{"id":8570,"date":"2024-10-14T18:15:00","date_gmt":"2024-10-14T16:15:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/selma-3a-experiences-and-review-2024\/"},"modified":"2024-09-25T09:24:52","modified_gmt":"2024-09-25T07:24:52","slug":"selma-3a-experiences-and-review-2024","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/selma-3a-experiences-and-review-2024\/","title":{"rendered":"Selma 3a experiences and review 2024"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Lesedauer<\/span> <span class=\"rt-time\"> 8<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Already had experience with Selma 3a?\nSelma is a product from a Swiss robo-advisor.\nIt develops an automated and personalized investment strategy for you and supports you with expert advice on your investment plan.\nSelma uses a chatbot with artificial intelligence.\nFind out in the article whether Selma Pillar 3a is right for you.    <\/p>\n\n<!--more-->\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-9df21f6\" id=\"was-ist-selma-saule-3-a\" data-block-id=\"9df21f6\"><h2 class=\"stk-block-heading__text\">What is Selma pillar 3a?<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Selma Finance AG is the company behind Selma 3a.\nThe company was founded in 2017 and is based in the canton of Zurich.\nThe four founders around CEO Patrik Sch\u00e4r are entrepreneurs with experience in the fields of finance, financial consulting, technology and UX design.\nSelma Finance is supported by partners who provide financial backing for the company&#8217;s growth.\nThese include the venture capital arm of the Migros Group, Sparrow Ventures, and the TX Media Group.    <\/p>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">In 2024, around 14,000 customers entrusted Selma with money for pillar 3a or private investments.\nOver 350 Google ratings with an average of 4.6 complete the picture. <\/p>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">The Selma pillar 3a is opened at the partner banks Saxo Bank (Switzerland) or the VZ Verm\u00f6genszentrum.\nYour money is also managed there.\nThe digital financial assistant Selma then optimizes, buys and sells the investments.\nAs soon as money arrives in the account, it is automatically invested.   <\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-ed39773\" data-block-id=\"ed39773\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7934\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214310\/Selma-3a-Erfahrungen-Review-2024-2.webp\" width=\"1200\" height=\"800\" alt=\"Selma 3a Experience Review 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214310\/Selma-3a-Erfahrungen-Review-2024-2.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214310\/Selma-3a-Erfahrungen-Review-2024-2-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214310\/Selma-3a-Erfahrungen-Review-2024-2-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214310\/Selma-3a-Erfahrungen-Review-2024-2-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214310\/Selma-3a-Erfahrungen-Review-2024-2-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214310\/Selma-3a-Erfahrungen-Review-2024-2-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">An outstanding feature of Selma Pillar 3a is the chatbot, which asks you about your personal finances and life situation.\nBased on your answers, Selma creates a customized investment strategy.\nYou will receive regular reports and updates on this and the performance of your investments.\nSelma also suggests how you can optimize your pension planning so that you can make informed decisions about your financial future.   <\/p>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Fun fact: the name &#8220;Selma&#8221; comes from the Celtic language and means &#8220;good prospects&#8221;.\n\ud83d\udd2d So it&#8217;s a relatively good fit for your retirement provision. <\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-71238fb ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-71238fb-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-71238fb-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-71238fb h1,.ugb-71238fb h2,.ugb-71238fb h3,.ugb-71238fb h4,.ugb-71238fb h5,.ugb-71238fb h6{color:#ffffff}.ugb-71238fb p,.ugb-71238fb li,.ugb-71238fb label,.ugb-71238fb table{color:#ffffff}.ugb-71238fb-content-wrapper > h1,.ugb-71238fb-content-wrapper > h2,.ugb-71238fb-content-wrapper > h3,.ugb-71238fb-content-wrapper > h4,.ugb-71238fb-content-wrapper > h5,.ugb-71238fb-content-wrapper > h6{color:#ffffff}.ugb-71238fb-content-wrapper > p,.ugb-71238fb-content-wrapper > ol li,.ugb-71238fb-content-wrapper > ul li{color:#ffffff}.ugb-71238fb a,.ugb-71238fb a:visited,.ugb-71238fb a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-71238fb-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-71238fb-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-mit-selma-gutscheincode-smolio-von-34-franken-bonus-profitieren\">Benefit from a 34 franc bonus with Selma voucher code SMOLIO<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Use the code <strong>SMOLIO<\/strong> for your welcome bonus when opening an account. You will receive this as a fee credit to your Selma investment account if you pay or transfer at least CHF 500 into your pillar 3a within one year.