{"id":24601,"date":"2025-09-27T22:43:34","date_gmt":"2025-09-27T20:43:34","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24601"},"modified":"2026-05-07T11:27:00","modified_gmt":"2026-05-07T09:27:00","slug":"recensione-frankly-pilastro-3a","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/it\/servizio\/recensione-frankly-pilastro-3a\/","title":{"rendered":"La nostra recensione sul conto pilastro 3a Frankly nel 2026"},"content":{"rendered":"\n<p><strong><a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">Soluzione di pilastro 3a<\/a> semplice, digitale e affidabile? Frankly \u00e8 una soluzione di pilastro 3a sviluppata dalla Banca Cantonale di Zurigo (ZKB) e dalla sua filiale specializzata in fondi di investimento Swisscanto. <\/strong><\/p>\n\n<p><strong>Offre costi ridotti, una gestione trasparente, portafogli ESG e un&#8217;app molto fluida. Abbiamo analizzato i suoi punti di forza, i suoi limiti, la sua logica di investimento e i suoi costi per vedere se Frankly mantiene le sue promesse. <\/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'offerta di Frankly\"><a class=\"gs-scrollto\" href=\"#1-offre-frankly\">L&#8217;offerta di Frankly<\/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-investissement\">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=\"I costi\"><a class=\"gs-scrollto\" href=\"#3-frais-frankly\">I costi<\/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=\"Apertura conto e gestione\"><a class=\"gs-scrollto\" href=\"#4-ouverture-compte\">Apertura conto e gestione<\/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=\"L'app Frankly\"><a class=\"gs-scrollto\" href=\"#5-application-frankly\">L&#8217;app Frankly<\/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=\"Garanzie di sicurezza\"><a class=\"gs-scrollto\" href=\"#6-s%C3%A9curit%C3%A9\">Garanzie di sicurezza<\/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=\"Partnership Frankly x Neon\"><a class=\"gs-scrollto\" href=\"#7-frankly-neon\">Partnership Frankly x Neon<\/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=\"Per chi \u00e8 adatto Frankly?\"><a class=\"gs-scrollto\" href=\"#8-recommander-frankly\">Per chi \u00e8 adatto Frankly?<\/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=\"Frankly VS finpension VS VIAC VS Zak\"><a class=\"gs-scrollto\" href=\"#9-frankly-vs-finpension-vs-viac-vs-zak\">Frankly VS finpension VS VIAC VS Zak<\/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=\"Conclusione\"><a class=\"gs-scrollto\" href=\"#10-conclusion\">Conclusione<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">11<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"La tua recensione su Frankly\"><a class=\"gs-scrollto\" href=\"#9-votre-avis\">La tua opinione su Frankly<\/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-offre-frankly\">\t\t<h2 class=\"mt0 mb0\">L&#8217;offerta di Frankly<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;offerta di Frankly<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Frankly \u00e8 una soluzione digitale di pilastro 3a sviluppata dalla Banca Cantonale di Zurigo (ZKB), tramite Swisscanto. L&#8217;obiettivo \u00e8 chiaro: semplificare il risparmio previdenziale con un prodotto 100% digitale, facile da gestire tramite un&#8217;applicazione mobile o un browser. <\/p>\n\n<p>In pratica, si pu\u00f2:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>aprire uno o pi\u00f9 conti pilastro 3a<\/li>\n\n\n\n<li>investire in una scelta di circa <strong>20 fondi indicizzati Swisscanto<\/strong><\/li>\n\n\n\n<li>regolare il proprio profilo di rischio<\/li>\n\n\n\n<li>monitorare le proprie performance in tempo reale<\/li>\n\n\n\n<li>trasferire facilmente i propri averi 3a esistenti<br\/><\/li>\n<\/ul>\n\n<p><strong>Da sapere<\/strong>: si tratta di un <strong>vero conto 3a bancario investito<\/strong>, non di un semplice prodotto di risparmio classico.<\/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-strat\u00e9gies-investissement\">\t\t<h2 class=\"mt0 mb0\"><strong>Come funziona l&#8217;investimento con Frankly?