{"id":24732,"date":"2025-10-23T14:42:05","date_gmt":"2025-10-23T12:42:05","guid":{"rendered":"https:\/\/heyneo.ch\/?post_type=product&#038;p=24732"},"modified":"2026-05-07T11:03:14","modified_gmt":"2026-05-07T09:03:14","slug":"recensione-selma-pilastro-3a","status":"publish","type":"product","link":"https:\/\/heyneo.ch\/it\/servizio\/recensione-selma-pilastro-3a\/","title":{"rendered":"La nostra recensione del conto pilastro 3a Selma nel 2026"},"content":{"rendered":"\n<p><strong>Automatizzare il tuo <a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">terzo pilastro<\/a> con una vera logica d&#8217;investimento? \u00c8 la promessa di Selma, il robo-advisor svizzero che propone un approccio coerente: un piano personalizzato, investito prevalentemente in azioni e interamente gestito da un algoritmo senza dover scegliere i propri fondi o allocazioni. <\/strong><br\/><strong><br\/>Selma 3a si rivolge a un target chiaro: coloro che vogliono massimizzare il proprio potenziale di rendimento a lungo termine senza doversi \u201coccupare\u201d del proprio 3\u00b0 pilastro.<\/strong><br\/><strong><br\/>Abbiamo testato l&#8217;offerta di Selma per comprenderne i punti di forza, i limiti e il posizionamento rispetto ai leader come Finpension, VIAC o Frankly.<\/strong><\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gspb_container-id-gsbp-11a7e4c{flex-direction:column;box-sizing:border-box;}#gspb_container-id-gsbp-11a7e4c.gspb_container > p:last-of-type{margin-bottom:0}#gspb_container-id-gsbp-11a7e4c.gspb_container{position:relative;}#gspb_container-id-gsbp-11a7e4c.gspb_container{box-sizing:border-box;}<\/style>\n<div class=\"wp-block-greenshift-blocks-container gspb_container gspb_container-gsbp-11a7e4c\" id=\"gspb_container-id-gsbp-11a7e4c\"><style>.gs-autolist{margin:15px 0 30px 0;border:1px solid #dddddd7d;}.gs-autolist-item{padding:15px 15px 15px 5px;display:flex;align-items:center;}.gs-autolist-title,.gs-autolist-title a{font-size:18px;line-height:24px;text-decoration:none}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item{background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-item:nth-child(2n){background-color:#ffffff}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{color:#ec4da3}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{border-radius:50%;color:#fff;margin:0 20px 0 15px;text-align:center;font-weight:700;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{background-color:#f4b6d9}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{color:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dsecondary,var(u002du002drehub-sec-color))}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-number{height:20px;line-height:20px;width:20px;font-size:13px;min-width:20px;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs_sub_heading .gs-autolist-number{font-size:70%;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist-title a{text-decoration:dotted underline;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-style:none;}#gspb_toc-id-gsbp-87fad4ca-0f99 .gs-autolist{border-bottom-style:none;}<\/style>\n<div class=\"wp-block-greenshift-blocks-toc gs-toc gspb_toc-id-gsbp-87fad4ca-0f99\" id=\"gspb_toc-id-gsbp-87fad4ca-0f99\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ItemList\"><div class=\"gs-autolist\"><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">1<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"L'offerta di Selma\"><a class=\"gs-scrollto\" href=\"#1-offre-selma\">L&#8217;offerta di Selma<\/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=\"Selma 3a, per chi?\"><a class=\"gs-scrollto\" href=\"#2-selma-pour-qui\">Selma 3a, per chi?