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About us & knowledge
ETF investment solutions from findependent
You simply choose one of our five sustainable investment solutions, we take care of the rest.
ETF investment solutions from findependent
You simply choose one of our five sustainable investment solutions, we take care of the rest.
Your ETF investment solutions from findependent
You simply choose one of our five sustainable investment solutions, we take care of the rest.
ETF investment solutions from findependent
You simply choose one of our five sustainable investment solutions, we take care of the rest.
Here is what's inside your investment solution
Here is what's inside your investment solution
Choose your investment solution:
Careful
Cautious
Balanced
Brave
Risky
Choose your investment focus: (i)
Standard
Switzerland
Global
Risk/return
medium
Performance
(as of 31 August 2026)
ETFs used
(G)=Grow | (S)=Start (i)
Art
ETF name
ISIN
TER
Share
Allocation in detail
Refers to Grow
Split by equities
20%
60% abroad, 40% Switzerland, or in other words: Global diversification with a focus on Switzerland. You invest in around 3'750 companies across 44 countries.
Why this focus on Switzerland?
There are several reasons for Swiss equities, such as tax benefits and no foreign currency risk.
Nevertheless, the Swiss stock market is heavily dependent on a few sectors (pharma and consumer goods). For instance, Nestlé, Novartis, and Roche account for one third of the SPI. That's why we add 80 mid-sized Swiss companies like Logitech, Schindler, or Helvetia.
But we bring the the whole world on board for you. The breakdown across different countries and regions is based on the size of their capital markets. Outside Switzerland, we exclusively choose sustainable ETFs that avoid investments in nuclear power, coal, or weapons.
These are your largest equity positions (share in % of your investment solution):
Switzerland:
Roche
2.5
%
|
Novartis
2.4
%
|
Nestlé
2
%
|
ABB
1.4
%
|
UBS
1.2
%
|
Global:
Nvidia
1.8
%
|
Apple
1.7
%
|
Alphabet (Google)
1.5
%
|
Microsoft
1
%
|
Amazon
0.9
%
|
Split by bonds
20%
First-class bonds are your rock in the surf. Even in times of crisis, they usually remain stable. 60% are held in solid corporate bonds in Swiss francs. These have no currency risk and, thanks to a high credit rating (investment grade), a low risk of default. 40% are invested in safe Swiss government bonds. All this brings peace of mind to your investment.
Split by real estate
20%
For real estate, we invest completely in Switzerland for you. The focus is on residential buildings, with office and commercial properties added to the mix. This allows you to participate in the long-term value appreciation of the Swiss real estate market.
We consciously rely only on pure real estate funds instead of shares in real estate companies. This increases the diversification effect compared to equities and brings more stability to your investment solution.
Liquidity
2%
We hold around 1% of your investment solution as a liquidity buffer in your account. That way, we don't have to sell any ETF shares when the next fee settlement is due, and we can use this buffer if your deposit or withdrawal amount is not exactly divisible by the ETF prices.
Choose your investment solution:
Careful
Cautious
Balanced
Brave
Risky
Choose your investment focus: (i)
Standard
Switzerland
Global
Risk/return
medium
Performance
(as of 31 August 2026)
ETFs used
(G)=Grow | (S)=Start (i)
Art
ETF name
ISIN
TER
Share
Allocation in detail
Refers to Grow
Split by equities
20%
60% abroad, 40% Switzerland, or in other words: Global diversification with a focus on Switzerland. You invest in around 3'750 companies across 44 countries.
Why this focus on Switzerland?
There are several reasons for Swiss equities, such as tax benefits and no foreign currency risk.
Nevertheless, the Swiss stock market is heavily dependent on a few sectors (pharma and consumer goods). For instance, Nestlé, Novartis, and Roche account for one third of the SPI. That's why we add 80 mid-sized Swiss companies like Logitech, Schindler, or Helvetia.
But we bring the the whole world on board for you. The breakdown across different countries and regions is based on the size of their capital markets. Outside Switzerland, we exclusively choose sustainable ETFs that avoid investments in nuclear power, coal, or weapons.
These are your largest equity positions (share in % of your investment solution):
Switzerland:
Roche
2.5
%
|
Novartis
2.4
%
|
Nestlé
2
%
|
ABB
1.4
%
|
UBS
1.2
%
|
Global:
Nvidia
1.8
%
|
Apple
1.7
%
|
Alphabet (Google)
1.5
%
|
Microsoft
1
%
|
Amazon
0.9
%
|
Split by bonds
20%
First-class bonds are your rock in the surf. Even in times of crisis, they usually remain stable. 60% are held in solid corporate bonds in Swiss francs. These have no currency risk and, thanks to a high credit rating (investment grade), a low risk of default. 40% are invested in safe Swiss government bonds. All this brings peace of mind to your investment.
