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Retired? Keep your money working

Turn your pension payout into a smart, long-term plan. You stay invested in a way that fits your life – with a personal strategy, expert monitoring, and low fees.

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    Co-created with Swiss pensioners

    Selma’s retirement mode was built together with people just like you. It reflects the real needs and concerns of life after retirement – from stability and flexibility to smart withdrawals and low fees.

What you get with Selma’s retirement solution

Everything you need to invest confidently after retirement
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    A portfolio built for your retirement life

    Selma creates a portfolio tailored to your finances, goals, and comfort with risk. It focuses on stability, Swiss assets, and – if you choose – regular income from dividends. Whether you want steady payouts or long-term peace of mind, your portfolio fits your life after work, down to the details.

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    Automated wealth management

    Selma monitors your portfolio, rebalances it, and reinvests earnings—automatically. As your needs change, your investments gradually shift from growth to stability and income. No effort needed on your end.

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    Talk to an expert, one-on-one

    In a complimentary advisory session, we'll review your situation, explore what-if scenarios, and build a clear, customised plan for your pension payout.

    Book your call
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    Everything you need, in one app

    Selma’s app brings your retirement finances together in one place. Have a clear overview of your investments, get personal insights and AI-powered tips exactly when you need them.

    Download the mobile app

Start with your free plan

Sign up and build your retirement plan with expert guidance – all in one place.

Why pensioners choose Selma

Retirement comes with new questions. Selma gives you clarity, safety and support – exactly when you need it.

  • You're done doing guessing

    You want to make smart decisions with your pension payout – but without becoming a financial expert. Selma builds a plan that makes sense, from day one.

  • You want to protect what you built

    Your money should grow, but carefully. Selma invests in a way that avoids big risks and focuses on long-term stability.

  • You want to understand what's going on

    Selma keeps things simple. You see exactly how your money is doing – and you always know what’s happening.

  • You want someone you can reach.

    When questions come up, real people are there to help. No call centres, no sales talk – just honest answers.

  • You want Swiss professionals

    Selma is built in Switzerland, regulated by FINMA, and built for pensioners here. Your money is managed professionally, with full transparency and high safety standards.

How it works in the app

Getting started is easy

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    Open an investment account

    Download the app and start by opening an account.

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    Activate Pension mode

    Start the setup with just a few taps – it only takes a minute.

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    Answer a few short questions

    Selma checks in on your retirement situation and goals.

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    Your plan gets updated

    Your portfolio is adjusted automatically to fit your new needs.

Selma’s solution compared to others

Selma

Free pension income planning
Personalised step-by-step plan
Dedicated pension income ETF portfolio
Age-adjusted investment strategy
Customisation options
Flexible withdrawal plan
Expert support on demand
Simple digital experience
AI-powered financial advice
FINMA-regulated
Adjustments to market valuations to manage risk

Bank

Free pension income planning
Personalised step-by-step plan
Dedicated pension income ETF portfolio
Age-adjusted investment strategy
Customisation options
Flexible withdrawal plan
Expert support on demand
Simple digital experience
AI-powered financial advice
FINMA-regulated
Adjustments to market valuations to manage risk

Robo-advisor

Free pension income planning
Personalised step-by-step plan
Dedicated pension income ETF portfolio
Age-adjusted investment strategy
Customisation options
Flexible withdrawal plan
Expert support on demand
Simple digital experience
AI-powered financial advice
FINMA-regulated
Adjustments to market valuations to manage risk

Questions you may have

How is Selma Finance AG regulated?

Selma Finance AG is licensed as an independent portfolio manager and is directly subject to the Swiss Financial Market Supervisory Authority FINMA.

Can’t find the answer you’re looking for? Visit Selma's FAQs or reach out to our team of experts via live chat.

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