<\/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=\"Strategia di investimento\"><a class=\"gs-scrollto\" href=\"#3-strategie-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\">4<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"I costi di Selma 3a\"><a class=\"gs-scrollto\" href=\"#4-selma-frais\">I costi di Selma 3a<\/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=\"Versamenti e prelievi\"><a class=\"gs-scrollto\" href=\"#5-versements-retraits\">Versamenti e prelievi<\/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=\"L'app Selma\"><a class=\"gs-scrollto\" href=\"#6-app-selma\">L&#8217;app Selma<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">7<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Sicurezza\"><a class=\"gs-scrollto\" href=\"#7-selma-securite\">Sicurezza<\/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 recensione di Selma 3a\"><a class=\"gs-scrollto\" href=\"#8-notre-avis-selma\">La nostra recensione di Selma 3a<\/a><\/span><\/div><div class=\"gs-autolist-item\" itemscope=\"\" itemprop=\"itemListElement\" itemtype=\"https:\/\/schema.org\/ListItem\"><span class=\"gs-autolist-number\">9<\/span><span class=\"gs-autolist-title\"><meta itemprop=\"name\" content=\"Conclusione - Selma 3a in sintesi\"><a class=\"gs-scrollto\" href=\"#9-selma-conclusion\">Conclusione &#8211; Selma 3a in sintesi<\/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=\"La tua opinione su Selma 3a\"><a class=\"gs-scrollto\" href=\"#9-votre-avis\">La tua opinione su Selma 3a<\/a><\/span><\/div><\/div><\/div>\n<\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>[<em>Aggiornamento \u2013 08.02.2026: Miglioramento dei link di riferimento<\/em>]<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">1<\/span>\t<\/div>\t<div id=\"1-offre-selma\">\t\t<h2 class=\"mt0 mb0\">L&#8217;offerta di Selma<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;offerta di Selma<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma 3a permette di aprire un <strong>conto pilastro 3a 100% digitale<\/strong>, costruito attorno allo stesso motore del suo servizio di investimento classico.<br\/><br\/>L&#8217;obiettivo: proporre un 3a gestito, <strong>performante e diversificato<\/strong>, mantenendo una grande semplicit\u00e0 d&#8217;uso.<\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-les-points-cles\">I punti chiave:<\/h3>\n\n<ul class=\"wp-block-list\">\n<li><strong>Piano di investimento personalizzato<\/strong> basato sulla propria situazione di vita<\/li>\n\n\n\n<li>Fino al <strong>97% di azioni<\/strong> a seconda del profilo di rischio<\/li>\n\n\n\n<li><strong>Importo minimo<\/strong> per iniziare: <strong>500 CHF<\/strong><\/li>\n\n\n\n<li>Nessuna scelta manuale da fare \u2192 Selma gestisce tutto<\/li>\n\n\n\n<li>Fondi sostenibili integrati per impostazione predefinita<\/li>\n\n\n\n<li>Costi decrescenti se si utilizza anche il conto di investimento Selma<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1761223743597\"><strong class=\"schema-faq-question\">E se ho gi\u00e0 un conto di investimento Selma?<\/strong> <p class=\"schema-faq-answer\">Buona idea: i costi diventano decrescenti e la strategia di investimento \u00e8 armonizzata tra i due conti.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761223759138\"><strong class=\"schema-faq-question\">Qual \u00e8 il minimo per iniziare?<\/strong> <p class=\"schema-faq-answer\">500 CHF.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1761223771875\"><strong class=\"schema-faq-question\">Posso aprire pi\u00f9 conti 3a con Selma?<\/strong> <p class=\"schema-faq-answer\">No, \u00e8 possibile un solo conto 3a.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Ma a chi si rivolge davvero questo tipo di offerta? \u00c8 quello che esploreremo subito dopo. