Many pensioners in Switzerland face an income gap when their AHV and pension payments don’t fully cover their monthly expenses. So, how can you bridge a CHF 2'000– 5'000 shortfall without running out of money? From smart pension withdrawals to strategic investing, here’s how to secure long-term financial stability in retirement.

Not sure how to cover your income gap in retirement? Learn strategies for bridging the CHF 2'000–5'000 shortfall — without the unnecessary risk.

How to cover an income gap in retirement in Switzerland

How much cash should you keep in retirement in Switzerland? And how much should you invest to make your money last? These are key questions many pensioners and “pensioners to be” are facing. Holding too much cash might mean you’re missing out on growth, while investing too much can leave you vulnerable to market swings.

Cash or investments – what’s the right balance in retirement? Managing your money wisely in retirement is key to making it last. Learn how to find the right mix between keeping cash for security and investing for long-term stability.

Cash buffer vs. Investments: Finding the right balance in retirement in Switzerland

Ever wondered if your investment strategy is really working? If your portfolio is diversified, the answer is yes. 2025 has kicked off with strong market momentum, and investors with a well-diversified portfolio are seeing the benefits. 

Ever wondered if your investment strategy is really working? If your portfolio is diversified, the answer is yes.

A strong start into 2025: Diversification is paying off

Selma now lets you customise your portfolio to focus more on Swiss companies and real estate by allocating more of your investments to Swiss assets. The Swiss bias aims to invest a target of 50% in Swiss companies and switches all your real estate investments into Swiss real estate. 

Selma now lets you customise your portfolio to focus more on Swiss companies and real estate by allocating more of your investments to Swiss assets.

Introducing Swiss bias: Customise your Selma portfolio with more Swiss investments

Retirement should be your time for enjoyment – without stress and without worrying about your finances and how long you will be able to get by on your capital.

Preparing for retirement often raises important questions: What is the best strategy? How should you invest your money? How can you obtain your funds in such a way that they last a lifetime? We answer your questions here.

Investing your retirement savings - A guide

As 2024 draws to a close, we want to reflect on the past years and the valuable lessons they’ve offered for your investment journey. 

What the markets taught us: Lessons for investors

Diversification is the key to a resilient investment portfolio. But how could you further diversify it? We reached out to Dr. Aurelio Perucca, co-founder & CEO at Splint Invest, Swiss platform for investing in art, luxury goods and collectibles, and asked why he thinks such alternative assets can provide investors with a new avenue for diversification.

Alternative investments like art, collectibles, and luxury goods offer portfolio diversification beyond stocks and bonds.

Alternative investments: how art & collectibles can be part of a well-diversified portfolio

After a turbulent summer, autumn brings growth to global financial markets. Learn how the markets influence different parts of your portfolio and how Selma deals with potential long-term risks.

After a turbulent summer, autumn brings growth to global financial markets.

Quarterly market update: December 2024

Budget check, pillar 3a, and planning ahead for winter expenses. Let's not only look at tasty autumn flavors but also at your finances.

Forget Pumpkin Spice Latte, it's pillar 3a season

Don't invest unless you're prepared to lose all the money you invest. This is a high risk investment and you are unlikely to be protected if something goes wrong. 

Here is your overview about everything you need to know about Selma’s 2nd round of crowdinvesting

Selma's 2nd Crowdinvesting is closing soon! 

Don't invest unless you're prepared to lose all the money you invest. This is a high risk investment and you are unlikely to be protected if something goes wrong.

Find all your questions to the Selma crowdinvesting round answered in our blog post

Frequently asked questions - Selma Crowdinvesting edition

In today's fast-paced world, managing finances can be daunting, especially when you're trying to balance life goals, savings, and investments. What if you had a financial advisor available 24/7, offering personalised advice tailored to your unique financial situation? Learn how Selma AI, Switzerland’s first AI-powered financial advisor, is designed to make financial planning and management accessible, personalised, and efficient for everyone.

In today's fast-paced world, managing finances can be daunting, especially when you're trying to balance life goals, savings, and investments. Discover how Selma AI can guide you and help you achieve your financial goals.

How Selma AI Can Help You Get the Most Out of Your Finances

This year's stock market summer will go down as one of the most turbulent seasons in financial history. In this market update you will find out how market movements impacted different investments and what adjustments Selma will make – if necessary for your personal portfolio. 

This year's stock market summer will go down as one of the most turbulent seasons in financial history.

Quarterly market update: September 2024

New categories and questions, and an easy way to navigate through financial topics. Whether you want insights into your portfolio’s performance or the latest market trends, Selma AI will strive to answer your questions.

Exciting news! Selma AI now offers an even easier way to find the financial advice you need. 🎉

Selma AI update: Financial insights, new categories & featured content

Global financial markets recently experienced declines due to concerns about a potential U.S. recession, triggered by a weaker-than-expected jobs report. Major stock indices and cryptocurrencies dropped, with Japan's Nikkei index seeing its largest decline since 1987. In this article you hear more about what happened, what it means for your investments and what Selma suggests to do next.

