Start investing for your pension
Make sure you can afford stuff in the future. Get an investment plan for pillar 3a to make sure your money grows with you.
Get pillar 3a today
Get the most out of your retirement savings
Start in minutes
Chat with Selma to get a personalised plan for your financial situation. Tell her about your finances, plans, existing investments and thoughts about risk! Selma recommends one of six pillar 3a investment strategies for you and shows the strategies' expected returns. Based on this information you can then freely choose which strategy your pillar 3a should follow and open your account online!
Get advice along the way
You’ll be investing a long time for your pension. With Selma you have an assistant who makes sure you’re on the right track over years and decades to come. Any time a bigger life change happens, update your investor profile at Selma. Selma and her human support will then check if your strategy should get an update. Whenever you would like to change the strategy yourself or get advice on financial matters, simply reach out to Selma's crew of finance and pension experts.
Save on taxes right away
Each year you get to deduct your pillar 3a contributions from your taxable income – and you don’t pay interest tax. You also get a free pillar 3a payment confirmation each year which you can use to get your taxes in order.
Do good with sustainable investments
All products in Selma’s pillar 3a plans adhere to certain sustainability standards. They were chosen to deliver the same or better expected return and come with the same risk level as alternatives that might not follow sustainability criteria.
Why should I get pillar 3a?
Pillar 3a is a Swiss, tax-friendly way to put money away for retirement. It is the most important solution to make sure you can afford things once you retire.
Up to 97% in stocks
High percentage of stocks in a plan means a higher expected return – if your financial life allows for ups and downs, Selma will recommend a high stocks plan.
Start with 500 CHF
Get a full global investment plan for as little as 500 CHF.
Reliable pension partner
VZ Vermögenszentrum is Selma’s partner for your pillar 3a investments.
Secure bank account
Your pillar 3a savings will be safe on an account under your name at Selma’s pension partner.
Low cost investments
VZ Vermögenszentrum is constantly refining the choice of investment products to keep costs low and return high.
Combined investments
At Selma you pay less as your wealth grows – across your investments and pillar 3a contributions.
Move your pillar 3a freely
Move to or from another pillar 3a investment provider for free.
Move pillar 3a freely
Move to or from another pillar 3a investment provider for free.
Selma crew support
Ping the Selma crew via live chat with any question.
Put your money to work for you
An investment needs time to grow, so the longer your money is in the market, the more chances you have to grow your investments. Invest for the long run and take full advantage of the benefit of compounding interest.
Chart is a hypothetical comparison and shows you the development of your investments with an average return of 7% per year. Investing comes always with the risk of loss and performance is not guaranteed. Learn more in our FAQs.
Selma's pension expert
Selma joined forces with VZ Vorsorgestiftung, Switzerland’s established expert in pension and tax matters to develop an affordable solution.
I use Selma's pillar 3a solution because of the transparency and small fees.
Laurent
Selma makes wealth management accessible for everyone.
Peter
Questions you may have
Chat with Selma to learn more about your finances and get a recommended pillar 3a plan. Browse through the plans and decide on which one you'd like your pillar 3a to follow. Then you simply sign the pension agreement and upload it to the service. Once your account is set up, you add money to start investing.
How much can invest in pillar 3a?
How can I move my existing pillar 3a to Selma?
Can’t find the answer you’re looking for? Our team of experts will help with your questions via live chat or visit our FAQs.
Start taking care of your retirement
Check out your recommended plan, open your account and start investing. Online, in minutes.