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Investing with a digital financial advisor
The best of both worlds: set everything up online & have experts help you get it done right
Get a long-term plan
Selma shows you how and how much to invest.
Talk to experts
Would you like to consult humans? Reach out anytime.
Deposit money
Selma manages your assets for you and keeps an eye on markets.
Lean back
Selma makes sure to prompt you when changes need to be made.
Technology + personal advice = 🌟
Selma combines the best of two worlds. Behind Selma, there is a team of financial experts ready to help with anything from questions about a complex inheritance cash situation to questions about a certain investment recommendation.
How it works
Get advice on how to invest
Get your planChat with Selma and brief her about your financial situation and risk mindset. Based on a smart algorithm, Selma puts together a personal plan on how much to invest, how to include pillar 3a, and chooses your strategy to make sure your financial future is set up for success.
Once you're a client, Selma automatically checks in with more tips on optimizing your finances.
Invest in a well-diversified portfolio
At Selma, your portfolio includes different asset classes: depending on your financial situation it includes stocks, bonds, private equity, real estate, and precious metals.
Selma uses ETFs (Exchange Traded Funds) to assemble your portfolio. These allow you to spread your risk globally while keeping costs low.
Let Selma take over and manage your assets
Once you deposit your initial sum, Selma immediately buys the products in your plan.
Changes in your financial life, or a value change of your portfolio (due to market shifts or bigger deposits/withdrawals) trigger Selma to check if the portfolio needs to be rebalanced – always to keep in line with your set strategy.
On a quarterly basis, Selma looks at over and undervaluations of markets and adjusts your portfolio to market changes. All rebalancings are always based on data!
Strategy & asset management at Selma
In order to create your individual investment plan Selma takes a close look at your overall financial situation. First, Selma analyses your current financial situation such as your income, real estate ownership, debt, and existing investments. Second, Selma looks at your savings, future cash needs, and if you're currently in your major earnings years, nearing pension, or have entered retirement. Third, Selma uses all of these data points to decide how risky your investments are allowed to be. Beyond your ability to take risks, Selma evaluates how comfortable you are in dealing with losses. And finally, Selma keeps tabs on how money is distributed across the globe – market capitalizations – and when choosing products for you, she makes sure that your strategy is in line with how money is valued around the world.
How does a typical portfolio at Selma look like?
When does Selma adjust my investments?
What's rebalancing at Selma?
How do over and undervaluations work? Why does Selma use this risk management measure?
What role do precious metals play in my portfolio?
What about tips and advice as a client?
Are you interested in details about how Selma manages your money? Look no further or reach to our team of experts.
Reviews from our clients
More than 300 reviews on Google
Sara João
Low fees, good performance
Thomas Maret
Great way of investing your money if you do not have so much knowledge. Furthermore the investment strategy is quite diversified, and the platform is user friendly. Highly recommend.
Chris L
Great value for money. Transparent and easy to handle.
Claire Houston
A really accessible method of investing for those who know they should do something with their money, but aren't sure where to start. Informative, transparent and responsive service.
Edouard T.
Awesome service and product, recommend!
Christos Porios
Selma is a great investment platform that performs well, is easy to understand and has phenomenal customer support.
Silvan Krähenbühl
Fantastic team, fast support team and outstanding product. This is personal finance 2.0!
Hugo Silvestre
Couldn’t possibly give less than 5*. Incredible and easy way to invest and terrific support. Well done, guys!
Fabienne Lorenz
Incredibly easy and fun way to invest money. Website is well-designed and user-friendly and their customer support competent and friendly. Keep up the good work!
Christina Willner
Awesome service and awesome team. They really care about making an outstanding product and have succeeded in that. I have recommended Selma to many of my friends and family and everyone is very impressed.
Watch a 40 min Selma explainer
Watch videoRather the listening kind of person? Watch our 40 minutes video with Selma's financial experts and learn everything about Selma's strategy, costs, and the team behind your digital advisor.
Is Selma the right service for me?
Selma makes smart investing accessible for everyone.
You want to invest long-term
Selma's motto is "Get rich slow". With Selma you can make sure to have a financially secure future. If you are looking into gaining instant profits by gambling with stocks Selma is not the right choice.
You'd like to get everything done online
No problem, you start with a chat with Selma, open your account with Selma's partner bank online and can get started in no time. If you want to directly talk to an expert, you can book a call online and reach out via chat.
You'd like to have access to personal advice
Selma keeps tabs on your financial situation. Based on the information you enter in your investor profile you get tips and advice in the app, and Selma's experts are always available for a chat or call if needed.
You want to save on fees
The more you invest at Selma the more you save. Selma makes sure to keep costs transparent and charges one simple fee on a monthly basis.
You don't want to mange your investments by yourself
If you would like to buy and manage your investments yourself, and decide on what and when to trade, Selma is not the right service for you. If you prefer to hand over the tasks of managing your investments, then Selma is the perfect partner.
Selma makes wealth management accessible to everyone.
Peter