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">2<\/span>\t<\/div>\t<div id=\"2-selma-pour-qui\">\t\t<h2 class=\"mt0 mb0\"><strong>A chi si rivolge Selma 3a?<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Selma 3a, per chi?<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> Se si desidera <strong>un 3a orientato all&#8217;investimento<\/strong>, senza dover gestire i propri ETF<br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> Se si utilizza gi\u00e0 Selma per investire, o si desidera una <strong>gestione patrimoniale unificata<\/strong><br\/><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-vivid-green-color\">\u2714<\/mark> Se si desidera un&#8217; <strong>esperienza fluida<\/strong> con un monitoraggio semplice, senza gergo<\/p>\n\n<p>Meno adatto se si desidera:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Scegliere autonomamente i fondi o la ripartizione<\/li>\n\n\n\n<li>Ridurre al massimo i costi<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">3<\/span>\t<\/div>\t<div id=\"3-strategie-investissement\">\t\t<h2 class=\"mt0 mb0\"><strong>Strategia di investimento di Selma 3a<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Strategia di investimento<\/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 inizia con la creazione di un piano personalizzato tramite un questionario che analizza:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>il proprio reddito, la propria situazione personale e i propri obiettivi<\/li>\n\n\n\n<li>la propria tolleranza al rischio<\/li>\n\n\n\n<li>i propri altri beni (immobili, conti 3a esistenti, ecc.)<\/li>\n<\/ul>\n\n<p>Su questa base, <strong>Selma propone uno dei 5 profili di investimento standard<\/strong>, con una percentuale di azioni progressiva fino al 97%.<\/p>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Profilo<\/strong><\/td><td><strong>% in azioni (max)<\/strong><\/td><td><strong>Livello di rischio<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Conservativo<\/td><td>~25%<\/td><td>Basso<\/td><\/tr><tr><td>Bilanciato<\/td><td>~45%<\/td><td>Moderato<\/td><\/tr><tr><td>Crescita<\/td><td>~65%<\/td><td>Medio +<\/td><\/tr><tr><td>Ambizioso<\/td><td>~85%<\/td><td>Elevato<\/td><\/tr><tr><td>Audace<\/td><td>~97%<\/td><td>Molto alto<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-6b8555d svg,#gspb_infoBox-id-gsbp-6b8555d svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-6b8555d svg{margin:0px !important;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-6b8555d .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-6b8555d\" id=\"gspb_infoBox-id-gsbp-6b8555d\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-658fb2f3d11e7a2ab3e82759e413603c\">Nessuna strategia manuale, nessun \u201cfai da te\u201d: <strong>si delega tutto all&#8217;algoritmo Selma<\/strong>, che adatta automaticamente il portafoglio in base ai movimenti di mercato e alla nostra situazione.<\/p>\n<\/div><\/div><\/div>\n\n<p>Quello che avremmo comunque voluto: avere la possibilit\u00e0 di selezionare o evitare tematiche di investimento.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-portefeuilles-durables-integres\"><strong>\ud83c\udf31<\/strong><strong> Portafogli sostenibili integrati<\/strong><\/h3>\n\n<p>Tutti i portafogli di Selma 3a sono costruiti con <strong>prodotti che rispettano gli standard ESG<\/strong>. Non si tratta di opzioni separate o di un filtro da attivare: <strong>la sostenibilit\u00e0 \u00e8 integrata per impostazione predefinita<\/strong>, senza compromessi sul rendimento o sul livello di rischio. <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087280626\"><strong class=\"schema-faq-question\"><strong><strong>Selma propone portafogli tematici?