{"id":9581,"date":"2022-01-14T17:16:41","date_gmt":"2022-01-14T16:16:41","guid":{"rendered":"https:\/\/schweizerfinanzblog.ch\/robo-advisor-switzerland-3-providers-in-comparison\/"},"modified":"2026-03-26T00:00:00","modified_gmt":"2026-03-25T23:00:00","slug":"robo-advisor-switzerland-3-provider-comparison","status":"publish","type":"post","link":"https:\/\/schweizerfinanzblog.ch\/en\/robo-advisor-switzerland-3-provider-comparison\/","title":{"rendered":"Robo-Advisors in Switzerland: 3 Providers Compared"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>In this article, we turn our attention to the robots among investment advisors. They seem to have made their breakthrough, and the range on offer in Switzerland is now large and hard to keep track of. Reason enough for us to take a closer look at t<\/strong><strong>hree of the most innovative robo-advisors in Switzerland. In this in-depth comparison of Swiss robo-advisors, you&#8217;ll find out what these modern workhorses are good for, how they differ and whether they&#8217;re right for you.<\/strong><\/p>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/post-info-component\/post-info-component.css?v=4\">\n<div class=\"post-info-component sfb-post-info-autoren\">\n\t\t<span class=\"sfb-post-info-bilder\">\n\t\t<img decoding=\"async\" class=\"sfb-autor-bild\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/07\/stefan_bw_round-autor-240.webp\" alt=\"Stefan Huser\" width=\"40\" height=\"40\" loading=\"lazy\"><img decoding=\"async\" class=\"sfb-autor-bild\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/07\/toni_bw_round-1-autor-240.webp\" alt=\"Antun Brcina\" width=\"40\" height=\"40\" loading=\"lazy\">\t<\/span>\n\t\t<div class=\"sfb-post-info-text\">\n\t\t<div class=\"von-and-comments sfb-post-info-namen\">\n\t\tBy <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/author\/stefan-huser\/\">Stefan Huser<\/a> and <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/author\/antun-brcina\/\">Antun Brcina<\/a>\t<\/div>\n\t\t\t<div class=\"post-dates\">Updated on <time class=\"entry-date updated\" datetime=\"2026-03-26T00:00:00+01:00\">26.3.2026<\/time><\/div>\t\t<\/div>\n\t\t<a class=\"sfb-post-info-kommentare\" href=\"#comments\">6 Comments<\/a>\n\t<\/div>\n\n<link rel=\"stylesheet\" href=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/themes\/schweizerfinanzblog\/components\/kurz-bundig-component\/kurz-bundig-component.css?v=2\">\n\n<div  id=\"wzZDcuA\" class=\"kurz-bunding mb-3\" style='background-color:#f9f9fa'>\n\t<div class=\"d-flex kurz-bunding-title\">\n\t\t<div>\n\t\t\t<img decoding=\"async\" class=\"kurz-bunding-icon\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2023\/01\/lifghtbulb2.png\">\n\t\t<\/div>\n\t\t<p class=''>\n\t\t\tIn a nutshell\t\t<\/p>\n\t<\/div>\n\n\t<div class=\"kurz-bunding-content\">\n\t\t<ul>\n<li>\n<p data-start=\"0\" data-end=\"188\">Robo-advisors make investing much easier for private investors: once your risk profile is defined and a standing order is set up, your investments run fully automatically.<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">The three robo-advisors we examined, clevercircles (the \u201cflexible one\u201d), findependent (the \u201cprice breaker\u201d) and Selma (the \u201cestablished one\u201d), differ considerably from one another in some respects.<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">What they have in common, however, is that they follow our preferred passive or index-based investment strategy. That is exactly why they can offer their services at fair prices.<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">The robo-advisors we tested are particularly suitable for \u201csavings plan fans\u201d, \u201clazybones\u201d and<br data-start=\"653\" data-end=\"656\" \/>\u201ccompromisers\u201d.<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">Compared with a do-it-yourself portfolio, they offer the following advantages, among others:<\/p>\n<ul>\n<li>\n<p data-start=\"190\" data-end=\"558\">Suitable for savings plans<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">Easy rebalancing (at the push of a button or fully automatic)<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">Personal dashboard with appealing data visualisation, statistics and reports<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">Significant time savings<\/p>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">For investors who place particular value on the widest possible choice of ETFs and\/or the lowest possible costs, however, the \u201cdo-it-yourself\u201d portfolio remains the first choice.<\/p>\n<\/li>\n<li>\n<p data-start=\"190\" data-end=\"558\">With these <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/robo-advisor-switzerland-3-provider-comparison\/#Bonus-Coupons_fuer_Neukunden\">vouchers<\/a> you can secure a starting credit with clevercircles, findependent and Selma.<\/p>\n<\/li>\n<\/ul>\n\t<\/div>\n\t\t\t\n\t<\/div>\n\n<style>\n\t#wzZDcuA .kurz-bunding-content li::marker{\n\t\tcolor: #37c392;\n\t}\n\t#wzZDcuA .kurz-bunding-call-to-action a{\n\t\tbackground-color: #1bab78;\n\t\tcolor: #FFFFFF;\n\t}\n\n<\/style>\n<div id=\"toc_container\" class=\"no_bullets\"><p class=\"toc_title\">Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Introduction_to_robo-advisors_in_Switzerland\">Introduction to \u201crobo-advisors in Switzerland\u201d<\/a><ul><li><a href=\"#What_are_robo-advisors\">What are robo-advisors?<\/a><\/li><li><a href=\"#How_does_a_robo-advisor_fit_in_with_our_mission\">How does a robo-advisor fit in with our mission?<\/a><\/li><li><a href=\"#Who_are_robo-advisors_suitable_for\">Who are robo-advisors suitable for?<\/a><\/li><li><a href=\"#What_happens_if_a_Swiss_robo-advisor_goes_bankrupt\">What happens if a Swiss robo-advisor goes bankrupt?<\/a><\/li><li><a href=\"#What_does_the_Swiss_robo-advisor_market_look_like\">What does the Swiss robo-advisor market look like?<\/a><\/li><\/ul><\/li><li><a href=\"#Swiss_robo-advisor_comparison\">Swiss robo-advisor comparison<\/a><ul><li><a href=\"#Profiles_of_the_three_Swiss_robo-advisors\">Profiles of the three Swiss robo-advisors<\/a><\/li><\/ul><\/li><li><a href=\"#Robo-Advisor_profiles\">Robo-Advisor profiles<\/a><ul><li><a href=\"#How_does_onboarding_work\">How does onboarding work?<\/a><\/li><li><a href=\"#What_does_the_investment_universe_look_like_and_how_sensible_is_it\">What does the investment universe look like, and how sensible is it?<\/a><\/li><li><a href=\"#How_sensible_and_flexible_are_the_risk_profile_and_asset_allocation\">How sensible and flexible are the risk profile and asset allocation?<\/a><\/li><li><a href=\"#How_does_rebalancing_work\">How does rebalancing work?<\/a><\/li><li><a href=\"#How_high_are_the_costs_and_what_do_they_consist_of\">How high are the costs, and what do they consist of?<\/a><\/li><\/ul><\/li><li><a href=\"#Cost_comparison_between_robo-advisors_and_do_it_yourself\">Cost comparison between robo-advisors and \u2018do it yourself\u2019<\/a><\/li><li><a href=\"#Robo-Advisor_cost_comparison_with_different_investment_sums\">Robo-Advisor cost comparison with different investment sums<\/a><ul><li><a href=\"#How_good_is_the_support\">How good is the support?<\/a><\/li><li><a href=\"#What_additional_services_are_offered\">What additional services are offered?<\/a><\/li><\/ul><\/li><li><a href=\"#Conclusion_of_our_Swiss_robo-advisor_comparison_which_Swiss_robo-advisor_suits_you_best\">Conclusion of our Swiss robo-advisor comparison: which Swiss robo-advisor suits you best?