{"id":8822,"date":"2024-06-30T08:50:00","date_gmt":"2024-06-30T06:50:00","guid":{"rendered":"https:\/\/www.smolio.ch\/wissen\/findependent-experience-and-review-2024\/"},"modified":"2025-01-13T18:04:09","modified_gmt":"2025-01-13T17:04:09","slug":"findependent-experience-and-review-2024","status":"publish","type":"post","link":"https:\/\/www.smolio.ch\/en\/wissen\/findependent-experience-and-review-2024\/","title":{"rendered":"findependent Experience and review 2025"},"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\"> 9<\/span> <span class=\"rt-label rt-postfix\">Minuten<\/span><\/span>\n<p data-block-type=\"core\">findependent makes it possible to invest even small amounts in an ETF portfolio.\nAfter a few years of using findependent ourselves, we can share our findependent experience with you.\nEspecially since findependent is currently making a name for itself with crowdfunding.\nReason enough to report on our findependent experiences again.\nFind out in the article whether findependent is right for you.    <\/p>\n\n<!--more-->\n\n<h2 class=\"wp-block-heading\" id=\"h-wer-ist-findependent\">Who is findependent?<\/h2>\n\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-3e24a7f\" data-block-id=\"3e24a7f\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-3e24a7f-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-6e91c92\" data-v=\"4\" data-block-id=\"6e91c92\"><style>@media screen and (min-width: 768px){.stk-6e91c92 {flex:var(--stk-flex-grow, 1) 1 calc(71.2% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-6e91c92-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-6e91c92-inner-blocks\">\n<p data-block-type=\"core\">findependent is a highly interesting Swiss fintech company that wants to make investing with ETFs possible for everyone.\nfindependent was officially launched in February 2021.\nWe at Smolio have been following the development of findependent for a long time.\nWe conducted an <a href=\"https:\/\/www.smolio.ch\/en\/wissen\/finddependent-investment-app-investing-in-etfs-for-everyone-with-just-a-few-clicks\/\">interview<\/a> with founder Matthias Bryner back in 2021 and have spoken to him a few times since then.\nThe company is based in Lenzburg and the office is in Aarau.\nThe first investors were friends and family, followed by private start-up investors and the investment company Backbone Ventures.\nAround half of the company is still owned by the team around the founder.      <\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-183bc6f\" data-v=\"4\" data-block-id=\"183bc6f\"><style>@media screen and (min-width: 768px){.stk-183bc6f {flex:var(--stk-flex-grow, 1) 1 calc(28.799999999999997% - var(--stk-column-gap, 0px) * 1 \/ 2 ) !important;}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-183bc6f-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-183bc6f-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-b400ff6\" data-block-id=\"b400ff6\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7973\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024.webp\" width=\"1536\" height=\"1537\" alt=\"findependent experiences 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024.webp 1536w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024-800x801.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024-315x315.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024-768x769.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024-360x360.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024-300x300.webp 300w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143646\/findependent-Erfahrungen-2024-400x400.webp 400w\" sizes=\"auto, (max-width: 1536px) 100vw, 1536px\" \/><\/span><\/figure><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n<p data-block-type=\"core\">Matthias and his team have extensive expertise in finance and technology.\nThe platform is aimed at private investors and offers them simple and inexpensive options for asset management. <\/p>\n\n<p data-block-type=\"core\">More than 12,000 customers (June 2024) manage CHF 120 million there, with around 1,000 new customers joining every month in the second quarter of 2024.\nCustomer ratings on various platforms are very positive, with app ratings of 4.7 stars in the App Store and 4.8 stars in the Play Store (with 700 ratings). <\/p>\n\n<nav class=\"wp-block-stackable-table-of-contents stk-block-table-of-contents stk-block stk-302df39 stk-block-background\" data-block-id=\"302df39\"><p class=\"stk-table-of-contents__title\"><strong>We take a look at these topics in the field report:<\/strong><\/p><ul class=\"stk-table-of-contents__table\"><li><a href=\"#h-wer-ist-findependent\">Who is findependent?<\/a><ul><\/ul><\/li><li><a href=\"#welche-anlagestrategien-gibt-es-bei-findependent\">What investment strategies are available with findependent?<\/a><\/li><li><a href=\"#h-welche-kosten-fallen-bei-findependent-an\">What are the costs for findependent?