<\/strong><\/strong><\/strong> <p class=\"schema-faq-answer\">No. La strategia \u00e8 globale e diversificata, ma non tematica (nessuna scelta \u201cclima\u201d, \u201ctech\u201d, \u201ccrypto\u201d, ecc.). <\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Resta da vedere quanto costa questo approccio gestito. L&#8217;automazione si paga cara? Facciamo il punto sui costi.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">4<\/span>\t<\/div>\t<div id=\"4-selma-frais\">\t\t<h2 class=\"mt0 mb0\">I <strong>Costi<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">I costi di Selma 3a<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p><strong>5<\/strong><strong>0,68% di costi annuali (tutto incluso)<\/strong><\/p>\n\n<p>Ci\u00f2 include:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>0,50% di costi di gestione Selma<\/li>\n\n\n\n<li>~0,18% di costi degli ETF sottostanti<\/li>\n<\/ul>\n\n<p>Nessun costo di:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>deposito o prelievo<\/li>\n\n\n\n<li>trasferimento verso un altro 3a<\/li>\n\n\n\n<li>chiusura conto<\/li>\n<\/ul>\n\n<p><strong>Costi decrescenti<\/strong> se si combina il proprio conto 3a con un portafoglio di investimento Selma.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-comparaison-avec-les-leaders-du-marche\"><strong>Confronto con i leader di mercato<\/strong><\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td colspan=\"2\"><strong>Soluzione<\/strong><\/td><td><strong>Costi totali<\/strong><\/td><td><strong>Flessibilit\u00e0<\/strong><\/td><\/tr><\/thead><tbody><tr><td>Selma<\/td><td colspan=\"2\">0.68 %<\/td><td>Media (5 profili)<\/td><\/tr><tr><td>Finpension<\/td><td colspan=\"2\">0.39 %<\/td><td>Molto alta (full custom)<\/td><\/tr><tr><td>VIAC<\/td><td colspan=\"2\">0.45 %<\/td><td>Media (modelli o custom)<\/td><\/tr><tr><td>Frankly<\/td><td colspan=\"2\">0.49 %<\/td><td>Media (8 strategie)<\/td><\/tr><tr><td>Zak 3a<\/td><td colspan=\"2\">1.25 %<\/td><td>Basso<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-67ee041 svg,#gspb_infoBox-id-gsbp-67ee041 svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-67ee041 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-67ee041 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-67ee041\" id=\"gspb_infoBox-id-gsbp-67ee041\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-a56b303b921271b965ee0609d11c7fbc\">Selma costa un po&#8217; di pi\u00f9, ma include <strong>una gestione automatizzata completa<\/strong>, senza intervento manuale.<\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">5<\/span>\t<\/div>\t<div id=\"5-versements-retraits\">\t\t<h2 class=\"mt0 mb0\"><strong>Versamenti e prelievi<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Versamenti e prelievi<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-versements\">Versamenti<\/h3>\n\n<ul class=\"wp-block-list\">\n<li>Versamento unico o regolare<\/li>\n\n\n\n<li>Configurazione possibile nell&#8217;app<\/li>\n\n\n\n<li>Nessun importo minimo per bonifico dopo l&#8217;apertura<\/li>\n<\/ul>\n\n<p><strong>Massimali di versamento nel<\/strong> <strong>%%currentyear%% <\/strong>:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Dipendenti con LPP<\/strong>: max <strong>7.258 CHF\/anno<\/strong><\/li>\n\n\n\n<li><strong>Indipendenti senza LPP<\/strong>: fino a <strong>36.288 CHF\/anno<\/strong> (20% del reddito netto)<br\/><\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1759087599904\"><strong class=\"schema-faq-question\"><strong>Il trasferimento da un altro 3a \u00e8 gratuito?<\/strong><\/strong> <p class=\"schema-faq-answer\">S\u00ec. Selma si occupa dell&#8217;operazione senza costi.