\nThis means you can invest up to CHF 5,000 in the first year free of charge and get to know Selma in a relaxed manner.\nThanks to Selma&#8217;s AI, you also get a free financial check-up.  <\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-9d6958c\" data-block-id=\"9d6958c\"><style>.stk-9d6958c .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-9d6958c .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-9d6958c .stk-button-group{flex-direction:row !important;}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-a521bde\" data-block-id=\"a521bde\"><style>.stk-a521bde .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/www.selma.com\/de-ch\/smolio\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">Activate Selma voucher code<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-745de2e stk-block-background\" data-block-id=\"745de2e\"><p class=\"stk-table-of-contents__title\"><strong>We take a look at these Selma 3a experiences in the article:<\/strong><\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#was-ist-selma-saule-3-a\">What is Selma pillar 3a?<\/a><ul><\/ul><\/li><li><a href=\"#welche-anlagestrategien-gibt-es-bei-selma-saule-3-a\">What investment strategies are available with Selma pillar 3a?<\/a><\/li><li><a href=\"#welche-kosten-fallen-bei-selma-saule-3-a-an\">What are the costs of Selma pillar 3a?<\/a><\/li><li><a href=\"#wie-kann-ich-ein-konto-eroffnen-bei-selma-saule-3-a\">How can I open an account with Selma Pillar 3a?<\/a><\/li><li><a href=\"#welche-selma-3-a-erfahrungen-und-vorteile-gibt-es-gegenuber-anderen-3-a-losungen\">What are the Selma 3a experiences and advantages over other 3a solutions?<\/a><\/li><li><a href=\"#welche-nachteile-hat-selma-saule-3-a\">What are the disadvantages of Selma pillar 3a?<\/a><\/li><li><a href=\"#wie-sicher-ist-die-selma-saule-3-a\">How secure is the Selma pillar 3a?<\/a><\/li><li><a href=\"#leistungsmerkmale-selma-3-a-im-uberblick\">Selma 3a features at a glance<\/a><\/li><li><a href=\"#zusammenfassung-selma-3-a-erfahrungen-und-review-2024\">Summary of Selma 3a experience and review 2024<\/a><ul><\/ul><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-58ab915\" id=\"welche-anlagestrategien-gibt-es-bei-selma-saule-3-a\" data-block-id=\"58ab915\"><h2 class=\"stk-block-heading__text\">What investment strategies are available with Selma pillar 3a?<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Selma offers six investment strategies.\nThese strategies allow equity allocations of between 15 and 97 percent.\nBelow you will find these strategies as well as the share ratios and compositions.  <\/p>\n\n<div class=\"embed-container\"><iframe title=\"Anlagestrategien Selma S\u00e4ule 3a\" aria-label=\"multiple-pies-title\" id=\"datawrapper-chart-f69qN\" src=\"https:\/\/datawrapper.dwcdn.net\/f69qN\/1\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"276\" data-external=\"1\"><\/iframe><script type=\"text\/javascript\">!function(){\"use strict\";window.addEventListener(\"message\",(function(a){if(void 0!==a.data[\"datawrapper-height\"]){var e=document.querySelectorAll(\"iframe\");for(var t in a.data[\"datawrapper-height\"])for(var r=0;r<e.length;r++)if(e[r].contentWindow===a.source){var i=a.data[\"datawrapper-height\"][t]+\"px\";e[r].style.height=i}}}))}();<\/script><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">These Selma pillar 3a investment strategies were developed by our partner VZ Verm\u00f6genszentrum.\nVZ also selects the best (ETF) products for the implementation of the investment strategy.\nSelma continuously monitors compliance with the bandwidths and carries out rebalancing in order to react to changes in the financial markets.\nThe ETFs used by Selma are somewhat hidden, but can be found via a <a href=\"\">link<\/a> on the website.\nProducts from Swisscanto, UBS, Vanguard, Credit Suisse, iShares, i.e. renowned providers, are used.    <\/p>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">The selection also includes products that invest according to ESG criteria.\nYou can easily activate the option for <a href=\"\">sustainable investing and impact investing<\/a> in your account.