In the first few weeks of November, global markets recovered strongly after a negative October. 

Selma gives an insight into the latest market developments

Recovery and a positive end of year?

Investing often feels like walking through a maze. Market fluctuations, geopolitical tensions, and economic indicators can be overwhelming. But despite all the noise, one truth remains constant: the best time to start investing is now. Let's dive into why this is the case.

Is now a good time to invest? In this article you will learn more about the risks of market timing and find out why today is a great time to start investing.

Is now a good time to invest?

In Switzerland, we are offered exciting opportunities to save taxes, which you should definitely take advantage of. If you optimise your annual taxes, you can save a lot of money in the long run. Just remember: "The difference between tax optimisation and tax avoidance is the thickness of a prison wall" - Dennis Healey.

Save taxes in Switzerland in the long term with our tips. Eric, certified wealth advisor, shares his knowledge about Pillar 3a and other regional tax benefits.

Simple guide to save taxes in Switzerland

We've got some exciting news about Selma’s pricing tiers. Selma is introducing a new pricing tier of 0.42% for investments of over 500’000 CHF.

Introducing: new pricing tier for all accounts above 500’000 CHF!

The ongoing conflict between Israel and Hamas is a humanitarian catastrophe. Our thoughts are with all affected by the ongoing conflict and we hope for a quick and peaceful resolution. 

The ongoing conflict between Israel and Hamas is a humanitarian catastrophe that also impacts the markets. Read more about how the war impacts your investments.

Market Update: Israel & Hamas war – What is the impact on your investments? 

Welcome back to the concluding part of our deep dive into Selma’s investment approach. Both articles provide you with a detailed overview of how Selma creates and manages your individual investment portfolio. 

Selma’s Investment Strategy: Part 2 - How your portfolio is managed by Selma 

Welcome to our two-part series that dives deep into the heart of Selma's investment approach. Within two articles you will get to know everything crucial about how Selma creates and manages your individual investment portfolio.

Welcome to our two-part series that dives deep into the heart of Selma's investment approach. These two articles will provide you with everything you need to know about how Selma creates and manages your individual investment portfolio.

Selma’s Investment Strategy: Part 1 - Investment Philosophy & Portfolio Creation

Interest rates, inflation, Ukraine ... the past years were not easy for investors all around the globe. Join us as we dive into the world of investing and learn more about investment strategy and performance. 

Join Selma's webinar with financial experts discussing our investment philosophy, portfolio creation, and past performance. Learn to interpret investment results and stay updated on market trends. 🚀

Webinar: Strategy, Performance & Market Update

Bull markets tend to outlast bear markets by a factor of four. But what are bull and bear markets?

What are bull markets and bear markets? Discover all you need to know about bull and bear markets, including their distinctions and typical durations.

The bull vs. bears markets ratio

Every long-term investor sets out on a unique journey with a shared destination in mind: achieving a good return. Yet, the journey to that destination isn't a straight, consistent line. It's filled with ups and downs, moments and uncertainty, and opportunities for growth. 

Learn how to evaluate your investments the right way. Our guide covers risk, long-term planning, and understanding market changes. Find out the 6 main things every investor should watch to get a clear view of their investment's performance.

Decoding investment performance: 5 tips every investor should keep in mind

Remember the days when investing meant donning your best suit, walking into a grand banking hall, and having a chat over a cup of coffee with Mr. Müller, your bank advisor? You might not – but your parents will definitely. 

Discover how AI and cutting-edge algorithms are revolutionizing investing in Switzerland. Step into the future of Swiss finance and its digital transformation.

AI, algorithm, and investments: The future of investing in Switzerland

Congratulations on taking the first step on your investment journey. ETFs, shares, funds - Investing in Switzerland can seem like a maze with all its financial terms, especially for first-time investors. With these 14 tips in mind, you can start investing in Switzerland with confidence.

14 essential tips for investing in Switzerland. A guide for beginners to seasoned investors. Start confidently in the Swiss market. 🇨🇭💰🏔️

14 tips to start investing in Switzerland

Selma, your reliable financial advisor, presents the latest market insights. While uncertainties remain, underlying trends point to a gradual return to a more normal financial environment.