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Strategia di investimento<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"un-modele-d-investissement-passif-et-clair\"><strong>Un modello di investimento passivo e chiaro<\/strong><\/h3>\n\n<p>Frankly si basa su una logica di <strong>investimento indicizzato<\/strong> tramite i fondi Swisscanto. L&#8217;approccio \u00e8 diversificato, semplice e adatto agli orizzonti di investimento a lungo termine. <\/p>\n\n<p>Ogni portafoglio include una quota pi\u00f9 o meno elevata di azioni svizzere e mondiali a seconda del profilo scelto.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Fino al <strong>95% di azioni<\/strong> a seconda del profilo selezionato<\/li>\n\n\n\n<li>Tutti i fondi sono <strong>gestiti secondo un approccio ESG (sostenibile)<\/strong>, senza costi aggiuntivi<\/li>\n\n\n\n<li>Possibilit\u00e0 di ripartire il capitale su <strong>pi\u00f9 profili in parallelo<\/strong><strong><br\/><\/strong><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"profils-de-risque-disponibles\"><strong>Profili di rischio disponibili<\/strong><\/h3>\n\n<p>Si pu\u00f2 scegliere tra <strong>5 profili di rischio<\/strong> a seconda della propria tolleranza e del proprio orizzonte di investimento:<\/p>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Nome del profilo<\/strong><\/td><td><strong>Rischio<\/strong><\/td><\/tr><tr><td>0% azioni<\/td><td>Molto basso<\/td><\/tr><tr><td>25% azioni<\/td><td>Basso<\/td><\/tr><tr><td>45% azioni<\/td><td>Medio<\/td><\/tr><tr><td>75% azioni<\/td><td>Elevato<\/td><\/tr><tr><td>95% azioni<\/td><td>Molto alto<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<p>\ud83d\udccc \u00c8 possibile modificare il proprio profilo in qualsiasi momento (senza costi) o ripartire i propri averi su pi\u00f9 profili.<\/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-1759006937034\"><strong class=\"schema-faq-question\"><strong>Si pu\u00f2 scegliere un profilo senza azioni?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec. Il profilo 0% \u00e8 investito unicamente in obbligazioni, senza esposizione ai mercati azionari.<br\/>Ma attenzione: non \u00e8 <strong>investito in contanti puri<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759006957659\"><strong class=\"schema-faq-question\"><strong>Si pu\u00f2 cambiare profilo in corso d&#8217;opera?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec, gratuitamente e in qualsiasi momento.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1759006975217\"><strong class=\"schema-faq-question\"><strong>Si possono aprire pi\u00f9 conti 3a?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec, Frankly permette di creare pi\u00f9 conti per gestire meglio la propria fiscalit\u00e0 al momento del prelievo.<\/p> <\/div> <\/div>\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-frais-frankly\">\t\t<h2 class=\"mt0 mb0\">I costi di Frankly<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">I costi<\/div>\t<\/div><\/div>\n<p>\u00c8 uno dei <strong>punti di forza<\/strong> di Frankly.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Costi totali: 0,44% \/ anno<\/strong>, tutto incluso<br\/>(include costi di gestione del portafoglio + costi dei fondi)<\/li>\n\n\n\n<li><strong>Nessun costo di apertura, deposito o trasferimento<\/strong><\/li>\n\n\n\n<li>Nessun costo sui depositi mensili n\u00e9 sui trasferimenti 3a esterni in entrata<br\/><\/li>\n<\/ul>\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 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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-31a0f68eeaea41dad8e3083b1f576445\">I costi di Frankly sono <strong>competitivi<\/strong>, anche se non sono i pi\u00f9 bassi del mercato. La differenza rimane marginale per la maggior parte degli utenti. <\/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\">4<\/span>\t<\/div>\t<div id=\"4-ouverture-compte\">\t\t<h2 class=\"mt0 mb0\"><strong>Apertura e gestione del conto 3a Frankly<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Apertura conto e gestione<\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"h-ouverture-100-digitale\"><strong>Apertura 100% digitale<\/strong><\/h3>\n\n<p>L&#8217;apertura del conto Frankly \u00e8 rapida (circa 10 minuti), direttamente dall&#8217;applicazione mobile (iOS o Android) o tramite il sito web.