<\/p> <\/div> <\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-retraits\">Prelievi<\/h3>\n\n<p>Conformi alla legislazione svizzera:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Invalidit\u00e0 o decesso<\/li>\n\n\n\n<li>Pensionamento anticipato (max 5 anni prima dell&#8217;et\u00e0 legale)<\/li>\n\n\n\n<li>Acquisto di residenza principale<\/li>\n\n\n\n<li>Partenza definitiva dalla Svizzera<\/li>\n\n\n\n<li>Creazione di un&#8217;impresa<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">6<\/span>\t<\/div>\t<div id=\"6-app-selma\">\t\t<h2 class=\"mt0 mb0\">L&#8217;<strong>app Selma<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">L&#8217;app Selma<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>La gestione del conto 3a avviene direttamente dall&#8217;app Selma (o tramite il portale web):<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Monitoraggio in tempo reale della performance<\/li>\n\n\n\n<li>Ripartizione degli attivi (ETF, azioni, obbligazioni)<\/li>\n\n\n\n<li>Storico dei versamenti<\/li>\n\n\n\n<li>Accesso ai documenti fiscali<\/li>\n<\/ul>\n\n<p>Interfaccia <strong>fluida<\/strong>, <strong>chiara<\/strong>, senza sovraccarichi n\u00e9 gergo.  <\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.notice_type{color:#856404;background-color:#fff3cd;border-color:#ffeeba}.gs-box.notice_type svg{fill:#f7a000}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-903ef80 svg,#gspb_infoBox-id-gsbp-903ef80 svg path{fill:var(u002du002dwpu002du002dpresetu002du002dcoloru002du002dmain,var(u002du002drehub-main-color)) !important;}#gspb_infoBox-id-gsbp-903ef80 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-style:solid;border-width:1px;border-color:#ed4ea385;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}@media (max-width:991.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}@media (max-width:767.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-903ef80 .gs-box{background-color:#f4b6d9;}}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-903ef80\" id=\"gspb_infoBox-id-gsbp-903ef80\"><div class=\"gs-box notice_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 704 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M352 160c-105.88 0-192 86.12-192 192 0 17.68 14.32 32 32 32s32-14.32 32-32c0-70.6 57.44-128 128-128 17.68 0 32-14.32 32-32s-14.32-32-32-32zM192.12 918.34c0 6.3 1.86 12.44 5.36 17.68l49.020 73.68c5.94 8.92 15.94 14.28 26.64 14.28h157.7c10.72 0 20.72-5.36 26.64-14.28l49.020-73.68c3.48-5.24 5.34-11.4 5.36-17.68l0.1-86.36h-319.92l0.080 86.36zM352 0c-204.56 0-352 165.94-352 352 0 88.74 32.9 169.7 87.12 231.56 33.28 37.98 85.48 117.6 104.84 184.32v0.12h96v-0.24c-0.020-9.54-1.44-19.020-4.3-28.14-11.18-35.62-45.64-129.54-124.34-219.34-41.080-46.86-63.040-106.3-63.22-168.28-0.4-147.28 119.34-256 255.9-256 141.16 0 256 114.84 256 256 0 61.94-22.48 121.7-63.3 168.28-78.22 89.22-112.84 182.94-124.2 218.92-2.805 8.545-4.428 18.381-4.44 28.594l-0 0.006v0.2h96v-0.1c19.36-66.74 71.56-146.36 104.84-184.32 54.2-61.88 87.1-142.84 87.1-231.58 0-194.4-157.6-352-352-352z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-secondary-color has-text-color has-link-color wp-elements-0f28895b893d1b6b2b973e852bb7951c\">L&#8217;app Selma raggruppa <strong>tutti gli investimenti<\/strong>, 3a incluso. L&#8217;algoritmo adatta la strategia globale per evitare ridondanze. <\/p>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">7<\/span>\t<\/div>\t<div id=\"7-selma-securite\">\t\t<h2 class=\"mt0 mb0\"><strong>Sicurezza<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">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>Selma 3a si basa su un&#8217; <strong>infrastruttura 100% svizzera e regolamentata<\/strong> :<\/p>\n\n<ul class=\"wp-block-list\">\n<li>In caso di fallimento della banca depositaria, gli averi 3a sono protetti <strong>fino a 100.000 CHF<\/strong>, secondo il quadro legale svizzero di protezione dei depositi.