un orizzonte a lungo termine e si accettano le variazioni di mercato.<br\/>\u2714 Se si vuole mantenere <strong>il controllo totale sulla propria allocazione<\/strong>, senza dover passare tramite un consulente.<br\/><\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1758843591447\"><strong class=\"schema-faq-question\">In quali casi Finpension \u00e8 meno adatta?<\/strong> <p class=\"schema-faq-answer\">&#8211; Se si \u00e8 molto prudenti o vicini alla pensione (nessuna strategia 100% obbligazioni o contanti).<br\/>&#8211; Se si cerca un accompagnamento umano (non c&#8217;\u00e8 un consulente).<br\/>&#8211; Se si desidera una soluzione gestita al 100% senza coinvolgersi.<\/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\">La nostra opinione: Finpension \u00e8 uno strumento potente a condizione di volerlo gestire<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La nostra opinione su Finpension 3a<\/div>\t<\/div><\/div>\n<p>Finpension 3a non cerca di sedurre con marketing o un&#8217;interfaccia appariscente. Questo pilastro 3a permette di <strong>ottimizzare il proprio pilastro 3a come un investimento a lungo termine<\/strong>, senza costi superflui. C&#8217;\u00e8 una certa libert\u00e0 di scelta, ma non un accompagnamento. Ma questo livello di controllo ha un rovescio della medaglia: bisogna accettare di <strong>riflettere sulla propria allocazione<\/strong> ed essere esposti ai mercati. Non \u00e8 una soluzione chiavi in mano come Frankly o <a href=\"https:\/\/heyneo.ch\/banque-en-ligne\/pilier-3a-zak\/\">Zak 3a<\/a>, ma \u00e8 una delle pi\u00f9 <strong>complete e flessibili<\/strong> in %%currentyear%%.    <\/p>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-77038e85c1dae3e22fc7294794e1359d\" style=\"font-size:22px\"><strong>Codice Promozionale Finpension<\/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=\"logo app Finpension\" 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 \">Usa il codice promozionale <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\"><strong>9TESCJ<\/strong><\/mark><\/strong> per <strong>ottenere 25 CHF di credito sulle commissioni in bonus<\/strong>, una volta che hai versato almeno CHF 1.000.- nei primi 12 mesi.<br\/><br\/>Conto gratuito <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>Ricevi 25 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n\n<p><a href=\"https:\/\/heyneo.ch\/it\/codice-sconto\/finpension\/\" type=\"post\" id=\"27310\">Codice promo Finpension: tutte le 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\">Da leggere anche<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-selma-pilastro-3a\/\">Recensione e test del 3\u00b0 pilastro Selma 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/yuh-investimenti\/\">Recensione e test del 3\u00b0 pilastro Zak 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-frankly-pilastro-3a\/\">Recensione e test del 3\u00b0 pilastro Frankly 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-viac-pilastro-3a\/\">Recensione e test del 3\u00b0 pilastro VIAC 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">I Migliori Conti del 3\u00b0 pilastro (3a) in Svizzera<\/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\">Cosa ne pensate di Finpension per la vostra previdenza?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Cosa ne pensate di Selma per i vostri investimenti?<\/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>L&#8217;app Finpension ha facilitato l&#8217;apertura del conto? <\/li>\n\n\n\n<li>Qual \u00e8 la funzionalit\u00e0 che vorreste migliorare in Finpension?<\/li>\n\n\n\n<li>Finpension pilastro 3a \u00e8 sufficientemente ottimizzata per voi?<\/li>\n<\/ul>\n<\/blockquote>\n\n<p><strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">Condividi la tua<\/mark> esperienza<\/strong> con tutti gli amici di Neo \ud83d\ude08<\/p>\n<style>#gspb_image-id-gsbp-06c6056{text-align:center;}#gspb_image-id-gsbp-06c6056 img{vertical-align:top;}#gspb_image-id-gsbp-06c6056 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-06c6056 img{border-top-left-radius:30px;border-top-right-radius:30px;border-bottom-right-radius:30px;border-bottom-left-radius:30px;}#gspb_image-id-gsbp-06c6056 img{border-style:solid;border-width:18px;border-color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dvivid-green,#00d084);}#gspb_image-id-gsbp-06c6056 img{width:custom;}#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}@media (max-width:991.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:767.