Selma, your reliable financial advisor, presents the latest market insights.

Optimism in the face of uncertainty

In today's fast-paced financial world, the term "ETF" has become synonymous with smart investing, especially in Switzerland. But what exactly is an ETF, and why is it becoming an essential part of a savvy investor's savings plan? Let's dive in.

Discover the world of ETFs in Switzerland: advantages, disadvantages, expected returns, and how you can obtain a customised ETF savings plan with Selma Finance. Your guide to smart investing.🇨🇭

ETF savings plan: Everything you need to know

Receiving an inheritance often brings a mix of emotions. While the financial boost can offer new opportunities and security, it's also connected to the memory of a loved one. Balancing these feelings and making informed financial decisions can be a journey in itself. 

Comprehensive guide on inheriting money in Switzerland. Navigate taxes, invest wisely with Selma Finance, and optimize inherited assets

Inherited money in Switzerland: A step-by-step guide what to do next

A lot has been talked about how much to invest, but how much should remain in cash? This question is just as important.

When discussing financial planning, the focus often shifts to investments. However, determining the optimal cash reserve is equally crucial. Let's delve into understanding the right balance.

How much cash should I hold?

Spreading your money across different investments within a portfolio is called diversification. In this article, you learn about all the benefits of diversification.

The benefit of diversification is simple – you sleep better. Get to know how ETFs can help you spread your investmens and reduce your risk.

The benefits of diversification: Using ETFs to spread your investments

It has been a while since the launch of the Selma mobile app on Android and iOS. The app gets improved constantly to make checking your finances “on the go” easier than ever before. Let’s shine a light on what the Selma app is all about. 

The Selma mobile app can be your best friend. Figure out everything you need to know and why you don’t want to miss the Selma app on your phone.

Selma in your pocket: Your finances whenever, wherever you want

In this article, you will learn what dividends are and what you should consider when investing into funds that pay dividends.

Find out what dividends are and what you should consider when investing into funds that pay dividends.

Dividends: Everything you need to know

It’s a wrap! More than 550 investors have invested in Selma. The majority of these investors are Selma clients who want to take an active shareholder role in the company. We’re recapping the successful campaign in which we raised 30% more than planned!

More than 550 community members joined Selma's crowdinvesting campaign and are now shareholders of the company!

Selma raised +1.3 Million EUR from its community in a crowdinvesting campaign 🥳

Some life situations require an adjustment of your portfolio and strategy. Here you get to know all the bits and pieces around the topic of "why adjustments are needed to an investment strategy."  

Get to know why adjustments to your strategy are needed from time to time

Why are adjustments to my strategy needed?

Many of you have questions about everything that revolves around the Selma crowdinvesting campaign. A lot of questions have reached us during the webinar, via mail or chat – and here are the answers. 

Find all the answers to your questions around the Selma crowdinvesting campaign here.

Crowdinvesting: You asked & we answer 

Selma – your friendly bot who never gets tired shares the latest financial market insights.

Market update: Buy in May… and in every other month

The Selma crowdinvesting campaign is under way. To give you all the information you need, and insights on what this means, why it’s even happening and an opportunity to ask questions – Patrik and Kevin, two of Selma’s founders will talk about everything crowdinvesting.  

The Selma crowdinvesting campaign is under way. To learn everything you need and want to know Patrik and Kevin, two of Selma’s founders will host a live webinar.

Webinar - Selma talks crowdinvesting 

Dislcaimer: Do not invest unless you're prepared to lose all the money you invested. 

Rumour has it you can become a Selma shareholder

Crowdinvesting is here!

Ready to save some cash with Selma? Hidden fees and complex pricing make it complicated to see what one can save when looking at different money saving options. 

Here is a cost comparison between Selma and a Swiss bank and the result will definitely blow your mind.