Split by real estate
20%
For real estate, we invest completely in Switzerland for you. The focus is on residential buildings, with office and commercial properties added to the mix. This allows you to participate in the long-term value appreciation of the Swiss real estate market.
We consciously rely only on pure real estate funds instead of shares in real estate companies. This increases the diversification effect compared to equities and brings more stability to your investment solution.
Liquidity
2%
We hold around 1% of your investment solution as a liquidity buffer in your account. That way, we don't have to sell any ETF shares when the next fee settlement is due, and we can use this buffer if your deposit or withdrawal amount is not exactly divisible by the ETF prices.
Choose your investment solution:
Careful
Cautious
Balanced
Brave
Risky
Choose your investment focus: (i)
Standard
Switzerland
Global
Risk/return
medium
Performance
(as of 31 August 2026)
ETFs used
(G)=Grow | (S)=Start (i)
iShares Core SPI
18.0%
(G)
24.0%
(S)
UBS SPI Mid
6.0%
(G)
0.0%
(S)
iShares MSCI USA Screened
24.1%
(G)
29.4%
(S)
iShares MSCI Europe Screened
5.5%
(G)
6.6%
(S)
iShares MSCI Japan Screened
1.9%
(G)
0.0%
(S)
iShares MSCI Emerging Markets Screened
4.5%
(G)
0.0%
(S)
iShares Core Corporate Bond
17.4%
(G)
29.0%
(S)
iShares Swiss Government Bond
8.7%
(G)
0.0%
(S)
iShares Emerging Markets Bond
2.9%
(G)
0.0%
(S)
UBS SXI Real Estate Funds
10.0%
(G)
10.0%
(S)
Allocation in detail
Refers to Grow
Split by equities
20%
60% abroad, 40% Switzerland, or in other words: Global diversification with a focus on Switzerland. You invest in around 3'750 companies across 44 countries.
Why this focus on Switzerland?
There are several reasons for Swiss equities, such as tax benefits and no foreign currency risk.
Nevertheless, the Swiss stock market is heavily dependent on a few sectors (pharma and consumer goods). For instance, Nestlé, Novartis, and Roche account for one third of the SPI. That's why we add 80 mid-sized Swiss companies like Logitech, Schindler, or Helvetia.
But we bring the the whole world on board for you. The breakdown across different countries and regions is based on the size of their capital markets. Outside Switzerland, we exclusively choose sustainable ETFs that avoid investments in nuclear power, coal, or weapons.
These are your largest equity positions (share in % of your investment solution):
Switzerland:
Roche
2.5
%
|
Novartis
2.4
%
|
Nestlé
2
%
|
ABB
1.4
%
|
UBS
1.2
%
|
Global:
Nvidia
1.8
%
|
Apple
1.7
%
|
Alphabet (Google)
1.5
%
|
Microsoft
1
%
|
Amazon
0.9
%
|
Split by bonds
20%
First-class bonds are your rock in the surf. Even in times of crisis, they usually remain stable. 60% are held in solid corporate bonds in Swiss francs. These have no currency risk and, thanks to a high credit rating (investment grade), a low risk of default. 40% are invested in safe Swiss government bonds. All this brings peace of mind to your investment.
Split by real estate
20%
For real estate, we invest completely in Switzerland for you. The focus is on residential buildings, with office and commercial properties added to the mix. This allows you to participate in the long-term value appreciation of the Swiss real estate market.
We consciously rely only on pure real estate funds instead of shares in real estate companies. This increases the diversification effect compared to equities and brings more stability to your investment solution.
Liquidity
2%
We hold around 1% of your investment solution as a liquidity buffer in your account. That way, we don't have to sell any ETF shares when the next fee settlement is due, and we can use this buffer if your deposit or withdrawal amount is not exactly divisible by the ETF prices.
Choose your investment solution:
Careful
Cautious
Balanced
Brave
Risky
Choose your investment focus: (i)
Standard
Switzerland
Global
Risk/return
medium
Performance
(as of 31 August 2026)
ETFs used
(G)=Grow | (S)=Start (i)
iShares Core SPI
18.0%
(G)
24.0%
(S)
UBS SPI Mid
6.0%
(G)
0.0%
(S)
iShares MSCI USA Screened
24.1%
(G)
29.4%
(S)
iShares MSCI Europe Screened
5.5%
(G)
6.6%
(S)
iShares MSCI Japan Screened
1.9%
(G)
0.0%
(S)
iShares MSCI Emerging Markets Screened
4.5%
(G)
0.0%
(S)
iShares Core Corporate Bond
17.4%
(G)
29.0%
(S)
iShares Swiss Government Bond
8.7%
(G)
0.0%
(S)
iShares Emerging Markets Bond
2.9%
(G)
0.0%
(S)
UBS SXI Real Estate Funds
10.0%
(G)
10.0%
(S)
Allocation in detail
Refers to Grow
Split by equities
20%
60% abroad, 40% Switzerland, or in other words: Global diversification with a focus on Switzerland. You invest in around 3'750 companies across 44 countries.