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}@media (max-width:575.98px){#gspb_image-id-gsbp-06c6056,#gspb_image-id-gsbp-06c6056 img{height:auto;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-06c6056\" id=\"gspb_image-id-gsbp-06c6056\"><img decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2024\/11\/CTA-commentaires-IT-court-1.gif\" data-src=\"\" alt=\"Opinioni e commenti degli utenti\" 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 \u00e8 una soluzione 3a svizzera che permette di gestire i propri investimenti e la propria previdenza tramite un&#8217;applicazione mobile. Offre un&#8217;ampia scelta di fondi, commissioni ridotte e si affida alla Banca Cantonale di Lucerna per il deposito degli averi. L&#8217;interfaccia privilegia la semplicit\u00e0 e la gestione online, con diverse opzioni per costruire il proprio portafoglio.   Utilizza il <strong>codice promozionale 9TESCJ<\/strong> all&#8217;apertura del tuo conto per <strong>ricevere un credito sulle commissioni di 25 CHF.<\/strong><\/p>\n<\/div>\n","protected":false},"author":1,"featured_media":24572,"comment_status":"open","ping_status":"closed","template":"","meta":{"_gspb_post_css":"","_lmt_disableupdate":"","_lmt_disable":""},"store":[],"product_brand":[],"product_cat":[1135],"product_tag":[],"class_list":{"0":"post-24567","1":"product","2":"type-product","3":"status-publish","4":"has-post-thumbnail","6":"product_cat-pilastro3a","8":"first","9":"instock","10":"shipping-taxable","11":"product-type-external"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>La nostra recensione del Finpension \u2013 Tutto sul 2026<\/title>\n<meta name=\"description\" content=\"Il conto del terzo pilastro di Finpension sotto ogni aspetto: apertura, costi, rendimento, allocazione, strategia di investimento. Ecco la nostra opinione.\" \/>\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\/it\/servizio\/recensione-finpension-pilastro-3a\/\" \/>\n<meta property=\"og:locale\" content=\"it_IT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La nostra opinione sul conto pilastro 3a Finpension nel 2026\" \/>\n<meta property=\"og:description\" content=\"Il conto del terzo pilastro di Finpension sotto ogni aspetto: apertura, costi, rendimento, allocazione, strategia di investimento. 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","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/#faq-question-1758493770784","position":4,"url":"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/#faq-question-1758493770784","name":"L'opzione sostenibile (ESG) di Finpension \u00e8 realmente impegnata?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Finpension offre un'opzione ESG, ma con un approccio <strong>classico<\/strong>: esclusione di alcuni settori (armi, tabacco, ecc.), senza personalizzazione tematica n\u00e9 impatto misurabile. \u00c8 sufficiente per inverdire il proprio portafoglio in modo semplice, ma <strong>meno avanzato<\/strong> rispetto a soluzioni come Inyova, che vanno oltre nell'investimento a impatto. <br>","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/#faq-question-1758843532814","position":5,"url":"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/#faq-question-1758843532814","name":"Per chi \u00e8 pensata Finpension?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"\u2714 Se si cerca di ottimizzare seriamente il proprio pilastro 3a.<br>\u2714 Se si ha un orizzonte a lungo termine e si accettano le variazioni di mercato.<br>\u2714 Se si vuole mantenere <strong>il controllo totale sulla propria allocazione<\/strong>, senza dover passare tramite un consulente.<br>","inLanguage":"it-IT"},"inLanguage":"it-IT"},{"@type":"Question","@id":"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/#faq-question-1758843591447","position":6,"url":"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/#faq-question-1758843591447","name":"In quali casi Finpension \u00e8 meno adatta?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"- Se si \u00e8 molto prudenti o vicini alla pensione (nessuna strategia 100% obbligazioni o contanti).<br>- Se si cerca un accompagnamento umano (non c'\u00e8 un consulente).<br>- Se si desidera una soluzione gestita al 100% senza coinvolgersi.","inLanguage":"it-IT"},"inLanguage":"it-IT"}]}},"_links":{"self":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product\/24567","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/types\/product"}],"author":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/comments?post=24567"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/media\/24572"}],"wp:attachment":[{"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/media?parent=24567"}],"wp:term":[{"taxonomy":"store","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/store?post=24567"},{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product_brand?post=24567"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product_cat?post=24567"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/heyneo.ch\/it\/wp-json\/wp\/v2\/product_tag?post=24567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}