<\/li>\n\n\n\n<li>Gli averi del pilastro 3a sono <strong>depositati a tuo nome<\/strong> presso <strong>VZ Depository Bank<\/strong>, una banca svizzera vigilata.<\/li>\n\n\n\n<li>La soluzione \u00e8 amministrata dalla <strong>fondazione di previdenza VZ Vorsorgestiftung<\/strong>, riconosciuta per la sua specializzazione nella gestione della previdenza.<\/li>\n\n\n\n<li>Selma agisce in qualit\u00e0 di <strong>consulente finanziario indipendente<\/strong>, debitamente registrato presso la <strong>FINMA<\/strong>, l&#8217;autorit\u00e0 federale di vigilanza sui mercati finanziari.<\/li>\n<\/ul>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">8<\/span>\t<\/div>\t<div id=\"8-notre-avis-selma\">\t\t<h2 class=\"mt0 mb0\"><strong>La nostra recensione di Selma 3a<\/strong><\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La nostra recensione di Selma 3a<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<p>Selma propone un&#8217; <strong>offerta 3a chiara, coerente e ben concepita<\/strong>, a met\u00e0 strada tra semplicit\u00e0 e performance.<\/p>\n\n<p>Non \u00e8 <strong>la soluzione pi\u00f9 configurabile n\u00e9 la meno costosa<\/strong>, ma offre:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Un&#8217; <strong>esperienza fluida<\/strong><\/li>\n\n\n\n<li>Una <strong>strategia ottimizzata fin dall&#8217;inizio<\/strong><\/li>\n\n\n\n<li>Un <strong>approccio sostenibile per impostazione predefinita<\/strong><\/li>\n\n\n\n<li>E <strong>un vero allineamento<\/strong> con il resto del proprio portafoglio<\/li>\n<\/ul>\n\n<p>Consigliato se si cerca di <strong>delegare intelligentemente la gestione del proprio pilastro 3a<\/strong>, senza dover diventare esperti di investimento.<\/p>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style>.rh-review-heading{flex-wrap:wrap}.rh-review-heading__position span{line-height:.78}.rh-review-heading__position span:after{content:\".\"}.rh-review-heading__logo{margin-top:10px;width:100%}.rh-review-heading__logo img{width:auto;max-height:60px}.rh-review-heading__logo-container{max-height:60px;max-width:150px}\n@media only screen and (min-width:480px){.rh-review-heading{flex-wrap:nowrap}.rh-review-heading__logo{margin-top:0;width:auto}}\n.rtl .rh-review-heading .rh-review-heading__position{margin-right:0!important;margin-left:15px}<\/style><div class=\"rh-review-heading rh-flex-center-align mb25\">\t<div class=\"rh-review-heading__position mr15 font150\">\t\t<span class=\"fontbold lightgreycolor font250\">9<\/span>\t<\/div>\t<div id=\"9-selma-conclusion\">\t\t<h2 class=\"mt0 mb0\">In sintesi \u2013 Selma 3a in un colpo d&#8217;occhio<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">Conclusione &#8211; Selma 3a in sintesi<\/div>\t<\/div><\/div><style><\/style><style><\/style>\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"on-recommande-viac-si\">\u2705 Punti di forza<\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Punto di forza<\/strong><\/td><td><strong>Perch\u00e9 \u00e8 un vero vantaggio<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Elevata esposizione alle azioni (fino al 97%)<\/strong><\/td><td>Permette di puntare a una performance a lungo termine vicina a quella delle soluzioni pi\u00f9 aggressive del mercato (come Finpension o VIAC).<\/td><\/tr><tr><td><strong>Gestione automatizzata e personalizzata<\/strong><\/td><td>Non \u00e8 necessario gestire autonomamente le allocazioni: Selma propone un piano adatto alla propria situazione e lo adatta automaticamente in base all&#8217;evoluzione del proprio profilo.<\/td><\/tr><tr><td><strong>Fondi sostenibili per impostazione predefinita<\/strong><\/td><td>Non \u00e8 necessario attivare un&#8217;opzione ESG: la selezione di ETF rispetta gi\u00e0 criteri ambientali e sociali di base, senza sacrificare la performance.