Why this focus on Switzerland?
There are several reasons for Swiss equities, such as tax benefits and no foreign currency risk.
Nevertheless, the Swiss stock market is heavily dependent on a few sectors (pharma and consumer goods). For instance, Nestlé, Novartis, and Roche account for one third of the SPI. That's why we add 80 mid-sized Swiss companies like Logitech, Schindler, or Helvetia.
But we bring the the whole world on board for you. The breakdown across different countries and regions is based on the size of their capital markets. Outside Switzerland, we exclusively choose sustainable ETFs that avoid investments in nuclear power, coal, or weapons.
These are your largest equity positions (share in % of your investment solution):
Switzerland:
Roche
2.5
%
|
Novartis
2.4
%
|
Nestlé
2
%
|
ABB
1.4
%
|
UBS
1.2
%
|
Global:
Nvidia
1.8
%
|
Apple
1.7
%
|
Alphabet (Google)
1.5
%
|
Microsoft
1
%
|
Amazon
0.9
%
|
Split by bonds
20%
First-class bonds are your rock in the surf. Even in times of crisis, they usually remain stable. 60% are held in solid corporate bonds in Swiss francs. These have no currency risk and, thanks to a high credit rating (investment grade), a low risk of default. 40% are invested in safe Swiss government bonds. All this brings peace of mind to your investment.
Split by real estate
20%
For real estate, we invest completely in Switzerland for you. The focus is on residential buildings, with office and commercial properties added to the mix. This allows you to participate in the long-term value appreciation of the Swiss real estate market.
We consciously rely only on pure real estate funds instead of shares in real estate companies. This increases the diversification effect compared to equities and brings more stability to your investment solution.
Liquidity
2%
We hold around 1% of your investment solution as a liquidity buffer in your account. That way, we don't have to sell any ETF shares when the next fee settlement is due, and we can use this buffer if your deposit or withdrawal amount is not exactly divisible by the ETF prices.
Effortlessly to more financial independence
Short and sweet: three strong arguments for findependent investment solutions
Convenient investing
You simply choose one of our five sustainable investment solutions and get started from 500 francs. You don't need any prior knowledge, because we take care of investing and market monitoring for you.
Low-cost
You invest your first 2'000 francs free of charge, for life. Beyond that, you pay 0.29% to 0.40% per year. The comparison portal moneyland.ch also confirms that this makes us one of the most affordable providers.
Deposits and withdrawals are free of charge with us, and we also prepare your e-tax statement for free.
Clear app
You always stay on top of things: with our clear, easy-to-understand app, investing money is a breeze. That’s why our customers love us and rate us 4.8 stars out of 5.
Effortlessly to more financial independence
Short and sweet: three strong arguments for findependent investment solutions
Convenient investing
You simply choose one of our five sustainable investment solutions and get started from 500 francs. You don't need any prior knowledge, because we take care of investing and market monitoring for you.
Low-cost
You invest your first 2'000 francs free of charge, for life. Beyond that, you pay 0.29% to 0.40% per year. The comparison portal moneyland.ch also confirms that this makes us one of the most affordable providers.
Deposits and withdrawals are free of charge with us, and we also prepare your e-tax statement for free.
Clear app
You always stay on top of things: with our clear, easy-to-understand app, investing money is a breeze. That’s why our customers love us and rate us 4.8 stars out of 5.
Effortlessly to more financial independence
Short and sweet: three strong arguments for findependent investment solutions
Convenient investing
You simply choose one of our five sustainable investment solutions and get started from 500 francs. You don't need any prior knowledge, because we take care of investing and market monitoring for you.
Low-cost
You invest your first 2'000 francs free of charge, for life. Beyond that, you pay 0.29% to 0.40% per year. The comparison portal moneyland.ch also confirms that this makes us one of the most affordable providers.
Deposits and withdrawals are free of charge with us, and we also prepare your e-tax statement for free.
Clear app
You always stay on top of things: with our clear, easy-to-understand app, investing money is a breeze. That’s why our customers love us and rate us 4.8 stars out of 5.
