How to invest in retirement
Retirement fundamentally changes your financial situation. As a follow-up to your pension fund, Selma invests your capital so it can provide income, offer stability, and last over the long term – personalised, digital, and FINMA-regulated.
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What matters most in retirement
People approaching or already in retirement often tell us the same things.
"I don't want to guess."
You want to make good decisions with your pension money – without becoming a financial expert.
Selma gives you a clear plan that fits your situation."I want to protect what I've earned."
Your money should keep working – but carefully. Selma focuses on stability and avoids unnecessary risks.
"I want to understand what's happening."
You stay in control at all times. The app shows you clearly how your money is invested and how it develops.
"I want Swiss professionals I can trust."
Selma is based in Switzerland, FINMA-regulated, and built specifically for people in retirement.
Retirement & investing – made simple
A portfolio built for your retirement life
Your portfolio is built around your retirement needs – stability and diversification, Swiss exposure where it makes sense, and optional income through dividends. Whether you want regular withdrawals or prefer to stay invested, your portfolio is aligned with your goals.
Automated wealth management
Selma manages your investments for you. Your portfolio is continuously monitored and adjusted to market conditions – so it stays aligned with your situation without you having to take action. You can check your performance at any time in the app.
Personal financial analysis, included
Book your financial analysisIn a conversation with a Selma financial expert, you will: review your personal situation, explore different scenarios, understand your options, create a clear plan for your pension capital. No obligation. Just clarity.
Award winning service
Learn moreSelma was ranked #1 in an independent Swiss wealth management comparison by KGeld.ch (2026). What made the difference: lower fees and higher net returns. Because in retirement, what really matters is not gross performance, but what remains after costs.
Start when you're ready
Sign up and receive your personalised investment plan — free and tailored to you.
The principles that matter in retirement
There are a few key rules that become especially important once you stop working.
Keep enough liquidity
Always maintain a financial buffer in cash. This allows you to cover expenses without having to sell investments at the wrong time.
Choose risk consciously – and diversify
A shorter investment horizon means less room for large fluctuations. Broad diversification across asset classes and regions helps stabilise your portfolio.
Stay balanced – with a Swiss focus
If your life is in Swiss francs, part of your portfolio can be too. This reduces currency risk while keeping global diversification.
Define a clear withdrawal plan
Your wealth becomes your income. Selma helps you plan how much you can withdraw — without running out too early.
Keep costs low
Fees have a bigger impact than most people realise. What matters is your net return after costs.
Selma's solution compared to others
Selma
Bank
Robo-advisor
How to get started
Getting started is simple and takes just a few steps:
Download the app
Available on iOS and Android
Create your investor profile
Answer a few questions by chatting with Selma.
Review your plan
You receive a personalised portfolio and can adjust it.
Fund your account
Plan your deposits and start investing.
Frequently asked questions
Selma Finance AG is an independent portfolio manager authorised by FINMA. Oversight is carried out by OSFIN, and Selma is affiliated with FINOS as its official ombuds office.
Can I withdraw money or close my account at any time?
Where is my money held?
How safe is my money?
How does Selma manage your investments?
Can't find the answer you’re looking for? Visit Selma's FAQs or reach out to our team of experts via live chat.