<\/a><ul><li><a href=\"#Decision_guide_Swiss_robo-advisors\">Decision guide: Swiss robo-advisors<\/a><\/li><\/ul><\/li><li><a href=\"#Robo-advisors_distinguishing_features\">Robo-advisors: distinguishing features<\/a><\/li><li><a href=\"#Starting_bonus_for_new_customers\">Starting bonus for new customers<\/a><ul><li><a href=\"#clevercircles_bonus_coupon_worth_CHF_100_Swiss_robo-advisor_comparison\">clevercircles bonus coupon worth CHF 100 (Swiss robo-advisor comparison)<\/a><\/li><li><a href=\"#findependent_bonus_coupon_worth_CHF_20_Swiss_robo-advisor_comparison\">findependent bonus coupon worth CHF 20 (Swiss robo-advisor comparison)<\/a><\/li><li><a href=\"#Selma_bonus_coupon_worth_CHF_34_Swiss_robo-advisor_comparison\">Selma bonus coupon worth CHF 34 (Swiss robo-advisor comparison)<\/a><\/li><\/ul><\/li><li><a href=\"#You_might_also_be_interested_in\">You might also be interested in<\/a><\/li><li><a href=\"#Updates\">Updates<\/a><\/li><li><a href=\"#Disclaimer\">Disclaimer<\/a><\/li><\/ul><\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Introduction_to_robo-advisors_in_Switzerland\">Introduction to \u201crobo-advisors in Switzerland\u201d<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Before we get to our comparison of Swiss robo-advisors, we&#8217;d like to start by sharpening your basic understanding of robo-advisors and explaining what they are for.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_are_robo-advisors\">What are robo-advisors?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">A robo-advisor is an algorithm-based system that gives automated investment recommendations and can also implement them. The term is a portmanteau of the English words robot and advisor. Robo-advisors aim to digitise and automate the services of a traditional financial advisor. The term \u201crobo-advisor\u201d is also used for financial service providers that work with such systems. (Source: <a href=\"https:\/\/de.wikipedia.org\/wiki\/Robo-Advisor\" target=\"_blank\" rel=\"noopener\">Wikipedia<\/a>)<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_does_a_robo-advisor_fit_in_with_our_mission\">How does a robo-advisor fit in with our mission?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Well. The three robo-advisors we examined all support a passive or index-based investment strategy. Their investment universe consists exclusively of passive investment vehicles such as ETFs and\/or index funds. The ongoing costs are somewhat higher than if you organise your investments entirely yourself. In return, you save on brokerage fees (e.g. for a savings plan via standing order or when rebalancing). And ultimately, the total costs are well below those of conventional, active investment advice.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"Who_are_robo-advisors_suitable_for\">Who are robo-advisors suitable for?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">If you belong to at least one of the following three groups, robo-advisors are an option worth considering:<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u201cSavings plan enthusiasts\u201d: <\/strong>With robo-advisors, it&#8217;s easy to invest even small amounts regularly. No matter how often you invest or how much, unlike with a traditional broker you don&#8217;t pay any transaction fees in the form of brokerage fees.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u201cLazybones\u201d: <\/strong>Robo-advisors largely automate your investing. Based on your individual investment strategy and the corresponding risk profile, the robo-advisor takes care of your money. The only requirement is that you \u201cfeed\u201d it with money. It then invests this according to set rules in the appropriate asset classes and investment products. On top of that, rebalancing, which is rather tedious to do manually, is child&#8217;s play with a robo-advisor.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>\u201cCompromisers\u201d: <\/strong>For those who are put off by the often (very) high fees of traditional asset management and the lower returns that result, but who also shy away from the extra effort of \u201cdo-it-yourself\u201d investing, robo-advisors may be the happy medium. They are substantially cheaper than traditional asset management and yet very easy to use.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_happens_if_a_Swiss_robo-advisor_goes_bankrupt\">What happens if a Swiss robo-advisor goes bankrupt?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Your investments are protected by two measures:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Cash holdings are covered by deposit insurance of up to CHF 100,000.<\/li>\n\n\n\n<li>The risk-based investments are segregated assets, as they consist of the investment vehicles ETFs and index funds. Segregated assets are excluded from the bankruptcy estate.<\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_does_the_Swiss_robo-advisor_market_look_like\">What does the Swiss robo-advisor market look like?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">The Swiss robo-advisor market has developed strongly in recent years. The range on offer is now as diverse as it is hard to keep track of. In a recent study, the comparison service moneyland.ch compared the asset management costs of traditional banks with those of no fewer than 14 different robo-advisors. Among other things, the study concludes that mandates from traditional banks are <strong>more than twice as expensive<\/strong> as the new online offerings.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Swiss_robo-advisor_comparison\">Swiss robo-advisor comparison<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In this chapter, we look at the following three robo-advisors, which position themselves very differently on the Swiss market:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>clevercircles: the flexible one<\/li>\n\n\n\n<li>findependent: the price breaker<\/li>\n\n\n\n<li>Selma: the established one<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">We have partnered with all three robo-advisors. As a new customer, you benefit from a starting bonus and support our blog at the same time.<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>\ud83c\udf81<\/strong>CHF 20 starting bonus with <strong>findependent<\/strong> using promo code <strong>SFB20<\/strong><\/li>\n\n\n\n<li>\ud83c\udf81CHF 34 starting bonus with <strong>Selma<\/strong> using promo code <strong>sfbselma<\/strong> <\/li>\n\n\n\n<li>\ud83c\udf81CHF 100 starting bonus with <strong>clevercircles<\/strong> using promo code <strong>SFB<\/strong><\/li>\n<\/ul>\n\n<h3 class=\"wp-block-heading\"><span id=\"Profiles_of_the_three_Swiss_robo-advisors\">Profiles of the three Swiss robo-advisors<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Before we take a closer look at the sign-up process, investment universe, handling and pricing, the table below shows the key facts about the three Swiss robo-advisors we reviewed.<\/p>\n<h2 id=\"tablepress-14-name\" class=\"tablepress-table-name tablepress-table-name-id-14\"><span id=\"Robo-Advisor_profiles\">Robo-Advisor profiles<\/span><\/h2>\n\n<table id=\"tablepress-14\" class=\"tablepress tablepress-id-14\" aria-labelledby=\"tablepress-14-name\" aria-describedby=\"tablepress-14-description\">\n<thead>\n<tr class=\"row-1\">\n\t<td class=\"column-1\"><\/td><th class=\"column-2\">clevercircles<\/th><th class=\"column-3\">findependent<\/th><th class=\"column-4\">Selma <\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Slogan<\/td><td class=\"column-2\">\u201cThe first self-determined asset management\u201d<\/td><td class=\"column-3\">\u201cInvesting has never been so easy\u201d<\/td><td class=\"column-4\">\u201cManaging finances properly\u201d<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Founding year<\/td><td class=\"column-2\">2018<\/td><td class=\"column-3\">2020<\/td><td class=\"column-4\">2016<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Legal form \/ registered office<\/td><td class=\"column-2\">AG \/ Basel<\/td><td class=\"column-3\">AG \/ Aarau<\/td><td class=\"column-4\">AG \/ Z\u00fcrich<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Managing Director<\/td><td class=\"column-2\">Sebastian Comment<\/td><td class=\"column-3\">Matthias Bryner<\/td><td class=\"column-4\">Patrik Sch\u00e4r<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Partner bank<\/td><td class=\"column-2\">Bank CIC AG (owner of clevercircles)<\/td><td class=\"column-3\">None (findependent is a licensed custodian securities firm)<\/td><td class=\"column-4\">Saxo Bank AG<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Flat-rate fees<\/td><td class=\"column-2\">0,65% TCHF 5 \u2013 100 <br \/>\n0,55% TCHF 100 \u2013 200<br \/>\n0,45% ab TCHF 200<br \/>\n0,25% ab CHF 1 Mio.