<\/a><\/li><li><a href=\"#h-unsere-findependent-erfahrungen-zur-kontoeroffnung\">Our findependent experience of opening an account<\/a><\/li><li><a href=\"#h-unsere-findependent-erfahrungen-2024-diese-punkte-sind-ziemlich-einzigartig\">Our findependent experience in 2025: These points are quite unique<\/a><\/li><li><a href=\"#h-findependent-erfahrungen-welche-vorteile-bietet-findependent-gegenuber-truewealth-und-finpension\">findependent experiences: what advantages does findependent offer compared to Truewealth and finpension?<\/a><\/li><li><a href=\"#h-welche-nachteile-hat-findependent\">What are the disadvantages of findependent?<\/a><\/li><li><a href=\"#h-wie-sicher-ist-findependent\">How safe is findependent?<\/a><\/li><li><a href=\"#h-was-ist-das-ziel-des-findependent-crowdinvestings-2024\">What is the goal of findependent crowdinvesting 2024?<\/a><\/li><li><a href=\"#zusammenfassung-leistungsmerkmale\">Summary of performance features<\/a><\/li><\/ul><\/nav>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-085a318 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-085a318-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-085a318-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-085a318 h1,.ugb-085a318 h2,.ugb-085a318 h3,.ugb-085a318 h4,.ugb-085a318 h5,.ugb-085a318 h6{color:#ffffff}.ugb-085a318 p,.ugb-085a318 li,.ugb-085a318 label,.ugb-085a318 table{color:#ffffff}.ugb-085a318-content-wrapper > h1,.ugb-085a318-content-wrapper > h2,.ugb-085a318-content-wrapper > h3,.ugb-085a318-content-wrapper > h4,.ugb-085a318-content-wrapper > h5,.ugb-085a318-content-wrapper > h6{color:#ffffff}.ugb-085a318-content-wrapper > p,.ugb-085a318-content-wrapper > ol li,.ugb-085a318-content-wrapper > ul li{color:#ffffff}.ugb-085a318 a,.ugb-085a318 a:visited,.ugb-085a318 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-085a318-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-085a318-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-jetzt-von-3-000-franken-gratis-vermogensverwaltung-profitieren\">Benefit now from 3,000 francs free asset management at findependent <\/h3>\n\n\n\n<p 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 voucher code <strong>Smolio<\/strong> when opening an account and have your first 3,000 francs managed free of charge for life.\nHow to get the discount: enter the voucher code Smolio when opening an account and deposit 500 francs or more. <\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-38be4a0\" data-block-id=\"38be4a0\"><style>.stk-38be4a0 .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-38be4a0 .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-38be4a0 .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-1f879d2\" data-block-id=\"1f879d2\"><style>.stk-1f879d2 .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:\/\/findependent.ch\/app-download\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">findependent Activate voucher code  <\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-06b3c7f\" id=\"welche-anlagestrategien-gibt-es-bei-findependent\" data-block-id=\"06b3c7f\"><h2 class=\"stk-block-heading__text\">What investment strategies are available with findependent?<\/h2><\/div>\n\n<p data-block-type=\"core\">findependent offers five ready-made investment solutions with different equity ratios and performance features.\nThe total costs stated include management and custody fees as well as product costs. <\/p>\n\n<div class=\"embed-container\"><iframe title=\"findependent Anlagestrategien\" aria-label=\"table\" id=\"datawrapper-chart-o3LHf\" src=\"https:\/\/datawrapper.dwcdn.net\/o3LHf\/1\/\" scrolling=\"no\" frameborder=\"0\" style=\"width: 0; min-width: 100% !important; border: none;\" height=\"343\" 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 data-block-type=\"core\">In addition, findependent offers the option of putting together an individual investment solution from around 30 pre-selected ETFs. This option is available from an investment amount of CHF 5,000 and is subject to the same fees as the ready-made investment solutions.<\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-bd0a5cf\" data-block-id=\"bd0a5cf\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7980\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144130\/Smolio-Blog-Findependent-Erfahrungen-2024-1.webp\" width=\"1200\" height=\"800\" alt=\"findependent experience and review 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144130\/Smolio-Blog-Findependent-Erfahrungen-2024-1.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144130\/Smolio-Blog-Findependent-Erfahrungen-2024-1-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144130\/Smolio-Blog-Findependent-Erfahrungen-2024-1-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144130\/Smolio-Blog-Findependent-Erfahrungen-2024-1-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144130\/Smolio-Blog-Findependent-Erfahrungen-2024-1-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144130\/Smolio-Blog-Findependent-Erfahrungen-2024-1-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-welche-kosten-fallen-bei-findependent-an\">What are the costs for findependent?<\/h2>\n\n<p data-block-type=\"core\">There are three types of costs for findependent:<\/p>\n\n<ol class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Degressive management and custody fees<\/strong>: No management and custody fees are charged for the first CHF 2,000. From CHF 2,000, the management and custody fee is 0.40 % per year. From CHF 50,000, the flat fee falls to 0.35 % and in further steps to 0.29 % p.a. <strong>Use our voucher code Smolio to have even CHF 3,000 managed free of charge - for life.