Choose & change investment solution
1
Answer questions
After a good handful of questions, we suggest one of our five ready-made investment solutions to you.
2
Choose investment solution
3
Change investment solution
Choose & change investment solution
1
Answer questions
After a good handful of questions, we suggest one of our five ready-made investment solutions to you.
2
Choose investment solution
3
Change investment solution
Real voices from our community
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!
Christoph Wildhaber
Lawyer
Findependent is inexpensive, transparent and customisable. Particularly exciting? You can open various investment goals with an individual strategy!
Eric Marschall
Founder of Schwiizerfranke
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.
Stefan Huser
Co-founder of Schweizer Finanzblog
Real voices from our community
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!
Christoph Wildhaber
Lawyer
Findependent is inexpensive, transparent and customisable. Particularly exciting? You can open various investment goals with an individual strategy!
Eric Marschall
Founder of Schwiizerfranke
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.
Stefan Huser
Co-founder of Schweizer Finanzblog
Real voices from our community
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!
Christoph Wildhaber
Lawyer
Findependent is inexpensive, transparent and customisable. Particularly exciting? You can open various investment goals with an individual strategy!
Eric Marschall
Founder of Schwiizerfranke
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.
Stefan Huser
Co-founder of Schweizer Finanzblog
You're ready to go in just 10 minutes
Scan the QR code, download the app and choose one of our five ready-made investment solutions.
You're ready to go in just 10 minutes
Download the app and choose one of our five ready-made investment solutions.
You're ready to go in just 10 minutes
Scan the QR code, download the app and choose one of our five ready-made investment solutions.
FAQ
The most frequently asked questions and answers about findependent
How (often) can I change my investment solution? Does it cost anything?
You can change your investment solution at any time directly in the app. To do so, click on the goal, then hit Details under the investment solution at the bottom and then select «Change investment solution».
Important: Since changing your solution requires selling some ETF shares and buying new ones, the usual transaction costs (e.g. stamp duty) will apply.
A tip from us: Your investment solution should match your long-term strategy. We advise against changing it in reaction to short-term market fluctuations. There's a high risk of always being one step behind. It's better to choose a strategy that lets you sleep well, even in turbulent times.
Why is my allocation to an asset class significantly higher / lower than the target value?
This can happen with smaller investment amounts (under 2’000 francs) and is for purely technical reasons. Since we can only buy whole ETF shares and some shares cost over 100 francs, the percentage allocation can initially deviate slightly from the target value.
Don't worry, this is completely normal. The more money you invest, the more closely the allocation will match your chosen target. Our system automatically optimizes this for you with every deposit.
Can I pursue different investment solutions or do I have to stick to one of the five?
Yes, absolutely! In fact, that's often a good idea. You can create as many investment goals as you like and choose a different investment solution for each one. For example, you could take on more risk for a long-term goal than for a medium-term one.
Just remember that a minimum of 500 francs per investment goal is required for us to invest your money. For a custom-built investment solution, the minimum amount is 5’000 francs per goal.
FAQ
How (often) can I change my investment solution? Does it cost anything?
You can change your investment solution at any time directly in the app. To do so, click on the goal, then hit Details under the investment solution at the bottom and then select «Change investment solution».
Important: Since changing your solution requires selling some ETF shares and buying new ones, the usual transaction costs (e.g. stamp duty) will apply.
A tip from us: Your investment solution should match your long-term strategy. We advise against changing it in reaction to short-term market fluctuations. There's a high risk of always being one step behind. It's better to choose a strategy that lets you sleep well, even in turbulent times.
Why is my allocation to an asset class significantly higher / lower than the target value?
This can happen with smaller investment amounts (under 2’000 francs) and is for purely technical reasons. Since we can only buy whole ETF shares and some shares cost over 100 francs, the percentage allocation can initially deviate slightly from the target value.
Don't worry, this is completely normal. The more money you invest, the more closely the allocation will match your chosen target. Our system automatically optimizes this for you with every deposit.
Can I pursue different investment solutions or do I have to stick to one of the five?
Yes, absolutely! In fact, that's often a good idea. You can create as many investment goals as you like and choose a different investment solution for each one. For example, you could take on more risk for a long-term goal than for a medium-term one.
Just remember that a minimum of 500 francs per investment goal is required for us to invest your money. For a custom-built investment solution, the minimum amount is 5’000 francs per goal.
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
ENGLISH
© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.
© Findependent AG 2026
Findependent AG is an account-holding securities firm authorised and supervised by the Swiss Financial Market Supervisory Authority FINMA.
The information on this website constitutes advertising for the financial services provided by findependent.