<br \/>\nMindestgeb\u00fchren CHF 40<\/td><td class=\"column-3\">0,40% TCHF 50 (bis TCHF 2 gratis)<br \/>\n0,38% TCHF 50 \u2013 150<br \/>\n0,35% TCHF 150 \u2013 250<br \/>\n0,33% TCHF 250 \u2013 500<br \/>\n0,31% TCHF 500 \u2013 1 Mio.<br \/>\n0,29% TCHF ab CHF 1 Mio.<br \/>\nKeine Geb\u00fchren auf dem Cashbestand<\/td><td class=\"column-4\">0,68% TCHF 2 \u2013 50<br \/>\n0,55% TCHF 50 \u2013 150<br \/>\n0,47% ab TCHF 150<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">Minimum amount <br \/>\nInitial investment<\/td><td class=\"column-2\">CHF 5\u2019000<\/td><td class=\"column-3\">CHF 500<\/td><td class=\"column-4\">CHF 2'000<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Savings plan eligibility \/ minimum amount<\/td><td class=\"column-2\">Ja \/ CHF 100<\/td><td class=\"column-3\">Ja \/ CHF 100<\/td><td class=\"column-4\">Ja \/ CHF 100<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">Trading platform<\/td><td class=\"column-2\">Internet &amp; App<\/td><td class=\"column-3\">App<\/td><td class=\"column-4\">Internet &amp; App<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">Communication<br \/>\nchannels<\/td><td class=\"column-2\">Chat \/ Phone \/ E-Mail<\/td><td class=\"column-3\">Chat \/ Phone \/ E-Mail<\/td><td class=\"column-4\">Chat \/ Phone \/ E-Mail<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">Specialties <br \/>\n(optional)<\/td><td class=\"column-2\">Currency hedging, flexible rebalancing, own investment committee, free demo version<\/td><td class=\"column-3\">Own investment solution for the greatest possible self-determination, investing for children<\/td><td class=\"column-4\">Portfolio alignment according to ESG principles at the touch of a button, pension solution 3a integrated on the platform, AI-supported advice and portfolio analysis<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">New customer code \/ start bonus<\/td><td class=\"column-2\">SFB \/ CHF 100<\/td><td class=\"column-3\">SFB20 \/ CHF 20<\/td><td class=\"column-4\">sfbselma \/ CHF 34<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<span id=\"tablepress-14-description\" class=\"tablepress-table-description tablepress-table-description-id-14\">Table 1: Profiles of the robo-advisors clevercircles, findependent and Selma<\/span>\n<!-- #tablepress-14 from cache -->\n\n<h3 class=\"wp-block-heading\"><span id=\"How_does_onboarding_work\">How does onboarding work?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">In our comparison of Swiss robo-advisors, onboarding involves the following four steps with all three providers:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>signing up with the robo-advisor, including signing the contract and creating an individual risk profile based on a questionnaire,<\/li>\n\n\n\n<li>opening an account with the partner bank, including signing the contract,<\/li>\n\n\n\n<li>transferring money to the partner bank, and<\/li>\n\n\n\n<li>the robo-advisor investing your money based on the risk profile it has determined<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Important:<\/strong> With robo-advisors, the onboarding process is much more than a formality. The questionnaire you fill in determines your risk profile. Your risk profile in turn directly determines which asset classes you invest in and in what proportions. This results in your <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/asset-allocation\/\" target=\"_blank\" rel=\"noopener\">asset allocation<\/a>, which ultimately has a major influence on your returns.<\/p>\n\n<p class=\"wp-block-paragraph\">And one more thing: when transferring money, always enter yourself (and not the robo-advisor) as the beneficiary. Otherwise, the money will be sent back to you, as we found out for ourselves.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Positive:<\/strong> With all three providers, you can cancel immediately or at least at the end of the month (clevercircles) at no cost.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>clevercircles<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Onboarding is entirely digital and takes around 15 minutes. This includes installing the \u201cclevercircles\u201d smartphone app. Clevercircles is the only provider that isn&#8217;t interested in your current income, which we welcome.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>findependent<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Onboarding is entirely digital via the app and, since findependent obtained its licence as an account-holding securities firm in 2026, takes only around 10 minutes.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Selma  <\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Unlike the other two providers, the digital part of onboarding is complemented by an interaction with a (flesh-and-blood) customer advisor. In a video call, which you join by downloading an app or via your web browser, you are asked to hold your ID document up to the camera. In addition, various details such as your name and date of birth are asked for verbally to verify your identity. Finally, you are asked to confirm acceptance of the contract verbally. This intermezzo, which surprised us, and the comparatively extensive questionnaire meant that onboarding took the longest here in our comparison of Swiss robo-advisors.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_does_the_investment_universe_look_like_and_how_sensible_is_it\">What does the investment universe look like, and how sensible is it?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">All three providers in our comparison of Swiss robo-advisors use only our preferred passive investment vehicles: ETFs and\/or index funds. A distinction must be made between the investment universe of the robo-advisor and that of the investor. In this chapter, we look at the former and focus in particular on the \u201cequities\u201d asset class.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>clevercircles<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">The clevercircles investment universe consists of 16 products spread across the following asset classes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Equities (6 products)<\/li>\n\n\n\n<li>Bonds (4)<\/li>\n\n\n\n<li>Real estate (3)<\/li>\n\n\n\n<li>Commodities (2)<\/li>\n\n\n\n<li>Precious metals (1)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">All products offered are based on indices, which non-customers can also view transparently <a href=\"https:\/\/clevercircles.ch\/media\/1134\/clevercircles_anlageuniversum_d.pdf\" target=\"_blank\" rel=\"noopener\">here<\/a>. The \u201cequities\u201d asset class covers the most important markets in the developed world and the emerging markets. However, some countries such as Canada, Australia and a few countries outside the eurozone (e.g. Norway) are not included. A \u201cblemish\u201d, but one that affects returns only minimally. Also: if you value investing in sustainable ESG products, clevercircles is the wrong place for you. Unlike the other two providers, clevercircles does not offer any <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/green-stocks-40-etfs-compared\/\" target=\"_blank\" rel=\"noopener\">green stocks<\/a>.