<\/strong>  <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Product costs for the ETF<\/strong>: 0.12 % to 0.23 % per year, depending on the investment amount and the selected investment solution.<\/li>\n\n\n\n<li data-block-type=\"core\"><strong>External costs when buying and selling ETFs:<\/strong> stamp duty, exchange rate surcharges for ETFs in foreign currencies and trading spreads<\/li>\n<\/ol>\n\n<p data-block-type=\"core\">There are no extra fees for deposits\/withdrawals and no transaction fees.<\/p>\n\n<p data-block-type=\"core\">We find that, overall, findependent offers a transparent and fair fee structure that is significantly more favorable compared to traditional asset managers.\nThe ongoing costs range from 0.52 % to 0.65 % depending on the strategy, with the first 2,000 francs even being permanently free of charge.\nfindependent offers a <a href=\"https:\/\/findependent.ch\/details-zu-kosten\/\" target=\"_blank\" rel=\"noopener\">cost calculator<\/a> on its website, which you can use to calculate the expected costs for your own investment amount.  <\/p>\n\n<figure class=\"wp-block-image size-full\" data-block-type=\"core\"><a href=\"https:\/\/app.findependent.ch\/onboarding\/\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1606\" height=\"903\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu.webp\" alt=\"findependent Experience and review 2025\" class=\"wp-image-5059\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu.webp 1606w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu-400x225.webp 400w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu-800x450.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu-315x177.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu-768x432.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu-1536x864.webp 1536w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu-1200x675.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2021\/08\/23212356\/2021-06_Findependent-C2A-neu-360x202.webp 360w\" sizes=\"auto, (max-width: 1606px) 100vw, 1606px\" \/><\/a><\/figure>\n\n<h2 class=\"wp-block-heading\" id=\"h-unsere-findependent-erfahrungen-zur-kontoeroffnung\">Our findependent experience of opening an account<\/h2>\n\n<p data-block-type=\"core\">The registration process is user-friendly and efficient and can be completed in 10 minutes:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Online registration\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Download the findependent app on your smartphone<\/li>\n\n\n\n<li data-block-type=\"core\">Start the app and begin the account opening process.<\/li>\n\n\n\n<li data-block-type=\"core\">Enter your name, your cell phone number and your e-mail address.  <\/li>\n\n\n\n<li data-block-type=\"core\">Verify your cell phone number.<\/li>\n\n\n\n<li data-block-type=\"core\">Use the voucher code <strong>Smolio<\/strong> when opening an account and benefit from a higher fee discount for life.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li data-block-type=\"core\">Create investment profile\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Answer the questions about your investment character, your investment objectives, your risk tolerance and your knowledge.<\/li>\n\n\n\n<li data-block-type=\"core\">findependent suggests a suitable investment solution based on your answers.\nYou can accept this suggestion or choose a different strategy. <\/li>\n<\/ul>\n<\/li>\n\n\n\n<li data-block-type=\"core\">Identity check\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">Take a photo of the front and back of your ID\/passport.<\/li>\n\n\n\n<li data-block-type=\"core\">Take a scan of your face for identity verification.<\/li>\n\n\n\n<li data-block-type=\"core\">Sign the contract digitally in the app.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li data-block-type=\"core\">Account opening\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\">As soon as your profile has been created, you can deposit money.\nThe minimum investment amount has been lowered to 500 francs to support the vision of \"Investing money for everyone\". <\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n<p data-block-type=\"core\">Conclusion: The registration process is quick and easy.\nIdentity verification via Video-Ident is convenient and saves time compared to traditional methods. <\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-1d42913\" data-block-id=\"1d42913\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7996\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29222611\/findependent_Einladungscode_Smolio.webp\" width=\"1200\" height=\"800\" alt=\"findependent invitation code Smolio\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29222611\/findependent_Einladungscode_Smolio.