Why Selma is three times cheaper than your average Swiss bank

Everybody deserves a tailored solution for one's investments – even so without getting one's hands dirty. A standard robo-advisor probably asks you how much risk you like, lets you choose between a handful of ready-made strategies, and then lets your portfolio run like this forever. Most likely this is not what you have in mind. 

A holistic view on your finances can make a big difference when it comes to how one should invest. Find out why.

Why do I need a tailored investment solution?

The banking world has proven to be quite a spectacle in recent weeks: the bankruptcy of Silicon Valley Bank, and a very “Suisse” drama playing out. We’ve collected questions from you, to help you navigate recent developments.

The banking world shows itself from its spectacular side. Here you find everything you need to know to navigate through the recent developments.

Credit Suisse, Financial Markets and other interesting facts 

In the realm of financial service providers, Selma is a digital financial advisor. To give you the best overview of your investment options and what the differences are, we are launching this mini-series where Selma is entering the ring with banks, private bankers, DIY solutions, and robo-advisors. 🥊

Compare Selma and Robo-Advisors: Learn how Selma offers personalised investment advice to help you make smarter financial choices. 🥊🛎

Selma vs. robo-advisor – Episode #4

On Friday, March 10th, the Silicon Valley Bank (SVB) from San Francisco, USA, went bankrupt. Find out what this actually means and if it affects your Selma investments. 

Selma gets a read on recent market developments.

Update on financial markets

Selma – your friendly and hardworking bot has again crunched some numbers to show you the powers of steady investing

Market update: Are we there yet?

In this video you will learn everything you need to know about Selma Finance. Our financial experts, Daniel and Thomas, will explain in detail how your investment plan is created and how you investments are managed over time.

Selmas financial experts will explain Selma in details.

Investing with Selma Finance | Everything you need to know

Episode 3 of this mini series includes a face-off between Selma and private bankers

Selma vs. private banker – Episode #3 

Everyone likes cash. It gives us a feeling of security. When it’s sitting in your bank account, you feel much more relaxed. Life can now throw its occasional obstacles in front of your feet. 

Everyone likes cash. It gives us a feeling of security. But there can also be too much of a good thing.

Why holding too much cash is a bad thing

In the next match, Selma faces off with DIY investing solutions.

Selma vs. DIY investment solutions – Episode #2 

ETFs? Bonds? Who the hell is Dirk Müller? And why are people always talking about markets? If you're lost with all these “financial lingo” terms you came to the right place. In this compact dictionary you find short and sweet explanations to all financial jargon you can find out there. 

Your short and sweet explanations to all the weird financial terms out there in the wild

Financial lingo dictionary

In this unusual boxing match you learn more about the differences between banks and the digital finance assistant Selma.

Selma vs. Bank - Episode #1 

Are you wondering how your favorite financial advisor fared in 2022? Read about last year's accomplishments and uncover updates you might have missed! Let's start with some numbers and dive into the team, funding, and product updates together.

Are you wondering how your favorite financial advisor fared in 2022? Read about last year's accomplishments and uncover updates you might have missed!

It’s a wrap: Selma in 2022

Selma – your friendly bot who follows financial markets 24/7 – looks back at the year 2022 and draws some interesting conclusions.  

Selma looks back at the year 2022 and comes to some interesting conclusions.

Lessons from a difficult year

As Selma continues to grow as one of the Swiss’ favorite digital financial advisors, it’s important to us that we keep on offering easily accessible financial advice to everyone. About one-quarter of all Swiss residents live in the French-speaking Romandy – reason enough for Selma to learn a new language. Starting today, you can use Selma in French!

Do you speak French? Use Selma in French and feel comfortable investing in your mother tongue!

Salut! Selma speaks French

The goal of investing monthly is to reduce your risk over time. In order to benefit from cheaper prices you need to keep investing also when markets go down.

Monthly investing can be your best friend. Here you can find out why.