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>findependent<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">The findependent investment universe consists of around 40 products spread across the following asset classes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Equities (30 products; focus on sustainability)<\/li>\n\n\n\n<li>Bonds (6)<\/li>\n\n\n\n<li>Real estate (2)<\/li>\n\n\n\n<li>Precious metals (1; gold)<\/li>\n\n\n\n<li>Bitcoin (1)<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">All products offered are ETFs, which non-customers can also view transparently <a href=\"https:\/\/findependent.ch\/eigene-anlageloesung\/\" target=\"_blank\" rel=\"noopener\">here<\/a>. The \u201cequities\u201d asset class covers every market in the developed world and the emerging markets without gaps. What stands out is that findependent focuses on sustainable investments and works with corresponding ratings and screenings. As a further unique selling point, findependent also offers five ETFs for the trending themes \u201cClean Energy\u201d, \u201cRobotics &amp; Automation\u201d, \u201cDigitalisation\u201d, \u201cHealth\u201d and \u201cGender\u201d. Unlike the other two providers, precious metals play no role at findependent.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Selma <\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Selma offers the following asset classes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Equities<\/li>\n\n\n\n<li>Private equity<\/li>\n\n\n\n<li>Bonds<\/li>\n\n\n\n<li>Real estate<\/li>\n\n\n\n<li>Precious metals<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">No product list showing the investment universe is published. On request, however, we were given more detailed insights. With the exception of Canada and Australia, the \u201cequities\u201d asset class covers the most important markets in the developed world and the emerging markets. In addition, a sustainable ESG focus for the portfolio is optional and easy to switch on at the push of a button.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_sensible_and_flexible_are_the_risk_profile_and_asset_allocation\">How sensible and flexible are the risk profile and asset allocation?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">With all three providers in our comparison of Swiss robo-advisors, your risk profile is determined from the questionnaire you fill in during onboarding. This in turn results in your individual asset allocation, i.e. your personal investment universe.<\/p>\n\n<p class=\"wp-block-paragraph\">It can&#8217;t be said often enough: <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/asset-allocation\/\" target=\"_blank\" rel=\"noopener\">asset allocation<\/a> is the be-all and end-all of investing. As a rule of thumb, the higher your equity allocation, the higher the return and risk you can expect. As rational investors with a long investment horizon, we aim for the highest possible equity allocation with a global focus.<\/p>\n\n<p class=\"wp-block-paragraph\">Of course, this doesn&#8217;t mean we reject cash per se. Cash reserves are undoubtedly important for ongoing expenses, but also for the unexpected. But we don&#8217;t need a robo-advisor for that. We handle payments and the like conveniently through our main bank, where we also park our \u201cemergency fund\u201d.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>clevercircles<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">clevercircles distinguishes between \u201cPortfolio\u201d (current asset allocation) and \u201cStrategy\u201d (target or strategic asset allocation). At the start, the cash allocation is 100%, because clevercircles invests at 10-day intervals.<\/p>\n\n<p class=\"wp-block-paragraph\">Besides the attractive visualisation, we were pleased that we could adjust the proposed strategy or asset allocation, which was a little too conservative for our taste, super easily using sliders. So in no time at all, we increased the equity allocation in our target allocation, left the real estate as it was, removed the bonds and reduced the cash allocation to the lowest permitted level of 4%.<\/p>\n<div class=\"wp-block-image wp-image-2968 size-full\">\n<figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"1092\" height=\"817\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Abb1_Screenshot-Strategie_2021-12-17-141028.gif\" alt=\"Swiss robo-advisor comparison\" class=\"wp-image-2968\"\/><figcaption class=\"wp-element-caption\">Strategic asset allocation as the target portfolio. (Source: clevercircles \/ own portfolio)<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">The actual portfolio is based on the strategy, as the image below shows. Deviations can be corrected every two months by rebalancing.<\/p>\n<div class=\"wp-block-image wp-image-2966 size-full\">\n<figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"1104\" height=\"804\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Abb02_IstPortfolio_Screenshot-2021-12-17-135303.gif\" alt=\"Swiss robo-advisor comparison\" class=\"wp-image-2966\"\/><figcaption class=\"wp-element-caption\">Actual investments after adjusting the strategy. (Source: clevercircles \/ own portfolio)<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">Note: the minimum investment at clevercircles is actually CHF 5,000. clevercircles made an exception for Stefan and Toni  for this comparison of Swiss robo-advisors, so they were able to test clevercircles with separate accounts of CHF 2,500 each.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>findependent<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">At findependent, too, we fill in the pleasantly short questionnaire to the best of our knowledge and belief and are given the investor profile \u201cbold\u201d. On closer inspection, this means a target portfolio with 80% equities, 10% real estate, 8% bonds and 2% cash.<\/p>\n\n<p class=\"wp-block-paragraph\">To get rid of the (currently almost interest-free) bonds, we have to manually upgrade our risk level to \u201crisk-seeking\u201d. (According to findependent, the highest risk level, \u201crisk-seeking\u201d, is never suggested directly by the robo-advisor; the customer always has to select it manually.) The target allocation is adjusted within seconds. The difference between the \u201cbold\u201d and \u201crisk-seeking\u201d profiles is essentially that the equity allocation is increased and the bonds are eliminated.<\/p>\n<div class=\"wp-block-image size-full wp-image-2990\">\n<figure class=\"alignleft\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/03\/Findependent_Anlageloesungen_EN.png\" alt=\"\" class=\"wp-image-16427\"\/><figcaption class=\"wp-element-caption\">Difference between the \u201cbold\u201d and \u201crisk-seeking\u201d target allocations. (Source: findependent \/ own portfolio)<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">The image below shows the performance of the five risk profiles offered by findependent from 2005 to 2025 and impressively confirms the investment principle: the higher the risk, the higher the return.<\/p>\n<div class=\"wp-block-image size-full wp-image-2993\">\n<figure class=\"alignleft\"><img decoding=\"async\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2026\/03\/findependent_Wertentwicklung_Anlageloesungen_2025_EN.png\" alt=\"\" class=\"wp-image-16241\"\/><figcaption class=\"wp-element-caption\">Performance of a one-off investment of CHF 1,000 from 2015 to 2025, depending on the risk profile, after management &amp; custody fees and product costs (Source: findependent).