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29222611\/findependent_Einladungscode_Smolio-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29222611\/findependent_Einladungscode_Smolio-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29222611\/findependent_Einladungscode_Smolio-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29222611\/findependent_Einladungscode_Smolio-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29222611\/findependent_Einladungscode_Smolio-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-unsere-findependent-erfahrungen-2024-diese-punkte-sind-ziemlich-einzigartig\">Our findependent experience in 2025: These points are quite unique<\/h2>\n\n<p data-block-type=\"core\"><strong>Investing for children: <\/strong>The long investment horizon of children and young people makes them ideal for investing in shares. Thanks to the option of investing for children, you can use findependent to make simple and flexible provisions for your offspring or a godchild at an early stage. To do this, you need to open your own findependent account and add a separate investment goal in the app. The investments at findependent legally belong to you until you later transfer them to the child or have them paid out. As soon as the child reaches the age of majority, they can open their own findependent account and you can transfer your target's investments to them free of charge. To do this, simply select \"Transfer\" for your target in the findependent app.     <\/p>\n\n<p data-block-type=\"core\"><strong>Low entry hurdle:<\/strong> With a low minimum investment of just 500 francs, findependent makes it possible for practically anyone who wants to do so to enter the world of investing.\nIn addition, no management or custody fees are charged for the first 2,000 francs of assets, which makes it even easier to get started.\nThis compares with a minimum investment of CHF 8,500 with Truewealth.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-findependent-erfahrungen-welche-vorteile-bietet-findependent-gegenuber-truewealth-und-finpension\">findependent experiences: what advantages does findependent offer compared to Truewealth and finpension?<\/h2>\n\n<p data-block-type=\"core\">Our findependent experience shows that the solution is characterized by the following points compared to competitors such as True Wealth or finpension:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Cost structure<\/strong>: findependent offers a lower management fee (0.40% p.a.) compared to True Wealth (0.50% p.a.), but a comparable or slightly higher ETF cost structure compared to finpension.\nAs already mentioned, the first CHF 2,000 are free of charge. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Simplicity and ease of use<\/strong>: findependent offers an uncomplicated investment process that is particularly suitable for beginners.\nThe app has a simple and clear design, which makes it very easy to use. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Flexibility<\/strong>: findependent offers various predefined investment strategies to choose from.\nIn addition, you can put together your own ETF investment solution from an investment volume of CHF 5,000. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Transparency<\/strong>: findependent's cost structure is clear and understandable.\nThe company also provides detailed information on the ETFs used, which ensures transparency in the investment process. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Children's custody accounts<\/strong>: findependent makes it possible to open separate investment goals for children and transfer them later free of charge.\nThis enables parents to start making financial provision for their children at an early stage. <\/li>\n<\/ul>\n\n<p data-block-type=\"core\">In our view, these advantages make findependent particularly attractive for beginners and cost-conscious investors who want to invest their money themselves, simply and transparently.<\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-5817458\" data-block-id=\"5817458\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7976\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143929\/Smolio-Blog-Findependent-Erfahrungen-2024-2.webp\" width=\"1200\" height=\"800\" alt=\"findependent experience and review 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143929\/Smolio-Blog-Findependent-Erfahrungen-2024-2.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143929\/Smolio-Blog-Findependent-Erfahrungen-2024-2-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143929\/Smolio-Blog-Findependent-Erfahrungen-2024-2-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143929\/Smolio-Blog-Findependent-Erfahrungen-2024-2-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143929\/Smolio-Blog-Findependent-Erfahrungen-2024-2-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29143929\/Smolio-Blog-Findependent-Erfahrungen-2024-2-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-welche-nachteile-hat-findependent\">What are the disadvantages of findependent?<\/h2>\n\n<p data-block-type=\"core\">Despite the many advantages, our findependent experience also shows a few disadvantages:<\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>No flat rate for administration and product costs<\/strong>: the product costs are added to the fees for findependent.