<\/td><\/tr><tr><td><strong>Buona integrazione con l&#8217;ecosistema Selma<\/strong><\/td><td>Se si utilizza anche Selma per investire, l&#8217;intero portafoglio (3a + conto libero) \u00e8 gestito in modo coerente, con una strategia globale armonizzata.<\/td><\/tr><tr><td><strong>Interfaccia chiara e accessibile<\/strong><\/td><td>L&#8217;app permette di monitorare tutto in tempo reale: performance, allocazioni, versamenti\u2026 Anche senza esperienza in finanza, ci si orienta facilmente.<\/td><\/tr><tr><td><strong>Trasferimento semplificato da un altro 3a<\/strong><\/td><td>Selma si occupa gratuitamente della procedura di trasferimento, senza attriti n\u00e9 eccessiva burocrazia.<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"h-points-faibles\">\u274c Punti deboli<\/h3>\n\n<figure class=\"wp-block-table\"><table><thead><tr><td><strong>Punto debole<\/strong><\/td><td><strong>Perch\u00e9 pu\u00f2 frenare alcuni utenti<\/strong><\/td><\/tr><\/thead><tbody><tr><td><strong>Costi annuali elevati (0,68%)<\/strong><\/td><td>\u00c8 superiore alle soluzioni meno costose come Finpension (0,39%) o VIAC (0,45%), il che incide sulla performance netta a lungo termine.<\/td><\/tr><tr><td><strong>Nessuna personalizzazione degli ETF<\/strong><\/td><td>Non \u00e8 possibile scegliere autonomamente i propri fondi n\u00e9 regolare la ponderazione<\/td><\/tr><tr><td><strong>Nessun portafoglio svizzero o tematico<\/strong><\/td><td>A differenza di altri fornitori, Selma non propone n\u00e9 strategie 100% svizzere, n\u00e9 fondi settoriali o impegnati (es. clima, tech).<\/td><\/tr><tr><td><strong>Soglia d&#8217;ingresso di 500 CHF<\/strong><\/td><td>\u00c8 necessario disporre di questo importo per iniziare, mentre altre soluzioni accettano importi inferiori, o addirittura nessun minimo.<\/td><\/tr><tr><td><strong>Scelta limitata a 5 profili<\/strong><\/td><td>Anche se \u00e8 pi\u00f9 semplice per molti, coloro che desiderano un controllo totale o opzioni su misura rischiano di trovare l&#8217;offerta troppo rigida.<\/td><\/tr><\/tbody><\/table><\/figure>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<style><\/style><style><\/style><style>.gs-box{padding:20px;border-left:5px solid transparent;margin-bottom:25px}.gs-box-text > p{margin-bottom:20px;margin-top:0}.gs-box-text > p:last-of-type{margin-bottom:0}.gs-box.infolight_type{color:#155724;border:2px solid #c3e6cb;border-radius:12px}.gs-box.infolight_type svg{fill:#8bc799}.gs-box.icon_type{display:flex}.gs-box.icon_type .gs-box-icon{width:28px;min-width:28px}.gs-box.icon_type .gs-box-text{flex-grow:1;margin:0 15px}@media (max-width:575.98px){#gspb_infoBox-id-gsbp-a398ec1 .gs-box{margin-right:-5px;margin-left:-5px;padding-right:5px;padding-left:10px;}}#gspb_infoBox-id-gsbp-a398ec1 svg,#gspb_infoBox-id-gsbp-a398ec1 svg path{fill:var(--wp--preset--color--vivid-green,#00d084) !important;}#gspb_infoBox-id-gsbp-a398ec1 svg{margin:0px !important;}#gspb_infoBox-id-gsbp-a398ec1 svg:hover,#gspb_infoBox-id-gsbp-a398ec1 svg:hover path{fill:var(--wp--preset--color--buttonmain,var(--rehub-main-btn-bg)) !important;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-width:1px;border-color:#7cf7ca;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{border-left-style:solid;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{background-color:#b3ffe347;}#gspb_infoBox-id-gsbp-a398ec1 .gs-box{color:#ffffff}<\/style>\n<div class=\"wp-block-greenshift-blocks-infobox gspb_infoBox gspb_infoBox-id-gsbp-a398ec1\" id=\"gspb_infoBox-id-gsbp-a398ec1\"><div class=\"gs-box infolight_type icon_type\"><div class=\"gs-box-icon\"><svg class=\"\" style=\"display:inline-block;vertical-align:middle\" width=\"32\" height=\"32\" viewBox=\"0 0 768 1024\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path style=\"fill:#565D66\" d=\"M613 