<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">A high degree of customisation if you want it: in addition to the five ready-made investment solutions in the standard range, you can put together your own investment solution from around 40 pre-selected ETFs from CHF 5,000 upwards, based on <a href=\"https:\/\/findependent.ch\/eigene-anlageloesung\/\" target=\"_blank\" rel=\"noopener\">findependent&#8217;s investment universe<\/a>. This gives findependent the highest degree of self-determination over your portfolio of all three robo-advisors we examined. <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Selma <\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">At Selma, every investor gets their own planet, e.g. \u201cAntunium\u201d in Antun&#8217;s case. As with the other two providers, the asset allocation we were given seems too conservative to us. So we want to increase the equity allocation, eliminate cash as far as possible and throw out the investments the robo-advisor has made in the asset classes cash, bonds and precious metals.<\/p>\n<div class=\"wp-block-image size-full wp-image-3000\">\n<figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"1480\" height=\"692\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Startseite_Screenshot-2021-12-20-081358_ohne-Chat.gif\" alt=\"Swiss robo-advisor comparison\" class=\"wp-image-3000\"\/><figcaption class=\"wp-element-caption\">Dashboard with general information from the bot &#8220;Selma&#8221;, planet symbolism and mountain scenery. (Source: Selma \/ own portfolio)<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">With Selma, that&#8217;s easier said than done! Selma is the only provider that does not let you change the asset allocation directly. Via chat, we learn that the asset allocation can only be changed indirectly by adjusting the risk profile. Specifically, we have to answer the first question about our willingness to take risks again. The \u201cright\u201d answer to select is \u201cI like to speculate &amp; like risk\u201d.<\/p>\n<div class=\"wp-block-image size-full wp-image-2994\">\n<figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"1908\" height=\"972\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Manuelle_Anderung_Risikoprofil_Screenshot-2021-12-03-130341.gif\" alt=\"Swiss robo-advisor comparison\" class=\"wp-image-2994\"\/><figcaption class=\"wp-element-caption\">Risk profile with the \u201cright\u201d answers for the highest possible equity allocation, and the corresponding chat history (Source: Selma \/ own portfolio).<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">We don&#8217;t see the connection between speculation and a higher equity allocation in the form of passive ETF equity investments. In the \u201cequities\u201d asset class, speculative investing for us would be day trading in the form of stock picking and market timing, which, as advocates of the <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/buy-and-hold-5-strong-advantages\/\" target=\"_blank\" rel=\"noopener\">buy-and-hold strategy<\/a>, we are known to reject.<\/p>\n\n<p class=\"wp-block-paragraph\">At least by adjusting the risk profile we got rid of the bonds, but not the precious metals. Support agent Marco explains in the chat: <em>\u201cThe precious metals allocation is currently increased, and it will stay that way for some time until the markets are no longer so overpriced.\u201d<\/em><\/p>\n\n<p class=\"wp-block-paragraph\">So Selma doesn&#8217;t seem to quite believe in efficient markets, which according to portfolio theory are always correctly priced.<\/p>\n\n<p class=\"wp-block-paragraph\">Positive: the adjustment is made promptly, i.e. on the following day.<\/p>\n<div class=\"wp-block-image wp-image-2995 size-full\">\n<figure class=\"alignleft\"><img loading=\"lazy\" decoding=\"async\" width=\"1166\" height=\"673\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Asset-Allocation_Screenshot-2021-12-20-085820.gif\" alt=\"Swiss robo-advisor comparison\" class=\"wp-image-2995\"\/><figcaption class=\"wp-element-caption\">Asset allocation with relatively high shares of precious metals and cash, even in the risk-seeking profile (Source: Selma \/ own portfolio)<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\">As we later learned from Selma, unlike with the other two providers, the investment strategy underlying the asset allocation is adjusted dynamically, taking into account both the customer&#8217;s individual life situation and market conditions.<\/p>\n\n<p class=\"wp-block-paragraph\">For example, factors such as a change in your financial situation (e.g. buying a house) or approaching retirement age influence the risk profile and therefore the asset allocation. Market-related factors that influence the asset allocation include changes in global market capitalisations and shifts in over- and undervaluations according to <a href=\"https:\/\/en.wikipedia.org\/wiki\/Cyclically_adjusted_price-to-earnings_ratio\" target=\"_blank\" rel=\"noopener\">CAPE<\/a>.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_does_rebalancing_work\">How does rebalancing work?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Depending on how the markets develop, your portfolio can drift away from your target portfolio to a greater or lesser extent over time. In such cases, it makes sense to <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/rebalancing\/\" target=\"_blank\" rel=\"noopener\">rebalance<\/a> periodically, bringing your portfolio back into line with the asset structure (asset allocation) you have chosen.<\/p>\n\n<p class=\"wp-block-paragraph\">Rebalancing is very easy with robo-advisors, which we see as a clear advantage over a \u201cdo-it-yourself\u201d portfolio. With the latter, you reallocate product by product through transactions you place manually. This can be tedious and expensive. With robo-advisors, on the other hand, rebalancing is done conveniently across the whole portfolio, although we did find significant differences between the providers.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>clevercircles<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">clevercircles offers the greatest flexibility when it comes to rebalancing. It is the only provider that does without an automatic mechanism. Optionally, but conveniently at the push of a button, investors can have their portfolio rebalanced every two months. If they do nothing, nothing is reallocated.<\/p>\n<div class=\"wp-block-image wp-image-3001 size-full\">\n<figure class=\"alignleft is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"765\" height=\"980\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Rebalancing_Anpassung_an-Strategie_Screenshot-2022-01-04-095808.gif\" alt=\"Swiss robo-advisor comparison\" class=\"wp-image-3001\" style=\"aspect-ratio:0.7806033104414429;object-fit:cover;width:836px;height:auto\"\/><figcaption class=\"wp-element-caption\">Flexible rebalancing at the push of a button is a unique selling point of clevercircles. (Source: clevercircles \/ own portfolio)<\/figcaption><\/figure>\n<\/div>\n<p class=\"wp-block-paragraph\"><strong>findependent<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">At findependent, rebalancing is automated and takes place daily.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Selma<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">At Selma, rebalancing is generally automated every four weeks and, as mentioned, takes both customer-specific and market-specific factors into account.