\nInvesting strictly according to ESG criteria is currently only available for the investment account - ESG criteria are taken into account when selecting products for pillar 3a.  <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-20a8508\" id=\"welche-kosten-fallen-bei-selma-saule-3-a-an\" data-block-id=\"20a8508\"><h2 class=\"stk-block-heading__text\">What are the costs of Selma pillar 3a?<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Selma Pillar 3a has a simple fee model consisting of a flat-rate management fee and product costs\ud83d\udcb5:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Management fees<\/strong>: Selma charges an annual management fee of 0.68 % on the assets under management.\nThis fee covers the costs of managing and optimizing the investment portfolios.\nThe website advertises the 0.42 % fee somewhat sensationally - very few of us are likely to have the necessary small change of CHF 500,000 to invest.  <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Product costs<\/strong>: In addition to the management fees, there are product costs for the underlying ETFs and index funds, which are generally between 0.15 % and 0.25 % per year.<br\/>No additional fees: Selma does not charge any hidden costs such as deposit or withdrawal fees or custody fees.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">An example: With an invested amount of CHF 10,000, the total annual costs (including product costs) amount to CHF 90 (0.90 %)<br\/><\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-86803a9\" data-block-id=\"86803a9\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7938\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214314\/Selma-3a-Erfahrungen-Review-2024-4.webp\" width=\"1200\" height=\"800\" alt=\"Selma 3a Experience Review 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214314\/Selma-3a-Erfahrungen-Review-2024-4.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214314\/Selma-3a-Erfahrungen-Review-2024-4-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214314\/Selma-3a-Erfahrungen-Review-2024-4-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214314\/Selma-3a-Erfahrungen-Review-2024-4-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214314\/Selma-3a-Erfahrungen-Review-2024-4-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214314\/Selma-3a-Erfahrungen-Review-2024-4-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ccc5cdd\" id=\"wie-kann-ich-ein-konto-eroffnen-bei-selma-saule-3-a\" data-block-id=\"ccc5cdd\"><h2 class=\"stk-block-heading__text\">How can I open an account with Selma Pillar 3a?<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">You can access the Selma platform via the mobile app.\nIt allows you to easily register and manage your pension assets.\nOpening an account with Selma Pillar 3a is intuitive and user-friendly.\nLast but not least, your dialog with the Selma chatbot contributes to this.\nIt is refreshing and guides you to your investment profile and the resulting investment portfolio, which Selma calls a \"planet\".\nThe process comprises the following five steps:     <\/p>\n\n<ol class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Registration<\/strong>: Visit the Selma website or download the Selma app.\nStart the registration process by entering your e-mail address and a password. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Create a profile:<\/strong> Answer the chatbot Selma a few questions about your financial situation, your investment goals and your risk appetite.\nThis information will help Selma to develop a customized investment strategy for you. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Verification:<\/strong> Verify your identity by uploading a valid ID document and proof of address.<\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Deposit<\/strong>: Transfer the desired amount to your new Selma pillar 3a account.\nSelma offers regular or one-off deposits. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Confirm your investment strategy: <\/strong>After verification and deposit, you will be shown your recommended investment strategy.\nYou can check and confirm your strategy before Selma starts investing your money. <\/li>\n<\/ol>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">The entire process is digital and usually only takes a few minutes.\nSelma attaches great importance to intuitive and fast account opening to give users a smooth start to their pension investments. <\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d75cd07\" id=\"welche-selma-3-a-erfahrungen-und-vorteile-gibt-es-gegenuber-anderen-3-a-losungen\" data-block-id=\"d75cd07\"><h2 class=\"stk-block-heading__text\">What are the Selma 3a experiences and advantages over other 3a solutions?