Global financial markets took a hit during the last days due to fears of a U.S. recession. Learn everything you need to know in our latest market update.

Market update (08/24): Global Financial Markets adjust amid U.S. Recession Concerns

In this webinar, we will explore the latest developments in the financial market and provide a comprehensive review and outlook. You'll gain insights into Selma's investment strategy and learn how Selma AI enhances your investment experience. 

In this webinar, we will explore the latest developments in the financial market and provide a comprehensive review and outlook.

Webinar: AI, Market Insights & Investment Strategy | July 2024

Many people wonder how Selma AI can contribute to their financial goals and what they gain from their use of it. That’s why we had a sit down with our CEO Patrik and talked about the differences and advantages of Selma AI compared to an in-person financial advisor.

To Selma AI or not to Selma AI? We asked our CEO Patrik how Selma AI differs from your in-person financial advisor.

In-person financial advisor or Selma AI - An Interview with Patrik, CEO of Selma

Watch Selma's latest webinar and learn more about Selmas investment philosophy, portfolio creation and how your money is managed by Selma. 

Webinar: Investing with Selma Finance | 2024

Selma shares its latest financial market insights.

Market update May: Strong months for globally diversified portfolios

Recently, Selma AI emerged onto the scene, offering a revolutionary approach to personalised financial guidance tailored precisely to your unique needs and lifestyle. Delve into this article to explore how Selma AI can help you on your financial journey through a vivid use case.

Selma AI emerged onto the scene, offering a revolutionary approach to personalised financial guidance tailored precisely to your unique needs and lifestyle. In this article you can learn more about how you can put Selma AI to use.

Nina the beginner investor – A Selma AI story

Today Selma reveals its biggest style update since the founding of Selma. The new visual identity is meant to reflect the learning we had over the past 7 years and the maturing together with our customers and supporters.

As we are learning and maturing together with our customers our visual identity was in dire need of an upgrade. Today we present the new style of Selma

New look, same heart - Selma shines in a new style

You aren’t sure how to deposit money into your investment account to get the most out of your savings? Outsource the thought process to Selma.

Are you still wondering how to invest your savings? Get your personal deposit plan now – transparent and easy to follow.

Build your wealth using the new deposit plan

What’s the right way to handle your wealth and investments when markets are recovering or doing well?

Markets are on the rise – what now?

Do you ever wish you had a financial advisor ready to chat whenever you need advice? Meet Selma AI – your new best friend in financial management!

Get to know Selma AI – your new best friend in financial management – and learn more about how you can benefit from Selma's new AI powers.

Meet Selma AI: Switzerland's first AI powered financial advisor

Market update (02/24): Tech giants on the rise with inflation under observation

No more wondering how to invest your savings! Selma's new deposit plan offers you a personalised, easy-to-follow plan on how to deposit money on your investment account.

Are you still wondering how to start investing your savings? Get now your personalised deposit plan – transparent and easy to follow.

Your personal deposit plan is here

We are already halfway through January 2024. You probably read all the recaps of 2023, had your “most played Spotify songs” on repeat, and made your New Year resolutions (which hopefully include investing 😉). For one last time, we want to take you to a somewhat different recap of 2023.

2023 in Selma numbers

Stepping into 2024, let's look back at 2023 — a year of impressive growth for tech companies. Yet, there's more to the investment world than these giants. This article turns the spotlight on emerging markets, a sector with untapped long-term potential that hasn't shone brightly in recent years.

Dive into the potential of emerging markets in 2024 with our comprehensive analysis. Discover why countries like China, India, and Vietnam are pivotal to global economic growth and how they're redefining investment strategies for the future.

Investing in Emerging Markets: Overlooked and underpriced?

Spoiler alert - Yes, women invest differently than men and, above all, less.  But what is the reason? According to studies, only 40% of women invest in Switzerland, compared to 60% of men. This gender-specific discrepancy raises the question of what factors lead to this difference.

Women invest differently: in Switzerland, only 40% of women invest. Fear of risk and a lack of financial education play a role. Women are often better investors, act more thoughtfully and pursue more long-term strategies. Women who do invest often wish they had started earlier.

Do women invest differently than men

If Switzerland is known for one thing, it is for its banks and its wealth. This makes it an attractive country for emigrants. Many are looking for a financially stable future and want to close their pension gap. Switzerland offers an option. In this article, you will learn important information about investing as an expat.

Find out in this article how you can invest successfully in Switzerland as a German immigrant. The article looks at the three pillars of the Swiss pension system and gives tips on how to buy into the pension fund. Finally, the option of buying property is discussed.

Investing as an Expat

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.

5 tips on decoding investment performance

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 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 regular robo-advisors. 🥊

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.