finpension Recenzje 53

Sehr professionell geführte Pensionskasse, sehr kompetente und hilfsbereite Mitarbeiter (insbes. Herr M. Atac), sehr interessante individuelle Anlagemöglichkeiten.

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I feel it is my duty to point out that this company will not release your retirement money when you permanently leave Switzerland and settle outside the European Union (which is a right afforded by the Swiss pension law), unless you pay them 3'000 CHF. They do, however, apply a much lower fee if you keep the money with finpension AG at least one year.

When I prompted them about this contractual condition, which was not visible at the time I signed the contract, they explained to me that this is in order to prevent "vested benefits tourism". However, the mere fact that the fee is burried deep in the contractual clause suggests this is not the real motivation. In my view, the real motivation is for finpension AG to keep managing your money, possibly under a retrocession (fee-sharing) agreement with UBS AG whose funds it distributes and promotes. Such agreements were the subject of much controversy more than a decade ago in Switzerland.

For if the real purpose were to prevent the movement of such funds, the fee would have been made much more visible and the client would have been warned about it. 3'000 CHF is not negligible at all.

I feel this contractual provision is highly inappropriate, as it conflicts with the personal financial goals of the client. Let me explain why:
1. The fact that overseas clients are not warned of these fees results in an outcome in which the client feels forced to keep his/her money in underperforming finpension AG funds, even though some might need the funds for urgent medical treatment or in order to prevent the application of new and much less favourable legal provisions that could, for example, block the withdrawal altogether
2. In many cases, professionals are highly mobile and they spend only a few years in Switzerland. Therefore, the 3'000 CHF fee is a very high proportion of the retirement fund.

I feel that what finpension AG is doing is a bit deceptive. While it domiciles its retirement foundation in Schwyz, a low-tax canton, to attract clients that want to withdraw their pension at low taxation rates, it also imposed a much less visible fee of 3'000 CHF for such withdrawals, which is very high in absolute value and not justified by the workload this company is supposed to do in order to validate the withdrawal.

These second pillar accounts that finpension AG manages are called Freizugigkeitskontos, in German. Translated in English, this expression alludes to the easy mobility of the funds. So the name the law gives to these accounts is at odds with the very high fees this company imposes.

The problem also lies in the fact that the company itself states that it imposes these costs with the very purpose of preventing the mobility of the funds. In so doing, finpension AG institutes a practice that comes in contradiction with the very spirit of the Swiss retirement laws, laws that provide for free movement of such funds.

Another reason for concern, which in this case is directed to FINMA, the Swiss financial regulator, is that FINMA does not seem to oppose the practice of asking for such high fees. This, in my view, casts a shadow on the reputation of ye regulatory authority.

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Sehr professionelle Firma. Tolle App, tolle Website und das wichtigste, toller und sehr hilfreicher Kundenservice via Chat ohne Chatbots! Sehr zu empfehlen

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Best fintech in Switzerland, all their products are absolutely amazing!

Herr Bieri konnte mir sehr schnell, kompetent und freundlich helfen. Ich bin sehr zufrieden.

Easy setup, good customer care service.

Schnell, freundlich und hilfsbereit, vielen Dank!

No doubts the best pillar 3a in Switzerland. It lets you choose 99% Equity Allocation (which is exactly what someone young would need, not financial advice). Also, lowest fees. I really can't find a single thing to complain about. Everything crafted to perfection

Semplicemente spettacolare. Sia per investimento pensionistico che per investimento libero, l'interfaccia e le condizioni sono fantastiche.