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"How_high_are_the_costs_and_what_do_they_consist_of\">How high are the costs, and what do they consist of?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">For all three robo-advisors, the main source of income is an all-in fee charged as a percentage of the amount invested. A \u201cdo-it-yourself\u201d investor saves this fee. In return, the robo-advisor&#8217;s fee includes management and custody fees as well as brokerage fees.<\/p>\n\n<p class=\"wp-block-paragraph\">All three robo-advisors rely on low-cost ETFs or index funds. We therefore assume that the product costs (TER) are roughly the same as for a \u201cdo-it-yourself\u201d portfolio. Likewise, we don&#8217;t expect any significant differences in currency exchange surcharges or stamp duty &amp; exchange fees.<\/p>\n\n<p class=\"wp-block-paragraph\">For a better understanding, we have broken down the main cost items in the table below and compared them with those of a \u201cdo-it-yourself\u201d portfolio:<\/p>\n<h2 id=\"tablepress-16-name\" class=\"tablepress-table-name tablepress-table-name-id-16\"><span id=\"Cost_comparison_between_robo-advisors_and_do_it_yourself\">Cost comparison between robo-advisors and \u2018do it yourself\u2019<\/span><\/h2>\n\n<table id=\"tablepress-16\" class=\"tablepress tablepress-id-16\" aria-labelledby=\"tablepress-16-name\" aria-describedby=\"tablepress-16-description\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Cost blocks<\/th><th class=\"column-2\">Robo-Advisor<\/th><th class=\"column-3\">\u00abDo it yourself\u00bb<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Flat-rate fees<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\"><\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Custody fees<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">x*<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Transaction costs \/ brokerage fees<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">x<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Product costs (TER)<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\">x<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Exchange rate surcharges<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\">x<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Stamp &amp; stock exchange duties<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\">x**<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<span id=\"tablepress-16-description\" class=\"tablepress-table-description tablepress-table-description-id-16\">Table 2: Cost blocks for robo-advisors and self-organized asset management. *Some online brokers such as Interactive Brokers or DEGIRO do not charge custody fees (see also our detailed reviews.) ** Depending on the broker's fee model, some fees are already included in the brokerage fees. <\/span>\n<!-- #tablepress-16 from cache -->\n\n<p class=\"wp-block-paragraph\"><strong>clevercircles<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">clevercircles uses a degressive fee model with four tiers which, depending on the amount invested, are 0.65% (CHF 5,000\u2013100,000), 0.55% (CHF 100,000\u2013200,000), 0.45% (from CHF 200,000) or 0.25% (from CHF 1 million), with a minimum charge of CHF 40 per year. Once you reach a cheaper tier, it applies to the entire amount invested. So wealthy investors are rewarded.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>findependent<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">findependent uses a fee model that is rather unconventional in the industry, but very likeable. No all-in fee at all is charged on the first CHF 2,000. So it&#8217;s no surprise that findependent is particularly attractive in price for small investors. <\/p>\n\n<p class=\"wp-block-paragraph\">After that, a tiered approach applies, and depending on the amount invested, fees of 0.40% (up to CHF 50,000), 0.38% (from 50k), 0.35% (from 150k), 0.33% (from 250k), 0.31% (from 500k) or 0.29% (from 1 million) are charged.  Once a new tier is reached, the new rate applies to the entire amount invested. Fair: any cash holdings are exempt from the all-in fee.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Selma<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Selma, like clevercircles, has a degressive fee model, with three tiers which, depending on the amount invested, are 0.68% (CHF 2,000\u201350,000),  0.55% (CHF 50,000\u2013150,000) or 0.47% (from CHF 150,000). Once you reach a cheaper tier, it applies to the entire amount invested. So, as with clevercircles, wealthy investors are rewarded. Positive: when determining the tiers, Selma also takes into account any money paid into the Pillar 3a pension solution integrated into its platform.<\/p>\n<h2 id=\"tablepress-17-name\" class=\"tablepress-table-name tablepress-table-name-id-17\"><span id=\"Robo-Advisor_cost_comparison_with_different_investment_sums\">Robo-Advisor cost comparison with different investment sums<\/span><\/h2>\n\n<table id=\"tablepress-17\" class=\"tablepress tablepress-id-17\" aria-labelledby=\"tablepress-17-name\" aria-describedby=\"tablepress-17-description\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Provider<\/th><th class=\"column-2\">CHF 25'000<\/th><th class=\"column-3\">CHF 100\u2019000<\/th><th class=\"column-4\">CHF 500\u2019000<\/th><th class=\"column-5\">CHF 1'000\u2019000<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">clevercircles<\/td><td class=\"column-2\">CHF 163<\/td><td class=\"column-3\">CHF 550<\/td><td class=\"column-4\">CHF 2\u2019250<\/td><td class=\"column-5\">CHF 2'500<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">findependent<\/td><td class=\"column-2\">CHF 92<\/td><td class=\"column-3\">CHF 372<\/td><td class=\"column-4\">CHF 1'544<\/td><td class=\"column-5\">CHF 2'894<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Selma<\/td><td class=\"column-2\">CHF 170<\/td><td class=\"column-3\">CHF 550<\/td><td class=\"column-4\">CHF 2\u2019350<\/td><td class=\"column-5\">CHF 4\u2019700<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<span id=\"tablepress-17-description\" class=\"tablepress-table-description tablepress-table-description-id-17\">Table 3: In the Robo-Advisor Switzerland cost comparison, findependent has the lowest flat fees for investment amounts of less than CHF 1 million; clevercircles is ahead from CHF 1 million.<\/span>\n<!-- #tablepress-17 from cache -->\n\n<h3 class=\"wp-block-heading\"><span id=\"How_good_is_the_support\">How good is the support?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">All three providers in our comparison of Swiss robo-advisors have a friendly and competent support team. They also all offer clear and informative FAQs. Naturally, there is no personal advice. We did find differences in the communication channels and response times.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Our experience with clevercircles support<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">What we like about clevercircles is that individual questions are always answered in depth. Email enquiries are usually answered the next day. Alternatively, a telephone hotline is available. We were unable to test the chat function on the website because it was temporarily unavailable for technical reasons during our test phase. clevercircles has told us that the chat went back into operation in January 2022 and is continuously staffed during office hours.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Our experience with findependent support<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">In our experience, findependent offers the most efficient support. All our questions were answered via chat within a few minutes. findependent thus lives up to its own ambitious claim of usually replying within a few minutes with flying colours! The chat function is available not only on the website but also in the app. Besides the chat, you can also contact findependent by phone and email.