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Identit\u00e0 verificata tramite video-identificazione<\/li>\n\n\n\n<li><strong>Conto attivo immediatamente dopo la convalida<\/strong><\/li>\n\n\n\n<li>Non \u00e8 necessario avere un conto presso la Banca ZKB<br\/><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\" id=\"transfert-d-avoirs-3a-existants\"><strong>Trasferimento di averi 3a esistenti<\/strong><\/h3>\n\n<p>Frankly facilita il trasferimento da altri fornitori:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Caricamento diretto di un documento di trasferimento<\/li>\n\n\n\n<li>Nessun costo di ricezione<\/li>\n\n\n\n<li>Monitoraggio in tempo reale dello stato del trasferimento<br\/><\/li>\n<\/ul>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759007336551\"><strong class=\"schema-faq-question\"><strong>Si pu\u00f2 trasferire un vecchio conto 3a a Frankly?<\/strong><\/strong> <p class=\"schema-faq-answer\"> S\u00ec, e senza costi. La procedura \u00e8 semplice e tutto \u00e8 gestito nell&#8217;app. <\/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\">5<\/span>\t<\/div>\t<div id=\"5-application-frankly\">\t\t<h2 class=\"mt0 mb0\"><strong>L&#8217;applicazione Frankly<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;app Frankly<\/div>\t<\/div><\/div>\n<p>L&#8217;app Frankly \u00e8 uno dei punti meglio valutati dagli utenti.<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Visualizzazione chiara delle performance<\/li>\n\n\n\n<li>Monitoraggio del rendimento netto (dopo i costi)<\/li>\n\n\n\n<li>Facile regolazione del profilo di rischio<\/li>\n\n\n\n<li>Possibilit\u00e0 di effettuare versamenti una tantum o ricorrenti<\/li>\n\n\n\n<li>Interfaccia in francese, tedesco, italiano<\/li>\n<\/ul>\n\n<p>\u2714 L&#8217;app \u00e8 fluida, veloce, senza sovraccarico grafico.<br\/> <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-ce-que-l-on-aurait-aime-voir\"><strong>Cosa avremmo voluto vedere<\/strong><\/h3>\n\n<p>Frankly dovrebbe offrire funzionalit\u00e0 di proiezione della pensione o un simulatore integrato per affinare il proprio piano (es. data obiettivo o obiettivo di rendita). Si rimane su una gestione manuale, semplice ed efficace, ma senza personalizzazione avanzata. <\/p>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759007484217\"><strong class=\"schema-faq-question\"><strong>Si pu\u00f2 gestire Frankly solo da smartphone?<\/strong><\/strong> <p class=\"schema-faq-answer\">No, esiste anche un&#8217;interfaccia web completa.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-s\u00e9curit\u00e9\">\t\t<h2 class=\"mt0 mb0\"><strong>Sicurezza del conto<\/strong> Frankly<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Garanzie di sicurezza<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Frankly \u00e8 supportato da <strong>attori solidi<\/strong> del sistema bancario svizzero:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Banca depositaria: Banca Cantonale di Zurigo (ZKB)<\/strong>, una delle pi\u00f9 grandi banche cantonali, con rating AA+<\/li>\n\n\n\n<li><strong>Fornitore dei fondi: Swisscanto<\/strong>, filiale della ZKB specializzata in fondi previdenziali<\/li>\n\n\n\n<li><strong>Fondazione di previdenza: Swisscanto Fondazione di previdenza<\/strong>, supervisionata dall&#8217;Autorit\u00e0 federale di vigilanza sui mercati finanziari (FINMA)<br\/><\/li>\n<\/ul>\n\n<p>Gli averi 3a sono protetti secondo le regole svizzere:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Patrimonio separato<\/strong> dal bilancio della