\nThere is no real \"all-in\" fee that is transparently comparable. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Restrictions in the investment universe<\/strong>: findependent mainly offers equities and bonds.\nAlternative asset classes such as commodities are missing from the standard portfolios. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Exchange rate fees<\/strong>: at 0.5 %, there is still room for improvement.<\/li>\n\n\n\n<li data-block-type=\"core\"><strong>App-based only<\/strong>: findependent is only accessible via a smartphone app.\nThere is no desktop version. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>No 3a pillar<\/strong>: Unlike truewealth or finpension, there is currently no pillar 3a offer.<\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Disadvantageous management fee for large investment sums:<\/strong> Although the fees are very low compared to traditional banks and comparable providers and gradually decrease from investment sums of &gt;50,000 (unlike with finpension, for example), the management fee of 0.4 % of the investment sum is higher than if you manage your portfolio yourself. With a renowned Swiss online bank, for example, you only pay CHF 100 p.a. up to investment sums of CHF 100,000, which corresponds to 0.1 %.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\" id=\"h-wie-sicher-ist-findependent\">How safe is findependent?<\/h2>\n\n<p data-block-type=\"core\">findependent attaches great importance to the security and protection of client assets.\nIn 2023, they received approval from the Swiss Financial Market Supervisory Authority FINMA as a licensed asset manager and are therefore subject to regulatory supervision.\nThe company opens accounts for its clients at Hypothekarbank Lenzburg.<br\/>Here are the most important security features in detail:  <\/p>\n\n<ul class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>FINMA regulation<\/strong>.\nThis supervision ensures that all legal requirements and regulations are complied with. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Protection of customer deposits up to an amount of CHF 100,000<\/strong> by the Swiss deposit protection scheme (esisuisse).\nThis means that even in the event of Hypothekarbank Lenzburg's insolvency, deposits are protected up to this amount.\nIn the event of findependent's bankruptcy, customer deposits are not affected anyway, as they are not held by findependent itself, but by the bank.  <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Custody of client funds at Hypothekarbank Lenzburg<\/strong>.\nThe clients' securities belong to them at all times and are not included in the bank's balance sheet, but are so-called special assets.\nIn the event of the Hypothekarbank's bankruptcy, the client deposits would not form part of the bank's bankruptcy estate, but could be transferred to another bank.  <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Modern encryption technologies and security protocols<\/strong> to protect customers' data and transactions.\nThis includes SSL encryption and regular security checks. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Regular reports and a transparent presentation<\/strong> of investment strategies and costs ensure that customers are informed about the status of their investments at all times and can understand how their money is being managed.<\/li>\n<\/ul>\n\n<p data-block-type=\"core\">These security features show that findependent attaches great importance to the protection of client funds and data.\nIn our view, findependent offers a high level of security for investors.\nClient funds are clearly separated from the assets of the company and the custodian bank.  <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-was-ist-das-ziel-des-findependent-crowdinvestings-2024\">What is the goal of findependent crowdinvesting 2024?<\/h2>\n\n<p data-block-type=\"core\">The company pursues two main objectives with crowdinvesting:<\/p>\n\n<ol class=\"wp-block-list\" data-block-type=\"core\">\n<li data-block-type=\"core\"><strong>Customer loyalty<\/strong>: The most important aspect for findependent is to bind existing customers more closely to the company by allowing them to become co-owners.\nBryner emphasizes that customer loyalty is even more important than fresh capital. <\/li>\n\n\n\n<li data-block-type=\"core\"><strong>Raising capital<\/strong>: Although it is not the main goal, findependent would like to raise additional funds through crowdinvesting.\nThe company is aiming to raise at least CHF 2 million, with the possibility of increasing this to a maximum of CHF 5 million if the campaign is very successful. <\/li>\n<\/ol>\n\n<p data-block-type=\"core\">findependent deliberately issues participation certificates instead of shares with voting rights.\nThis indicates that the company wants customers to participate financially, but wants to retain control over the management of the company.\nBryner says that this decision was made primarily for administrative reasons.  <\/p>\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-6b1b864\" data-block-id=\"6b1b864\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img loading=\"lazy\" decoding=\"async\" class=\"stk-img wp-image-7978\" src=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144046\/Smolio-Blog-Findependent-Erfahrungen-2024-3.webp\" width=\"1200\" height=\"800\" alt=\"findependent experience and review 2024\" title=\"\" srcset=\"https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144046\/Smolio-Blog-Findependent-Erfahrungen-2024-3.webp 1200w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144046\/Smolio-Blog-Findependent-Erfahrungen-2024-3-800x533.webp 800w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144046\/Smolio-Blog-Findependent-Erfahrungen-2024-3-315x210.webp 315w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144046\/Smolio-Blog-Findependent-Erfahrungen-2024-3-768x512.webp 768w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144046\/Smolio-Blog-Findependent-Erfahrungen-2024-3-360x240.webp 360w, https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29144046\/Smolio-Blog-Findependent-Erfahrungen-2024-3-400x267.webp 400w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/span><\/figure><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"zusammenfassung-leistungsmerkmale\">Summary of performance features<\/h2>\n\n<figure class=\"wp-block-table\" data-block-type=\"core\"><table><thead><tr><th>Criterion<\/th><th>Implementation<\/th><\/tr><\/thead><tbody><tr><td>Flat fee<\/td><td>There are none.\nFrom CHF 2,001 to CHF 50,000, the management fee is 0.40 % per year; smaller assets are managed without fees.\nFrom CHF 50,000, the fee decreases further in steps to 0.29 %.\nIn addition to the management fee, there are product costs of 0.12 % to 0.23 % per year, which depend on the investment strategy, exchange rate surcharges of a maximum of 0.5 % for purchases and sales of ETFs in foreign currencies, as well as stamp duties and stock exchange fees.   <\/td><\/tr><tr><td>Maximum number of portfolios<\/td><td>No limit  <\/td><\/tr><tr><td>Maximum share quota<\/td><td>98 %<\/td><\/tr><tr><td>Investment products<\/td><td>The investment solutions consist of a selection of around 30 pre-selected ETFs.\nThe ETFs cover various asset classes (equities, bonds, real estate and gold).\nFrom an investment volume of CHF 5,000, customers can also put together their own ETF investment solutions from these 30 ETFs.  <\/td><\/tr><tr><td>Fund provider<\/td><td>iShares, UBS, Vanguard. To the <a href=\"https:\/\/findependent.ch\/wp-content\/uploads\/2024\/04\/ETF-Liste-DE.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">list <\/a>  <\/td><\/tr><tr><td>Supported languages<\/td><td>DE, EN, FR<\/td><\/tr><tr><td>Sustainable investments<\/td><td>Sustainable ETFs can be used as part of your own investment solution.\nfindependent identifies particularly sustainable ETFs.   <\/td><\/tr><tr><td>Mobile application<\/td><td>Yes<\/td><\/tr><tr><td>Desktop application<\/td><td>No<\/td><\/tr><tr><td>Custodian bank<\/td><td>Hypothekarbank Lenzburg (HBL)<\/td><\/tr><tr><td>Market offer since<\/td><td>2021 (official)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n<h2 class=\"wp-block-heading\" id=\"h-zusammenfassung-findependent-erfahrungen-und-review-2024\">Summary findependent Experience and review 2025<\/h2>\n\n<p data-block-type=\"core\">findependent wants to make investing as easy as possible.\nTo this end, they offer a user-friendly, transparent and modern platform.\nThis is characterized by simple handling and low entry barriers.\nSecurity features such as FINMA regulation and the separate safekeeping of client funds at Hypothekarbank Lenzburg offer a high level of protection.   <\/p>\n\n<p data-block-type=\"core\">In addition, findependent is one of the cheapest digital asset managers in Switzerland.\nSince our voucher code <strong>Smolio<\/strong> even allows you to manage your first 3,000 francs free of charge for life, you can simply try out findependent without obligation and test whether the investment app meets your investment needs. <\/p>\n\n<p data-block-type=\"core\">findependent's investment solutions are therefore an exciting option if simplicity, low entry barriers and low management fees are particularly important to you in a robo-advisor.<\/p>\n\n<div class=\"wp-block-ugb-container ugb-container ugb-085a318 ugb-container--v2 ugb-container--design-basic ugb-main-block\" data-block-type=\"core\" data-block-type=\"core\"><style>.ugb-085a318-wrapper.ugb-container__wrapper{border-radius:0px !important;background-color:#02b875 !important}.ugb-085a318-wrapper.ugb-container__wrapper:before{background-color:#02b875 !important}.ugb-085a318 h1,.ugb-085a318 h2,.ugb-085a318 h3,.ugb-085a318 h4,.ugb-085a318 h5,.ugb-085a318 h6{color:#ffffff}.ugb-085a318 p,.ugb-085a318 li,.ugb-085a318 label,.ugb-085a318 table{color:#ffffff}.ugb-085a318-content-wrapper > h1,.ugb-085a318-content-wrapper > h2,.ugb-085a318-content-wrapper > h3,.ugb-085a318-content-wrapper > h4,.ugb-085a318-content-wrapper > h5,.ugb-085a318-content-wrapper > h6{color:#ffffff}.ugb-085a318-content-wrapper > p,.ugb-085a318-content-wrapper > ol li,.ugb-085a318-content-wrapper > ul li{color:#ffffff}.ugb-085a318 a,.ugb-085a318 a:visited,.ugb-085a318 a:focus{color:#ffffff}<\/style><div class=\"ugb-inner-block\"><div class=\"ugb-block-content\"><div class=\"ugb-container__wrapper ugb-085a318-wrapper\"><div class=\"ugb-container__side\"><div class=\"ugb-container__content-wrapper ugb-085a318-content-wrapper\">\n<h3 class=\"wp-block-heading\" id=\"h-jetzt-von-3-000-franken-gratis-vermogensverwaltung-profitieren\">Benefit now from 3,000 francs free asset management at findependent <\/h3>\n\n\n\n<p 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 voucher code <strong>Smolio<\/strong> when opening an account and have your first 3,000 francs managed free of charge for life.