<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Selma 3a offers several advantages over traditional pension solutions:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Convenient onboarding<\/strong>: the chatbot works with you to develop a suitable investment strategy that matches your personal financial goals and risk profile.<\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Transparent costs:<\/strong> With a clear fee structure (0.68 % management fee plus product costs) and no hidden fees, cost transparency is high.<\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Consideration of total assets:<\/strong> Selma charges an all-in-one fee for your total assets in pillar 3a and your private investments.\nSo if you have both accounts with Selma, you save on fees.\nThe fee decreases if you invest more - pillar 3a and private investments are added together.  <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>At eye level:<\/strong> Selma is refreshingly different.\nThe fresh, simple and direct language without financial jargon and numerous emojis also appeals to people who know little about finance.\nThe transparency in the further development of the product on a public Trello board https:\/\/trello.com\/b\/Q4hb4Ywu\/selma-roadmap, to which you can also provide input, also fits in well with this.  <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Financial advice and tips<\/strong>: The monthly fee includes not only the management of your investments, but also access to Selma AI via app and questions about your investment plan to Selma's expert crew in chat to find personalized answers to your financial challenges.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">In our experience, Selma 3a is an interesting alternative for newcomers to the world of investments who are looking for a modern and efficient solution for their pension investments and at the same time do not want to do without personal expert advice.<\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-d40c74b\" data-block-id=\"d40c74b\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7936\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214312\/Selma-3a-Erfahrungen-Review-2024-3.webp\" width=\"1200\" height=\"800\" alt=\"Selma 3a Experience Review 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214312\/Selma-3a-Erfahrungen-Review-2024-3.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214312\/Selma-3a-Erfahrungen-Review-2024-3-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214312\/Selma-3a-Erfahrungen-Review-2024-3-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214312\/Selma-3a-Erfahrungen-Review-2024-3-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214312\/Selma-3a-Erfahrungen-Review-2024-3-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20214312\/Selma-3a-Erfahrungen-Review-2024-3-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-987963b\" id=\"welche-nachteile-hat-selma-saule-3-a\" data-block-id=\"987963b\"><h2 class=\"stk-block-heading__text\">What are the disadvantages of Selma pillar 3a?<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Although Selma 3a offers many advantages, our Selma 3a experience also shows some disadvantages:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Only one 3a account<\/strong>: You can only open and manage one pillar 3a account with Selma.\nIt is not possible to have several pillar 3a accounts with Selma.\nThis restriction is relevant with regard to a staggered, <a href=\"\">tax-optimized withdrawal<\/a>.  <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Fee level<\/strong>: The fees include financial advice. This is why they are above the market average for (typically smaller) pillar 3a assets at 0.68 % + product costs. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Minimum investment amount<\/strong>: Pillar 3a requires a minimum investment amount of CHF 500.\nThis is significantly higher than with other digital pillar 3a providers, where you start with just one franc.\nThe minimum investment of CHF 2,000 for private investments in pillar 3b is also higher with Selma than with other providers.\nSelma is obviously aiming for profitable customers right from the start.   <\/li>\n<\/ul>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-a836f40\" data-block-id=\"a836f40\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7941\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20215915\/Selma-3a-Erfahrungen-Review-2024-5.webp\" width=\"1200\" height=\"800\" alt=\"Selma 3a Experience-Review 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20215915\/Selma-3a-Erfahrungen-Review-2024-5.