banca: i fondi ti appartengono legalmente<\/li>\n\n\n\n<li><strong>Vigilanza regolamentare<\/strong> da parte della FINMA &amp; delle autorit\u00e0 cantonali<\/li>\n\n\n\n<li><strong>Struttura previdenziale sotto forma di fondazione<\/strong>, come tutte le soluzioni 3a serie<br\/><\/li>\n<\/ul>\n\n<p>In caso di fallimento di Frankly o della ZKB:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>I tuoi averi non sono <strong>persi<\/strong><\/li>\n\n\n\n<li>Sono protetti e trasferibili verso un altro fornitore<br\/><\/li>\n<\/ul>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759007538595\"><strong class=\"schema-faq-question\"><strong>I soldi sono al sicuro con Frankly?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec. Frankly applica le stesse regole di protezione di tutte le soluzioni di pilastro 3a svizzere autorizzate.<\/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\">7<\/span>\t<\/div>\t<div id=\"7-frankly-neon\">\t\t<h2 class=\"mt0 mb0\">Partnership <strong>Frankly x Neon<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\"><strong>Partnership <strong>Frankly x Neon<\/strong><\/strong><\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Frankly beneficia di un <strong>partenariato strategico con <\/strong><a href=\"https:\/\/heyneo.ch\/it\/servizio\/neon-recensione\/\"><strong>Neon, la neobanca svizzera<\/strong>.<\/a> In concreto, questo permette a tutti gli utenti Neon di aprire un conto 3a con Frankly e di beneficiare di un bonus di benvenuto di 35 CHF.<\/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\">8<\/span>\t<\/div>\t<div id=\"8-recommander-frankly\">\t\t<h2 class=\"mt0 mb0\"><strong>Per chi \u00e8 adatto Frankly?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\"><strong>Per chi \u00e8 adatto Frankly?<\/strong><\/div>\t<\/div><\/div>\n<h3 class=\"wp-block-heading\" id=\"h-frankly-est-adapte-si\"><strong>Frankly<\/strong><strong> \u00e8 adatto se\u2026<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Situazione<\/strong><\/td><td><strong>Perch\u00e9 Frankly funziona bene<\/strong><\/td><\/tr><tr><td>Si vogliono limitare le spese 3a<\/td><td>Con lo 0,44% all&#8217;anno tutto incluso, Frankly \u00e8 una delle soluzioni pi\u00f9 competitive del mercato<\/td><\/tr><tr><td>Si desidera investire in modo responsabile (ESG)<\/td><td>Tutti i fondi proposti rispettano i criteri ESG, senza costi aggiuntivi<\/td><\/tr><tr><td>Si vuole gestire il proprio 3a facilmente da un&#8217;app<\/td><td>L&#8217;app Frankly \u00e8 fluida, chiara, con interfaccia web disponibile<\/td><\/tr><tr><td>Si cerca di ripartire il proprio 3a tra pi\u00f9 portafogli<\/td><td>Frankly permette di aprire pi\u00f9 conti, ognuno con una strategia diversa<\/td><\/tr><tr><td>Si vuole trasferire un 3a esistente facilmente<\/td><td>La procedura \u00e8 rapida, gratuita e interamente digitale<\/td><\/tr><tr><td>Utilizziamo gi\u00e0 la neobanca Neon<\/td><td>Frankly \u00e8 integrato nell&#8217;app Neon, con un bonus di benvenuto e un&#8217;attivazione diretta<\/td><\/tr><tr><td>Si cerca una soluzione 100% svizzera, trasparente<\/td><td>Frankly \u00e8 gestita dalla ZKB, tramite una fondazione di previdenza vigilata dalla FINMA<\/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<h3 class=\"wp-block-heading\" id=\"frankly-est-moins-adapte-si\"><strong>Frankly \u00e8 meno adatto se\u2026<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Situazione<\/strong><\/td><td><strong>Perch\u00e9 potrebbe non funzionare<\/strong><\/td><\/tr><tr><td>Si desidera una strategia automatizzata con data obiettivo<\/td><td>Nessuna gestione pilotata n\u00e9 adeguamento automatico del portafoglio nel tempo<\/td><\/tr><tr><td>Si cerca un simulatore di pensione integrato<\/td><td>Frankly non offre proiezioni di capitale o calcoli di rendita<\/td><\/tr><tr><td>Si desidera un accompagnamento o una consulenza personalizzata<\/td><td>Nessun servizio di consulenza \u00e8 offerto nell&#8217;app<\/td><\/tr><tr><td>Si desidera investire unicamente in liquidit\u00e0 senza rischio di mercato<\/td><td>Il profilo 0% azioni rimane investito in fondi obbligazionari, non in liquidit\u00e0 pure<\/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>.