Investing in ETFs the easy way
The best ETFs combined in our investment solutions. From as little as CHF 500.
Your money and investments are safely stored in your personal account at Hypothekarbank Lenzburg.
Invest simply in ETFs
The best ETFs combined in our investment solutions. From as little as CHF 500.
Get our App!
Straightforward investment solutions
Simply choose one of our 5 sustainable findependent investment solutions or put together own ETF portfolio. You decide about timing and amount of your deposits.
We invest all your deposits automatically while monitoring the financial markets for you.
Straightforward investment solutions
Simply choose one of our 5 sustainable findependent investment solutions or put together own ETF portfolio. You decide about timing and amount of your deposits.
We invest all your deposits automatically while monitoring the financial markets for you.
Cheapest digital asset manager
Thanks to the lowest management and custody fees in Switzerland, the vast majority of the return stays in your pocket.
What’s more, you pay no transaction fees (brokerage fees) and invest CHF 2,000 free of charge for life. So you can convince yourself of us.
Cheapest digital asset manager
Thanks to the lowest management and custody fees in Switzerland, the vast majority of the return stays in your pocket.
What’s more, you pay no transaction fees (brokerage fees) and invest CHF 2,000 free of charge for life. So you can convince yourself of us.
App with personal service
We are an established team of experts and provide you with fast support and advice at eye level.
The renowned Prof Dr Thorsten Hens from the University of Zurich strengthens our investment committee responsible for ETF selection.
App with personal service
We are an established team of experts and provide you with fast support and advice at eye level.
The renowned Prof Dr Thorsten Hens from the University of Zurich strengthens our investment committee responsible for ETF selection.
Scan this QR code and download the findependent investment app to your smartphone
Download our app
What others say
4.7
more than 800 reviews in App Store and Google Play Store
Thanks to findependent, establishing an ETF savings plan in Switzerland is made easy. The exceptional selection of ETFs and the low fees, in particular, contribute to the attractiveness of findependent.
Practical investment solution, very easy to use. Definitely something that will pay off in the future. I can only recommend it.
Findependent is a great investment solution where you can start for free with as little as 500 francs. And the running costs are very low in comparison.
Minimal effort for a fair and clever investment solution ‒ should be used by absolutely everyone who can put some money aside.
The app’s great! Especially because the fees are so low and I can see straight away how much I have earned with my investments.
Findependent is inexpensive, transparent and customisable. Particularly exciting? You can open various investment goals with an individual strategy!
I experience findependent as an easy way to invest responsibly. Fun!
Great product! Simple, clear, extremely flexible. Power from Aarau. I’m comfortably paying in every month with a standing order. The only thing is that at the beginning, as an over-45, it took me a little more than 15 minutes to register – but it was child’s play.
findependent proves that investing can be very simple. But that’s not all: the scientifically based investment approach, the high level of transparency and the fair fees are further strong arguments in favour of findependent for me.
Compared to products I am familiar with, findependent offers a somewhat different investment solution – reduced to the essentials, communicated in a refreshing way and cleverly made digital. Just the right thing in this day and age. I like that!
findependent impresses with easily accessible investment solutions and favourable fees. Thanks to the modern investment app, you can easily keep track of the development of your assets.
Make more out of your savings
Save cleverly for the future and live your life to the fullest with findependent
Your advantage with findependent* CHF 0
* We calculate with 0.5% interest on the savings account and for the forecasts the past performance based on index data, minus management fee, custody fee and ETF costs since 2005 is used (net return). It is not a guarantee for the future market performance. The actual asset value achieved may differ significantly from the forecasts.
No compromise on safety
Thanks to our experienced partner bank
Why findependent?
Cheapest ETF investment app
No other digital asset manager has lower fees
Experienced Team
Fast and comprehensive support,
communication at eye level
Understandable app
Simple handling,
full transparency
Digital account opening – register without any paperwork in around 15 minutes and free of charge.
Start free of fees – invest the first CHF 2’000 without management and custody fees and start from as little as CHF 500.
Tiered fees – benefit from tiered fee reductions for investments amounts of CHF 50’000 or more.
No extra cost for deposits and withdrawals – you decide when and how much you invest and take your money back at any time.
No minimum contract period – freely decide how long you stay and pay no balancing charges when you leave.
Digital account opening – no paperwork, no costs, in 15 minutes.
Start free of fees – start with CHF 500, CHF 2’000 without fees.
Tiered fees – tiered fee reductions from CHF 50’000.
No extra cost – deposits and withdrawals are free of charge.
No minimum contract period – you decide how long you stay.
Download the findependent app!
FAQs – frequently asked questions and answers about findependent
How many clients does findependent have?
findependent has more than 15,000 clients who use our investment app and actively invest money with us.
How does findependent earn money?
You pay us an asset management fee (0.20%), which together with the custody account fee amounts to 0.40% (or less, for investment sums of CHF 50,000 or more). The fee is calculated on the value of your investment solution at the end of each quarter and debited directly to your findependent account.
Is findependent safe?
findependent is a FINMA-licensed asset manager. FINMA is the Swiss Financial Market Supervisory Authority. Your funds are held securely in a securities custody account with our partner bank. All ETF investments are not included in the liquidation assets, neither in the event of the bankruptcy of findependent nor of our partner bank. The ETFs are special assets. Only the 2% of your investment amount, which is always held in your findependent transitory account, falls into the bankruptcy estate. However, you are protected up to CHF 100,000 by the depositor protection.
How much interest does findependent pay?
The findependent account only holds 2% of your investment amount, we do not pay interest on this. In the past, the findependent investment solutions returned between 2.9% and 5.8% per year (on average over a period of several years and net, i.e. after deduction of all costs).
What to do with the money in your savings account?
With a broad-based and favourable investment solution, you can benefit from long-term economic growth. This allows you to make more of your money and prevents the purchasing power of your savings from falling due to inflation. With a medium risk appetite, you can expect an average annual return of around 5% over a longer-term investment horizon.
How can I invest money without risk?
Nothing happens entirely without risk. Even a savings account harbours risks, in this case in the form of a loss of purchasing power due to inflation. However, if you invest in a broad-based investment solution, you can significantly reduce the fluctuation risks. With a long-term investment period, the probability of success can even rise towards 100%.
What is the best way to become wealthy?
Invest your money instead of letting it sit in your account. Use simple, favourable and transparent investment solutions that invest in a broad range of ETFs.
How much money does a normal person have in their Swiss bank account?
A sensible nest egg is 3 to 6 months’ wages, but this depends heavily on the individual situation (income level, total assets, liabilities, etc.).
What should I invest in?
Invest broadly and make sure that the instruments used are cost-effective. Investment solutions that rely on ETFs have proven their worth. The longer the investment horizon, the higher the proportion of equity ETFs can be. The shorter the investment horizon, the more different asset classes you should hold, such as bond ETFs, property ETFs and precious metal ETFs.
Get the app
Follow us on Social Media
