Get your wealth ready for retirement
Plan today how your wealth will support you in retirement: with a portfolio tailored to your needs and a clear withdrawal strategy. As a Migros Group employee, you'll receive a 150 CHF welcome bonus and an exclusive personal financial analysis.
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Start with a clear plan
45% of people in Switzerland withdraw their pension as a lump sum. This often comes with some of the biggest financial decisions of your life. What you need here is structure – not spontaneity – because a shorter investment horizon leaves less room for mistakes.
New principles apply in retirement
But how do you actually put this into practice? There are a few key principles that matter for everyone in retirement.
Secure liquidity first
Always keep a financial buffer in your account. This ensures you're prepared for the unexpected – without having to sell investments during market downturns.
Choose risk consciously and diversify
A shorter investment horizon means less time to recover from losses. Diversifying across asset classes and regions makes your portfolio more stable and resilient.
Balanced, with a Swiss focus
If your day-to-day life is in Swiss francs, it makes sense to keep part of your investments in Switzerland. This helps reduce currency risk.
Define a clear withdrawal plan
In retirement, your wealth becomes your income. That's why a clear withdrawal plan is essential: how much can you withdraw regularly without running out of money too soon?
Selma creates a personal plan for you
Start directly in the appWhether you want to stay flexible, build reserves, or continue growing your wealth, Selma brings together all the information about your situation and creates a structured plan tailored to you.
How Selma works
A portfolio that truly fits you
Get your portfolioWith Selma, you get a portfolio designed for your life stage. Globally diversified, built for stability, and implemented at low cost – so your wealth keeps working for you, even when your income stops.
Your personal retirement guide
Book a free consultationIn a free (and non-binding) consultation for Migros employees, you'll review your situation with Selma's financial experts and receive a clear plan for how to structure and use your pension assets.
Professional wealth management
Selma manages your investments for you, ensuring your portfolio always aligns with both the market and your life situation. In the app, you stay in control – with clear insights and personalised tips to optimise your investments.
Independently ranked #1
Learn moreIn 2026, Selma was ranked #1 in Switzerland for investing pension assets. The key factors: low costs and strong net returns.
Exclusive bonus for Migros employees
Use the code “Migrosx150” when opening your account and receive a 150 CHF bonus. 😎 The bonus is paid out over 12 months in four instalments.
Get started and invest when you're ready
Sign up and use the code "Migrosx150" when opening your account.
Selma's happy clients
More than +350 reviews on Google
Diego Anders
Selma is exactly what I was looking for. An alternative to the rigid, outdated products offered by banks. It’s transparent, flexible, and tailored to my needs.
Andreas Amacher
Straightforward and transparent – highly recommended.
Thomas Luisoni
A friendly, fresh approach, with excellent and responsive customer support. The option to invest sustainably in ETFs and an attractive fee structure. I feel well advised.
Jan Stachowski
They know what they're doing!
Georg Eberle
Simple and professional investing. A modern approach. No fluff.
Ameet Madan
I really liked the low fees and the “set it and forget it” approach — especially as a new investor. At first, I thought customers would just be handled automatically, but I think it’s great how Selma interacts directly with clients. You can genuinely tell that customers matter to them.
Christoph Koch
Selma shows that investing can be simple. Fair pricing, fast responses — even though everything is online. A Swiss company. Compared to my traditional bank, it’s less complicated and more affordable. That’s why I chose Selma and would recommend it.
Do you have questions?
Use the code "Migrosx150" when opening your account. The bonus is paid in four instalments every three months.
Why choose Selma?
Is there a minimum investment?
Who can redeem the bonus?
Selma's support team is always here for you.
Start with your bonus!
Get your personalised investment plan in just five minutes. Open your Selma investment account using the promo code "Migrosx150" and receive 150 CHF as a bonus.