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-frankly-vs-finpension-vs-viac-vs-zak\">\t\t<h2 class=\"mt0 mb0\"><strong><strong>Frankly VS finpension VS VIAC VS Zak<\/strong><\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\"><strong><strong>Frankly VS finpension VS VIAC VS Zak<\/strong><\/strong><\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Criteri<\/strong><\/td><td><strong>Frankly<\/strong><\/td><td><strong>Finpension<\/strong><\/td><td><strong>VIAC<\/strong><\/td><td><strong>Zak 3a<\/strong><\/td><\/tr><tr><td>Costi annuali (min.)<\/td><td><strong>0.44 %<\/strong><\/td><td>0.39 %<\/td><td>0.41 %<\/td><td>1.25 %<\/td><\/tr><tr><td>Profili disponibili<\/td><td>5 profili<\/td><td>Personalizzati<\/td><td>Preconfigurati<\/td><td>3 profili<\/td><\/tr><tr><td>ESG integrato<\/td><td>\u2714 S\u00ec<\/td><td>Opzionale<\/td><td>Opzionale<\/td><td>\u2718 No<\/td><\/tr><tr><td>App mobile fluida<\/td><td>\u2714\u00a0<\/td><td>\u2714<\/td><td>\u2714<\/td><td>\u2714<\/td><\/tr><tr><td>Partenariato neobanca<\/td><td>\u2714 Neon<\/td><td>\u2718<\/td><td>\u2718<\/td><td>\u2714 Zak<\/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>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">10<\/span>\t<\/div>\t<div id=\"10-conclusion\">\t\t<h2 class=\"mt0 mb0\"><strong>Conclusione: conviene scegliere Frankly per il tuo pilastro 3a?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusione<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Frankly \u00e8 una delle migliori opzioni 3a in Svizzera se cerchi una <strong>soluzione semplice, digitalizzata, senza brutte sorprese<\/strong>, e con <strong>un buon equilibrio tra performance, sostenibilit\u00e0 e costi<\/strong>.<\/p>\n\n<p>Anche se l&#8217;approccio rimane pi\u00f9 limitato rispetto a Finpension (meno personalizzabile), Frankly svolge perfettamente il suo ruolo: offrire un 3a efficace, trasparente, responsabile e a un prezzo competitivo.<\/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=\"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\/?post_type=product&amp;p=24141\">Recensione e test del 3\u00b0 pilastro Zak 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-finpension-pilastro-3a\/\">Recensioni e test del terzo pilastro Finpension 3a<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/it\/servizio\/recensione-viac-pilastro-3a\/\">Recensioni 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=\"9-votre-avis\">\t\t<h2 class=\"mt0 mb0\">Cosa ne pensi di Frankly per la tua previdenza?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La tua recensione su Frankly<\/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 Frankly ha facilitato l&#8217;apertura del conto? <\/li>\n\n\n\n<li>Qual \u00e8 la funzionalit\u00e0 che vorresti migliorare di Frankly?<\/li>\n\n\n\n<li>Frankly pilastro 3a \u00e8 sufficientemente ottimizzato per te?<\/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":"<p>Frankly \u00e8 una delle soluzioni 3a pi\u00f9 performanti in Svizzera. Sviluppata dalla Banca Cantonale di Zurigo (ZKB) e da Swisscanto, punta su costi ridotti, una gestione trasparente, portafogli ESG e un&#8217;app fluida. Un&#8217;offerta semplice e digitale, ma \u00e8 davvero la migliore opzione per preparare la propria pensione?  <\/p>\n","protected":false},"author":1,"featured_media":24610,"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-24601","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 v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>La nostra recensione Frankly 3a \u2013 Tutto sul 2026<\/title>\n<meta name=\"description\" content=\"Il conto del 3\u00b0 pilastro di Frankly sotto ogni aspetto: apertura, costi, rendimento, allocazione, strategia di investimento. 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