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Our experience with Selma support<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Selma offers email, phone and chat as communication channels. Chat replies usually come the same day, but somewhat later than at findependent. (You receive an email to let you know a new chat message has arrived.) Positive: unlike at findependent, the chat runs through your login, so you can look up past chat histories at any time.<\/p>\n\n<p class=\"wp-block-paragraph\">Since 2024, Selma has offered optional <strong>AI-assisted<\/strong> <strong>robo-advice<\/strong> based on OpenAI technology. You can have your assets, your investment strategy or your investments assessed by artificial intelligence using various predefined questions (see example below). <\/p>\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"2540\" height=\"2500\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/KI_Selma_Montag-17-Juni-2024-11_43_02.png\" alt=\"Selma artificial intelligence\" class=\"wp-image-7274\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/KI_Selma_Montag-17-Juni-2024-11_43_02.png 2540w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/KI_Selma_Montag-17-Juni-2024-11_43_02-64x64.png 64w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/KI_Selma_Montag-17-Juni-2024-11_43_02-768x756.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/KI_Selma_Montag-17-Juni-2024-11_43_02-1536x1512.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/KI_Selma_Montag-17-Juni-2024-11_43_02-2048x2016.png 2048w\" sizes=\"auto, (max-width: 2540px) 100vw, 2540px\" \/><figcaption class=\"wp-element-caption\">Toni&#8217;s portfolio at Selma assessed by artificial intelligence: positive, constructive feedback with a cautionary conclusion.<\/figcaption><\/figure>\n\n<h3 class=\"wp-block-heading\"><span id=\"What_additional_services_are_offered\">What additional services are offered?<\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">In this chapter, we take a closer look at the three Swiss robo-advisors in terms of special services. By this we mean additional services that not every robo-advisor offers or that even represent a unique selling point (USP). <strong>Important:<\/strong> these services are all <strong>optional<\/strong>. In other words, investors can use them, but don&#8217;t have to.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong> <\/strong><strong>clevercircles<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">clevercircles undoubtedly offers the widest range of special services:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Currency hedging: <\/strong>Every two months, customers can decide for themselves how they want to hedge their investment in the two main foreign currencies (EUR\/USD) against currency losses. For each currency, they choose whether 30%, 60% or 90% of their foreign currency holdings should be hedged. Currency hedging is free for customers apart from a minimal spread (90% discount on Bank CIC&#8217;s official customer rate). According to clevercircles, more than half of its customers regularly use the currency hedging feature.<\/li>\n\n\n\n<li><strong>Flexible rebalancing:<\/strong> Because asset classes and markets perform differently, the portfolio can drift significantly from the target allocation over time. At clevercircles, flexible rebalancing is possible at the push of a button (every 2 months or less often), bringing the portfolio back into line with the defined strategy.<\/li>\n\n\n\n<li><strong>Your own investment committee \/ your own circle:<\/strong> If you&#8217;re interested in what others think about financial matters, you can put together your own advisory panel (circle) made up of investment professionals, business media, the community, friends and family. Clevercircles thus relies on group dynamics and swarm intelligence, which also highlights the playful side of investing. We at Schweizer Finanzblog also run our own circle. The circles can also be used for guidance on overweighting or underweighting certain asset classes in the short term or depending on market conditions. We don&#8217;t do this kind of tactical reallocation or make such recommendations, because it doesn&#8217;t match our investment philosophy.<\/li>\n\n\n\n<li><strong>Free demo version:<\/strong> If you&#8217;d like to get to know the platform better before using your own money, you can open a free, no-obligation demo account for testing purposes.<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>findependent<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">findependent enters the race with the following unique selling point:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Your own investment solution:<\/strong> If you value a particularly high degree of self-determination in your investments, findependent lets you put together your own portfolio. You can choose from an investment universe of around 40 ETFs. This option is aimed at experienced and discerning investors. From an investment amount of CHF 5,000, it comes at no extra cost.<\/li>\n\n\n\n<li><strong>Investing for children: <\/strong>You can invest towards several goals using the same app and the same account (e.g. building wealth, child A and child B).<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\"><strong>Selma<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Selma offers the following additional services:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>A more sustainable alignment of the existing portfolio according to <strong>ESG principles<\/strong> at the push of a button.<\/li>\n\n\n\n<li><strong>Pillar 3a pension provision:<\/strong> From an amount of CHF 500, you can invest in tied pension provision on the same platform. The same all-in fee is charged.<\/li>\n\n\n\n<li><strong>AI-assisted financial advice<\/strong> based on your Selma portfolio.  <\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><span id=\"Conclusion_of_our_Swiss_robo-advisor_comparison_which_Swiss_robo-advisor_suits_you_best\">Conclusion of our Swiss robo-advisor comparison: which Swiss robo-advisor suits you best?<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">In our view, robo-advisors are particularly well suited to \u201csavings plan enthusiasts\u201d, \u201clazybones\u201d and \u201ccompromisers\u201d.<\/p>\n\n<p class=\"wp-block-paragraph\">In summary, we see the following four <strong>main advantages<\/strong> over a \u201cdo-it-yourself\u201d portfolio:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Suitable for savings plans<\/li>\n\n\n\n<li>Easy rebalancing (at the push of a button or fully automated)<\/li>\n\n\n\n<li>Individual dashboard (attractive data visualisation in the form of statistics and reports)<\/li>\n\n\n\n<li>Time savings<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">On the other hand, for investors who place particular value on a comprehensive product range and\/or the lowest possible costs, the \u201cdo-it-yourself\u201d portfolio remains the first choice. For this, you need a suitable trading platform: on our <a href=\"https:\/\/schweizerfinanzblog.ch\/en\/our-recommendations\/\" data-type=\"page\" data-id=\"4783\" target=\"_blank\" rel=\"noreferrer noopener\">recommendations page<\/a> you&#8217;ll find a selection of online brokers we have tested, including starting credits (see also our article series <a href=\"https:\/\/schweizerfinanzblog.ch\/investieren\/\" target=\"_blank\" rel=\"noopener\">Learn to invest \u2013 in eight lessons<\/a>).