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20215915\/Selma-3a-Erfahrungen-Review-2024-5-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20215915\/Selma-3a-Erfahrungen-Review-2024-5-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20215915\/Selma-3a-Erfahrungen-Review-2024-5-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20215915\/Selma-3a-Erfahrungen-Review-2024-5-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20215915\/Selma-3a-Erfahrungen-Review-2024-5-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ab0453a\" id=\"wie-sicher-ist-die-selma-saule-3-a\" data-block-id=\"ab0453a\"><h2 class=\"stk-block-heading__text\">How secure is the Selma pillar 3a?<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">The security of Selma Pillar 3a is guaranteed by several measures:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Regulation<\/strong>: Selma is a licensed independent asset manager regulated and supervised by the Swiss Financial Market Supervisory Authority (FINMA) \ud83c\udfdb\ufe0f.<\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Custodian banks<\/strong>: Your assets are held at Saxo Bank or VZ Depotbank, which are also regulated in Switzerland.\nThe bank accounts and securities are held in your name.\nYour investments and cash from your investment account are held at Saxo Bank (Switzerland) Ltd and the investments and cash from your Selma pillar 3a account are held at VZ Depotbank AG.\nIf something were to happen to Selma or a partner bank, the securities would be returned to you.   <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Encryption<\/strong>: All data transmissions are secured using modern encryption technologies (SSL encryption and HTTPS connections, two-factor authentication) to ensure the confidentiality and integrity of user data.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">In this way, Selma ensures that users' funds are well protected and securely managed.<\/p>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-db4497e\" id=\"leistungsmerkmale-selma-3-a-im-uberblick\" data-block-id=\"db4497e\"><h2 class=\"stk-block-heading__text\">Selma 3a features at a glance<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">We have summarized the key features of the Selma 3a for you below.<\/p>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>Criterion<\/th><th>Remark<\/th><\/tr><\/thead><tbody><tr><td>Costs<\/td><td>0.90 % p.a. for assets (pillar 3a &amp; private investments 3b) under CHF 50,000.<br\/>The annual flat fee for Selma pillar 3a is 0.68 % of the assets under management for amounts under CHF 50,000.\nFor higher investment amounts, the fees decrease in stages: 0.55 % for assets between CHF 50,000 and CHF 150,000, 0.47 % for CHF 150,000 to CHF 500,000 and 0.42 % for amounts over CHF 500,000.\nThis flat fee does not include the product costs.\nIn addition to the management fees, around 0.22 % per year is charged in product costs for the ETFs and index funds in which Selma invests.   <\/td><\/tr><tr><td>Maximum number of portfolios<\/td><td>Currently <strong>only one<\/strong> pillar 3a account<\/td><\/tr><tr><td>Maximum share quota<\/td><td>Up to 97 %<\/td><\/tr><tr><td>Investment products<\/td><td>mainly <strong>ETFs<\/strong><\/td><\/tr><tr><td>Fund provider<\/td><td>ETFs mainly from Vanguard, iShares (BlackRock) and UBS.\nThe partnership with the VZ Verm\u00f6genszentrum ensures that the selection of ETFs is regularly reviewed and updated in order to achieve the best cost-benefit effect. <\/td><\/tr><tr><td>Supported languages<\/td><td>English, French, German<\/td><\/tr><tr><td>Sustainable investments<\/td><td><strong>Yes<\/strong>. All investment products in the Selma Pillar 3a plans comply with sustainability standards.\nThese have been selected to deliver the same or better expected returns and are associated with the same risk as alternative investments that do not meet these criteria.<br\/>Selma attaches great importance to ESG (Environmental, Social, and Governance) investments.)\nThis allows you not only to pursue financial goals, but also to achieve a positive impact on the environment and society.  <\/td><\/tr><tr><td>Mobile application<\/td><td>Yes (iOS \/ Android)<\/td><\/tr><tr><td>Web application<\/td><td>Yes<\/td><\/tr><tr><td>Custodian bank<\/td><td>Selma manages the custody accounts through two main partner banks:<br\/>1. Saxo Bank (Switzerland)<br\/>2. VZ Verm\u00f6genszentrum<\/td><\/tr><tr><td>Market offer since<\/td><td>November 2019<\/td><\/tr><tr><td>Seat of the foundation<\/td><td>Zurich (VZ Vorsorgestiftung 3a)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d379133\" id=\"zusammenfassung-selma-3-a-erfahrungen-und-review-2024\" data-block-id=\"d379133\"><h2 class=\"stk-block-heading__text\">Summary of Selma 3a experience and review 2024<\/h2><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\">Our Selma 3a experience shows that the product differs from other 3a securities solutions.