A plan for your retirement

You’ve worked for many years and built up your savings. Now it’s time for your money to work for you. Selma helps you do that – with a personal plan, automatic wealth management and support from experts.

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Winner Hypt Award 2026
Highest client satisfaction among Swiss digital providers
4.6 stars
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KGeld comparison winner 2026
Best net return
4.6 stars

What should I do with my pension fund money?
Annuity or lump sum? Or both? How much money do I need each month? And how do I invest my savings so they last as long as possible?
Whether you’re still preparing for retirement or already retired: Selma doesn’t just give you a personal plan. Selma also puts it into action for you.
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First the plan. Then the action.

Selma combines digital wealth management with personal financial planning and advice. All in one app.

Let’s plan your retirement together
Selma creates a personal retirement plan that fits your financial situation and goals. And if you have questions or would rather talk to a person, our financial experts are there for you.
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Selma puts your plan into action. Automatically
Based on your retirement plan, Selma builds a broadly diversified ETF portfolio that fits your financial situation and goals. Selma follows key principles so your money is invested sensibly.

Selma’s key principles for investing in retirement

How much money should you keep available, how much should you invest and how do you plan future withdrawals? Selma helps you find the right balance.

Secure your cash first
Part of your savings should be available at any time. That way you can cover your day-to-day costs without having to sell investments when markets fall.
Choose your risks wisely
Not every part of your savings needs to be invested the same way. What matters is when you need the money and how much risk suits your situation.
Balanced, with a Swiss focus
If you spend your money in Swiss francs, your investments should reflect that. A suitable share in Swiss francs can reduce currency risk.
Set a clear withdrawal plan
In retirement, your savings become a source of income. Selma helps you plan how much you can withdraw regularly and how long your money is likely to last.
Small costs, big impact
Even small differences in fees add up over the years. What matters is the return you actually keep after all costs.

Managed automatically. With a personal withdrawal plan.
Once you invest, Selma takes care of the ongoing management and adjusts your portfolio when needed. With a personal withdrawal plan, you can have money paid out to you regularly. And if you have questions, our financial experts are there for you.
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Fair fees. Advice included. No surprises.
Your retirement plan is free. You only pay once Selma invests and manages your money: 0.42% to 0.68% a year – including automatic wealth management and personal advice.

Ready for your retirement plan?

Find out how Selma can support you in retirement. Start for free and then decide whether you also want to invest with Selma.

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Personal advice when you need it
Annuity or lump sum, large pension fund withdrawals or a complex financial situation: some questions are best discussed with a real person. That’s why our financial experts are there for you in person.
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