Why to invest monthly

Thinking about one's financial future and what life could look like after retirement is definitely not everyone’s cup of tea. Anyhow, pillar 3a has become sort of a must when it comes to retirement plans. Pillar 3a not only helps you to enjoy life after retirement, but is also a good way to save taxes. 💰

Discover the 5 most important things you should know about Pillar 3a in Switzerland in 2023. From tax benefits to investment strategies, we cover everything to optimise your retirement planning.

Pillar 3a 2023 – 5 things you need to know

Selma – your friendly bot 🤖 who has statistics for breakfast – wants to put your fear of investment risks into context.

How risky is investing?

Ever wondered what Selma is all about? Good news - Patrik Schär, CEO of Selma Finance, answers the 8 most important questions about everything you need to know about Selma in (almost) 3 minutes. 

Patrik Schär, CEO of Selma Finance, answers the 8 most important questions in (almost) 3 minutes.

Everything you need to know about Selma

Winter is approaching and it is time to look back. 2022 has been a rough year for many people all over the world and the same for the financial markets. What does the future hold and should we be worried? Or are times like these actually an opportunity? 

What does the future hold for the financial market? Daniel and Thomas are answering your most burning questions in this video

Market Update October 22

Corona, Ukraine, Energy crisis - 2022 was and still is a very difficult year for many people all around the globe and also for the financial market. But is now actually a good time to start investing? 

Corona, Ukraine, Energy crisis. 2022 isn't a great year to start investing - or is it?

Crisis as a chance - Is now a good time to start investing?

Selma, your friendly bot, thinks that cool heads will prevail in the current difficult market environment. 

Selma, your friendly bot, thinks that cool heads will prevail in the current difficult market environment. Read here why this is so.

Market update: Don’t fear the winter

Probably, you expected bonds to compensate losses on company stocks. But inflation has made both suffer at the same time. Here you get to know why this is (by far) not the end of successful investing, and why gold has actually done a very good job of protecting your portfolio.

You are currently not a big fan of your portfolio because bonds and company stocks are not having a good time? Here you get to know why this is (by far) not the end of successful investing.

Who is afraid of inflation?

Selma has ramped up its Series A investment round. The additional CHF 7 million funding has been led by TX Ventures, the VC investment arm of TX Group. It also included significant investments by Sparrow Ventures, VC arm of Migros Group, as well as existing early investors from angel and seed rounds. This investment round shows that Selma Finance has flourished under challenging times and is presenting a valuable business case for Switzerland’s and Europe’s banking sectors. 

Selma has ramped up its Series A investment round. The additional CHF 7 million funding has been led by TX Ventures, the VC investment arm of TX Group.

Selma closes extended Series A funding round

All finance is complicated and boring? It doesn’t have to be - with the new Selma learning platform. With the new, fresh look, a lot of articles, tips and tricks you’ll definitely have fun learning about everything there is around finance. No need to ponder over weird terms and feeling like all finance topics require a finance degree. 🎓

All finance is complicated and boring? It doesn't have to be - with the new and fresh Selma blog.

The new Selma learning platform is here! 🥳 🎉 

Selma – your friendly, but dauntless and determined bot – has found that markets actually look more attractive again and sent a signal that part of your investments should be switched out of precious metals and into international companies.

Your friendly, but dauntless and determined bot – has found that markets actually look more attractive again and is switching parts of your investments.

Market update: Keep calm and carry on (investing)

Find out why compound returns marks your dog's birthday as a perfectly fine day to start investing. Given your dog's birthday is today.

Any day is a great day to start investing. Thanks to compound returns!

Investment time & compound return

Do you want to know more about how Selma’s algorithm managed your investment during the last quarter? Hear more about the special qualities of Selma’s algorithm in times of a crisis and learn how much Selma is investing in Russia. Further, the sustainability strategy got an update!

Check out our Market update for the first quarter in 2022

Market update: A challenging first quarter 2022

Russian attacks on Ukraine have brought new uncertain times. Selma team condemns the attack and stands with everyone affected by the war.

Uncertain times cause nervousness on markets – that’s unfortunately normal. Learn what this means for you and which actions to take to get the most out of your investments.

War in Ukraine: Should I be worried about my investments?