\nThis is because Selma makes a special effort to introduce newcomers to saving and investing (for example with the learning platform) and to take a holistic approach to asset accumulation.\nTo this end, Selma combines <a href=\"\">budgeting<\/a>, pension planning and investing in <em>one <\/em>platform, which sets it apart from competitors such as <a href=\"\">finpension<\/a>, <a href=\"\">frankly<\/a>, <a href=\"\">VIAC <\/a>or Truewealth.\nHowever, the added value also comes at a premium compared to these providers, which may put some people off.\nBut the transparent cost structure, support with financial planning and focus on sustainable investments make Selma a modern and responsible choice for people who are new to retirement planning.    <\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-390def6 ugb-container--v2 ugb-container--design-basic ugb-main-block\"><style>.ugb-390def6-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-390def6-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-390def6 h1,.ugb-390def6 h2,.ugb-390def6 h3,.ugb-390def6 h4,.ugb-390def6 h5,.ugb-390def6 h6{color:#ffffff}.ugb-390def6 p,.ugb-390def6 li,.ugb-390def6 label,.ugb-390def6 table{color:#ffffff}.ugb-390def6-content-wrapper > h1,.ugb-390def6-content-wrapper > h2,.ugb-390def6-content-wrapper > h3,.ugb-390def6-content-wrapper > h4,.ugb-390def6-content-wrapper > h5,.ugb-390def6-content-wrapper > h6{color:#ffffff}.ugb-390def6-content-wrapper > p,.ugb-390def6-content-wrapper > ol li,.ugb-390def6-content-wrapper > ul li{color:#ffffff}.ugb-390def6 a,.ugb-390def6 a:visited,.ugb-390def6 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-390def6-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-390def6-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-mit-selma-gutscheincode-smolio-von-34-franken-bonus-profitieren-0\">Benefit from a 34 franc bonus with Selma voucher code SMOLIO<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Use the code <strong>SMOLIO<\/strong> for your welcome bonus when opening an account. You will receive this as a fee credit to your Selma investment account if you pay or transfer at least CHF 500 into your pillar 3a within one year.\nThis means you can invest up to CHF 5,000 in the first year free of charge and get to know Selma in a relaxed manner.\nThanks to Selma's AI, you also get a free financial check-up.  <\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-4df6c8c\" data-block-id=\"4df6c8c\"><style>.stk-4df6c8c .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-4df6c8c .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-4df6c8c .stk-button-group{flex-direction:row !important;}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-1f13617\" data-block-id=\"1f13617\"><style>.stk-1f13617 .stk-button{background:#192483 !important;border-top-left-radius:30px !important;border-top-right-radius:30px !important;border-bottom-right-radius:30px !important;border-bottom-left-radius:30px !important;}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/www.selma.com\/de-ch\/smolio\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">Activate Selma voucher code<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"aligncenter wp-block-ugb-container ugb-container ugb-3c1c7a0 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-3c1c7a0-wrapper.ugb-container__wrapper{border-radius:0px !important}.ugb-3c1c7a0 h1,.ugb-3c1c7a0 h2,.ugb-3c1c7a0 h3,.ugb-3c1c7a0 h4,.ugb-3c1c7a0 h5,.ugb-3c1c7a0 h6{color:#000000}.ugb-3c1c7a0 p,.ugb-3c1c7a0 li,.ugb-3c1c7a0 label,.ugb-3c1c7a0 table{color:#000000}.ugb-3c1c7a0-content-wrapper > h1,.ugb-3c1c7a0-content-wrapper > h2,.ugb-3c1c7a0-content-wrapper > h3,.ugb-3c1c7a0-content-wrapper > h4,.ugb-3c1c7a0-content-wrapper > h5,.ugb-3c1c7a0-content-wrapper > h6{color:#000000}.ugb-3c1c7a0-content-wrapper > p,.ugb-3c1c7a0-content-wrapper > ol li,.ugb-3c1c7a0-content-wrapper > ul li{color:#000000}.ugb-3c1c7a0 a,.ugb-3c1c7a0 a:visited,.ugb-3c1c7a0 a:focus{color:#000000}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-3c1c7a0-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-3c1c7a0-content-wrapper\">\n<h4 class=\"wp-block-heading has-black-smolio-color has-text-color has-small-font-size\" id=\"h-hinweis\">Notice <\/h4>\n\n\n\n<p class=\"has-black-smolio-color has-text-color