373.2l-11.4-85.2h54.4c26.4 0 48-21.6 48-48v-192c0-26.4-21.6-48-48-48h-544c-26.4 0-48 21.6-48 48v192c0 26.4 21.6 48 48 48h54.4l-11.4 85.2c-95.8 65.6-155 168.2-155 282.8 0 26.4 21.6 48 48 48h288v208c0 1.8 0.2 3.4 0.8 5l32 96c4.8 14.6 25.6 14.6 30.4 0l32-96c0.6-1.6 0.8-3.4 0.8-5v-208h288c26.4 0 48-21.6 48-48 0-114.6-59.2-217.2-155-282.8zM101 608c16.6-77 71.2-140 143-175.6l32-240.4h-116v-96h448v96h-116l32 240.4c71.6 35.6 126.4 98.8 143 175.6z\"><\/path><\/svg><\/div><div class=\"gs-box-text\">\n<p class=\"has-vivid-green-color has-text-color has-link-color wp-elements-84218bbf24ea10773be7f59a3f93be08\" style=\"font-size:22px\"><strong>Codice Promo Selma<\/strong><\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<style>#gspb_image-id-gsbp-2086724{text-align:left;}#gspb_image-id-gsbp-2086724 img{vertical-align:top;}#gspb_image-id-gsbp-2086724 img{display:inline-block;box-sizing:border-box;max-width:100%;height:auto;}#gspb_image-id-gsbp-2086724 img{border-top-left-radius:50%;border-top-right-radius:50%;border-bottom-right-radius:50%;border-bottom-left-radius:50%;}<\/style>\n<div class=\"wp-block-greenshift-blocks-image gspb_image gspb_image-id-gsbp-2086724 is-style-rounded\" id=\"gspb_image-id-gsbp-2086724\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/heyneo.ch\/wp-content\/uploads\/2025\/03\/Selma-logo-1.png\" data-src=\"\" alt=\"Logo Selma\" 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 promo <strong><mark style=\"background-color:#abb8c3\" class=\"has-inline-color\">NEOSEL<\/mark><\/strong> per <strong>ricevere CHF 34<\/strong> di bonus.<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:\/\/www.cler.ch\/fr\/info\/zak\/backup\" target=\"_blank\" rel=\"noopener\"><span class=\"gspb-buttonbox-textwrap\"><span class=\"gspb-buttonbox-text\"><span class=\"gspb-buttonbox-title\"><strong>Ricevi 34 CHF<\/strong><\/span><\/span><\/span><\/a><\/div>\n<\/div><\/div><\/div>\n<style><\/style><style><\/style>\n<div style=\"height:40px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n<h3 class=\"wp-block-heading\" id=\"a-lire-aussi\">Da leggere anche<\/h3>\n\n<ul class=\"wp-block-list\">\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-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-frankly-pilastro-3a\/\">Recensioni e test del 3\u00b0 pilastro VIAC<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/heyneo.ch\/#pilier3a\" type=\"link\" id=\"https:\/\/heyneo.ch\/#pilier3a\">I migliori conti del terzo 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 Selma 3a per la tua previdenza?<\/h2>\t\t<div class=\"mt5 lineheight20 greycolor\">La tua opinione su Selma 3a<\/div>\t<\/div><\/div>\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>L&#8217;app Selma ha facilitato l&#8217;apertura del conto?<\/li>\n\n\n\n<li>Qual \u00e8 la funzionalit\u00e0 che vorresti migliorare?<\/li>\n\n\n\n<li>Selma pilastro 3a \u00e8 sufficientemente ottimizzata 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>Selma 3a automatizza il tuo 3\u00b0 pilastro con una strategia di investimento personalizzata e gestita da algoritmo, ideale per chi vuole ottimizzare il proprio rendimento a lungo termine senza gestire il proprio portafoglio. Apri il tuo conto con il codice promozionale <strong>NEOSEL<\/strong> per guadagnare <strong>34 CHF<\/strong>. <\/p>\n","protected":false},"author":1,"featured_media":24737,"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-24732","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 di Selma 3a \u2013 Tutto quello che c&#039;\u00e8 da sapere nel 2026<\/title>\n<meta name=\"description\" content=\"Il conto del 3\u00b0 pilastro di Selma sotto ogni aspetto: costi, sicurezza, versamenti, strategia di investimento. 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