\nHow to get the discount: enter the voucher code Smolio when opening an account and deposit 500 francs or more. <\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-ko04jbo\" data-block-id=\"ko04jbo\"><style>.stk-ko04jbo .stk-button-group{flex-direction:row !important;}@media screen and (max-width: 1023px){.stk-ko04jbo .stk-button-group{flex-direction:row !important;}}@media screen and (max-width: 767px){.stk-ko04jbo .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-azwk8g4\" data-block-id=\"azwk8g4\"><style>.stk-azwk8g4 .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:\/\/findependent.ch\/app-download\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"stk-button__inner-text\">findependent Activate 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\" 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 data-block-type=\"core\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>findependent is a highly interesting Swiss fintech that wants to make investing with ETFs possible for everyone.<br \/>\nDiscover our experiences after a few years of use &#8211; is findependent right for you? <\/p>\n","protected":false},"author":8,"featured_media":7986,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2208,2207,2209],"tags":[2210,2406,2213,2346,2211,2212,2384,2215,2263],"class_list":{"0":"post-8822","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-investing-in-the-stock-market","8":"category-build-investment-portfolio","9":"category-financial-independence","10":"tag-etf-en","11":"tag-featured-post-en","12":"tag-finddependent","13":"tag-fund-etf-management-costs","14":"tag-invest-for-the-long-term","15":"tag-invest-smart","16":"tag-investing-in-the-financial-market","17":"tag-savings-plan","18":"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\/29151348\/Findependent-Erfahrungen.webp",1200,800,false],"thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-315x210.webp",315,210,true],"medium":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-800x533.webp",800,533,true],"medium_large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-768x512.webp",768,512,true],"large":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen.webp",1140,760,false],"1536x1536":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen.webp",1200,800,false],"2048x2048":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen.webp",1200,800,false],"davenport-blog-thumb":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-1140x694.webp",1140,694,true],"davenport-blog-thumb-grid":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-555x360.webp",555,360,true],"davenport-blog-thumb-widget":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-220x180.webp",220,180,true],"davenport-blog-thumb-masonry":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-360x240.webp",360,240,true],"woocommerce_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-300x300.webp",300,300,true],"woocommerce_single":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-400x267.webp",400,267,true],"woocommerce_gallery_thumbnail":["https:\/\/smolio-storage.s3.eu-central-1.amazonaws.com\/wp-content\/uploads\/2024\/06\/29151348\/Findependent-Erfahrungen-300x300.webp",300,300,true]},"post_excerpt_stackable_v2":"<p>findependent is a highly interesting Swiss fintech that wants to make investing with ETFs possible for everyone.<br \/>\nDiscover our experiences after a few years of use &#8211; is findependent right for you? <\/p>\n","category_list_v2":"<a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/investing-in-the-stock-market\/\" rel=\"category tag\">Investing in the stock market<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/build-investment-portfolio\/\" rel=\"category tag\">Build investment portfolio<\/a>, <a href=\"https:\/\/www.smolio.ch\/en\/finanzthemen\/financial-independence\/\" rel=\"category tag\">Financial independence<\/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\/8822","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=8822"}],"version-history":[{"count":5,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8822\/revisions"}],"predecessor-version":[{"id":9859,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/posts\/8822\/revisions\/9859"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media\/7986"}],"wp:attachment":[{"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/media?parent=8822"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/categories?post=8822"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.smolio.ch\/en\/wp-json\/wp\/v2\/tags?post=8822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}