Once a year, everyone is facing the often dreaded taxes. Below find the most important facts and tips on how to conquer tax season. 💪

Find the most important facts and tips on how to conquer tax season. 💪

Tax season ≠ happy season

Growing your own money tree just didn’t work out and you are ready to make your money work for you? Here you find everything you need to know to become the best investor possible.

Discover essential investing tips for Switzerland and become a savvy investor.

The Top 3 Investing Tips for Switzerland

2021 certainly had its ups and downs - join us for a little behind the scene at Selma summary.

Selma's 2021 in a nutshell

The financial industry is famous for its complex pricing and hidden fees. This practical price example gives you clarity.

How does Selma's price differs from the complicated fees of a classical bank. We got curious and took a close look.

Cost comparison: Selma vs. Swiss Bank 🇨🇭

Covid, inflation, market recoveries around the world, and the top principles! Let's dive into the last market update of 2021!

Last but not least our final market update 2021!

Market update: Learnings from 2021

In one of our recent blog articles we talked about why you should invest. You are maybe now at the point where you agree investing makes sense and you would like to try it but - how the #@&%*! do you make the best out of it? We assembled some tips and things you should keep in mind before you invest. 

We assembled some tips and things you should keep in mind before you invest. 

Start setting up your money for success

The thought of investing can be frustrating - it is complicated, complex and let’s be honest we all like to postpone this topic to a ‘better suitable time’. BUT your Investment can become your new best friend and you are just about to find out why.

Why is it smarter to invest than have money on a savings account? How does the inflation work? Find all answers here

Investing and why you should do it

Prefer to check your investments on the go? The Selma app has arrived. Celebrate the launch of the first Selma app with us!

Prefer to check your investments on the go? The Selma app has arrived.

The Selma app is here!

What influenced markets in the first half of 2021? How should you invest according to Selma? And what happened with crypto currencies?

Market update: corona, crypto and inflation

In this blog post, we're focusing entirely on the topic of 'Sustainable Investing in Switzerland.' Why? Because the term 'sustainability' is often misunderstood or vaguely defined in the financial world. What exactly does it mean to invest sustainably? What options are available to you in Switzerland? You'll find out everything you need to know right here.

Discover how you can invest sustainably in Switzerland. Compare individual stocks, Robo-Advisors, and ETFs (SRI, ESG). Find out how you can start investing in sustainable companies today.

Sustainable investing in Switzerland: A starter guide

2020 will forever be remembered as the year the COVID19 crisis started - which in itself is a very good reason to turn the pages and try to forget 2020 as fast as possible, but behold – read this blog post to find out what you can learn from it.

2020 the year the COVID19 crisis started - read this blog post to find out what you can learn from it.

Market update: 2020, what a year!

Celebrating Selma’s investment round of 3.5 Mio CHF 🎉

Are you thinking about starting to invest now? Find out what you should be aware of, understand the risk and learn about the top tips to get started

How to start investing during turbulent times

Investing is simple, right? Buy at low prices and sell at high prices? If only it were that straightforward! 

Are you unsure about when you should start investing? In this article, we explain exactly why today is an optimal day to invest your money for the long term.

When is the best time to invest?

2023 Starter Guide: Dive into investing in Switzerland. Learn ideal investment amounts, explore diverse financial products, and kickstart your long-term investment journey.

Find out everything there is about investing in Switzerland. Learn how much you should invest, get insights in different investment products and get started.

Investing in Switzerland: How to get started

Is a 28-year-old marketing consultant supposed to invest her money the same way as a 55-year-old university professor? 🤔

Every life situation is different - and your investment plan should consider this.

How does Selma decide on my optimal investment plan?

We asked our client Dominik about his views on Selma and his experiences with investing in the past. 💸

"I couldn't find a catch at Selma"

It's easy to say that keeping cash in a Swiss bank account is safe, but at what cost? The interest rates are almost non-existing, but at least you are left with what you had. Right?

Keeping your money on a bank account is safe, but what does it cost you in the end?