wp-block-paragraph\" id=\"h-unser-tipp-gut-rechnen-ist-angesagtfalls-du-die-effektiven-kosten-f-rs-arbeitszimmer-abziehst-verlierst-du-den-pauschal-abzug-f-r-die-berufskosten-denn-es-geht-nur-entweder-abzug-der-effektien-kosten-oder-pauschalabzug-f-r-homeoffice-tage-kannst-du-auch-keine-fahrtkosten-abziehen-rechne-daher-gut-nach-was-dir-den-h-heren-abzug-bringt-vermutlich-f-hrst-du-in-den-meisten-f-llen-besser-mit-dem-pauschalabzug\" data-block-type=\"core\">Wir sind dir dankbar, wenn du bei einer Kontoer\u00f6ffnung unseren Code nutzt. Wir erhalten dann eine kleine <a href=\"https:\/\/www.smolio.ch\/experten-netzwerk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Verg\u00fctung<\/a>. F\u00fcr dich wird es dadurch nicht teurer und wir k\u00f6nnen die Kosten f\u00fcr den Betrieb der Plattform decken. Wir freuen uns auch, wenn du uns einen <a href=\"https:\/\/buymeacoffee.com\/smolio\" target=\"_blank\" rel=\"noreferrer noopener\">Kaffee spendierst<\/a> \u2615\ufe0f.<\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<p class=\"wp-block-paragraph\" data-block-type=\"core\"><\/p>\n<ol class=\"wp-block-footnotes\" data-block-type=\"core\"><li id=\"1bd1c247-01d3-4e09-9e14-46c37cacef1c\">\/ *: Only redeemable for frankly new customers when opening their first account within 48 hours.\nThere is no all-in fee for cash.\nCode cannot be combined with other voucher codes.\nValid until 31.12.2024.\nInformation on the competition at <a href=\"\">frankly.ch\/gws.<\/a>      <a href=\"#1bd1c247-01d3-4e09-9e14-46c37cacef1c-link\" aria-label=\"Jump to footnote reference 1\">\u21a9\ufe0e<\/a><\/li><\/ol>","protected":false},"excerpt":{"rendered":"<p>Selma Pillar 3a is the product of a Swiss robo-advisor.<br \/>\nThe AI chatbot develops an automated and personalized investment strategy for you and supports you with expert advice on your investment plan.<br \/>\nFind out whether Selma Pillar 3a is right for you.  <\/p>\n","protected":false},"author":8,"featured_media":7947,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"[{\"content\":\"\\\/ *: Only redeemable for frankly new customers when opening their first account within 48 hours.\\nThere is no all-in fee for cash.\\nCode cannot be combined with other voucher codes.\\nValid until 31.12.2024.\\nInformation on the competition at <a href=\\\"\\\">frankly.ch\\\/gws.<\\\/a>     \",\"id\":\"1bd1c247-01d3-4e09-9e14-46c37cacef1c\"}]"},"categories":[2260],"tags":[2292,2262,2261,2387,2263],"class_list":["post-8570","post","type-post","status-publish","format-standard","has-post-thumbnail","category-invest-in-pillar-3a","tag-change-pillar-3a","tag-pillar-3a","tag-securities-savings-pillar-3a","tag-selma-en","tag-sponsored-en"],"nelio_content":{"autoShareEndMode":"never","automationSources":{"useCustomSentences":false,"customSentences":[]},"efiAlt":"","efiUrl":"","followers":[8],"highlights":[],"isAutoShareEnabled":false,"networkImageIds":[],"permalinkQueryArgs":[],"series":[],"suggestedReferences":[]},"featured_image_urls_v2":{"full":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc.webp",1200,801,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-800x534.webp",800,534,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-768x513.webp",768,513,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc.webp",1140,761,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc.webp",1200,801,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc.webp",1200,801,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/20223446\/Selma-3a-Erfahrungen_lazy-employee-and-efficient-robot-2023-11-27-05-30-28-utc-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>Selma Pillar 3a is the product of a Swiss robo-advisor.<br \/>\nThe AI chatbot develops an automated and personalized investment strategy for you and supports you with expert advice on your investment plan.<br \/>\nFind out whether Selma Pillar 3a is right for you.  <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/understanding-the-swiss-pension-system\/invest-in-pillar-3a\/\" rel=\"category tag\">Invest in pillar 3a<\/a>","author_info_v2":{"name":"Thomas","url":"https:\/\/www.smolio.ch\/en\/wissen\/author\/thomas\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8570","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/comments?post=8570"}],"version-history":[{"count":2,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8570\/revisions"}],"predecessor-version":[{"id":8877,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8570\/revisions\/8877"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/7947"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8570"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8570"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8570"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}