<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"Decision_guide_Swiss_robo-advisors\"><strong>Decision guide: Swiss robo-advisors<\/strong><\/span><\/h3>\n\n<p class=\"wp-block-paragraph\">Now that we have sharpened the profiles of the three Swiss robo-advisors we examined, the table below will help you decide which provider is right for you. The criteria are distinguishing features that do not apply to all three robo-advisors and that matter to a different degree depending on the type of investor:<\/p>\n<h2 id=\"tablepress-18-name\" class=\"tablepress-table-name tablepress-table-name-id-18\"><span id=\"Robo-advisors_distinguishing_features\">Robo-advisors: distinguishing features<\/span><\/h2>\n\n<table id=\"tablepress-18\" class=\"tablepress tablepress-id-18\" aria-labelledby=\"tablepress-18-name\" aria-describedby=\"tablepress-18-description\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Criteria<\/th><th class=\"column-2\">clevercircles<\/th><th class=\"column-3\">findependent<\/th><th class=\"column-4\">Selma<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">Multi-channel (app &amp; web)<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\"><\/td><td class=\"column-4\">x<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">Lowest costs and initial investment<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">x<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">Highest starting bonus<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">Highest degree of self-determination in portfolio construction<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">x<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">Sustainable investments<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">x<\/td><td class=\"column-4\">x<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">Investments in trend themes<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">x<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">\u201dPrecious metals\u201d asset class<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\">x<\/td><td class=\"column-4\">x<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">Currency hedging (optional)<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">Flexible rebalancing (optional)<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">Portfolio coordination with experts and the community (optional)<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">Non-binding demo version (optional)<\/td><td class=\"column-2\">x<\/td><td class=\"column-3\"><\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">Integrated 3a pension plan (optional)<\/td><td class=\"column-2\"><\/td><td class=\"column-3\"><\/td><td class=\"column-4\">x<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">Automatic adjustment of the investment strategy to the customer's individual life situation<\/td><td class=\"column-2\"><\/td><td class=\"column-3\"><\/td><td class=\"column-4\">x<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\">Investing for children (investing in different investment goals)<\/td><td class=\"column-2\"><\/td><td class=\"column-3\">x<\/td><td class=\"column-4\"><\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\">AI-supported financial advice (optional)<\/td><td class=\"column-2\"><\/td><td class=\"column-3\"><\/td><td class=\"column-4\">x<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<span id=\"tablepress-18-description\" class=\"tablepress-table-description tablepress-table-description-id-18\">Table 4: Distinguishing features of the three robo-advisors as a decision-making aid<\/span>\n<!-- #tablepress-18 from cache -->\n\n<p class=\"wp-block-paragraph\">In addition, regarding the positioning of the three Swiss robo-advisors, we noticed that clevercircles and findependent give investors a great deal of freedom, while Selma takes more control. This comparatively high level of guidance (or, depending on your point of view, limited flexibility) is likely to appeal especially to inexperienced investors or those with little interest in financial topics.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Starting_bonus_for_new_customers\">Starting bonus for new customers<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\">Has one of the providers in this Swiss robo-advisor comparison won you over? If so, secure a starting credit by simply choosing one of the bonus coupons below and entering the corresponding code when you sign up.<\/p>\n\n<h3 class=\"wp-block-heading\"><span id=\"clevercircles_bonus_coupon_worth_CHF_100_Swiss_robo-advisor_comparison\">clevercircles bonus coupon worth CHF 100 (Swiss robo-advisor comparison)<\/span><\/h3>\n\n<div style=\"height:30px\">\n\t\n\t\n<\/div><div class=\"wp-block-image d-none d-lg-block\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/app.clevercircles.ch\/login\/sls\/auth?cmd=registration&amp;_ga=2.96708447.1769638384.1641709271-1662520407.1635325664\" target=\"_blank\" rel=\"nofollow noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"3336\" height=\"1232\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/CleverCircle-Korrekter-Coupon.png\" alt=\"Robo-advisor comparison Clevercircle coupon code\" class=\"wp-image-2975\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/CleverCircle-Korrekter-Coupon.png 3336w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/CleverCircle-Korrekter-Coupon-768x284.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/CleverCircle-Korrekter-Coupon-1536x567.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/CleverCircle-Korrekter-Coupon-2048x756.png 2048w\" sizes=\"auto, (max-width: 3336px) 100vw, 3336px\" \/><\/a><\/figure>\n<\/div><div class=\"wp-block-image d-lg-none\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/app.clevercircles.ch\/login\/sls\/auth?cmd=registration&amp;_ga=2.96708447.1769638384.1641709271-1662520407.1635325664\" target=\"_blank\" rel=\"nofollow noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1324\" height=\"2212\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Clevercircle-mobile.png\" alt=\"Robo-advisor comparison Clevercircle coupon code mobile\" class=\"wp-image-2979\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Clevercircle-mobile.png 1324w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Clevercircle-mobile-768x1283.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Clevercircle-mobile-919x1536.png 919w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Clevercircle-mobile-1226x2048.png 1226w\" sizes=\"auto, (max-width: 1324px) 100vw, 1324px\" \/><\/a><\/figure>\n<\/div>\n<div style=\"height:50px\">\n\t\n\t\n<\/div>\n<h3 class=\"wp-block-heading\"><span id=\"findependent_bonus_coupon_worth_CHF_20_Swiss_robo-advisor_comparison\">findependent bonus coupon worth CHF 20 (Swiss robo-advisor comparison)<\/span><\/h3>\n\n<div style=\"height:30px\">\n\t\n\t\n<\/div><div class=\"wp-block-image d-none d-lg-block\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/app.findependent.ch\/onboarding\/\" target=\"_blank\" rel=\"nofollow noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"3336\" height=\"1232\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-desktop.png\" alt=\"Robo-advisor comparison findependent coupon code\" class=\"wp-image-2976\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-desktop.png 3336w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-desktop-768x284.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-desktop-1536x567.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-desktop-2048x756.png 2048w\" sizes=\"auto, (max-width: 3336px) 100vw, 3336px\" \/><\/a><\/figure>\n<\/div><div class=\"wp-block-image d-lg-none\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/app.findependent.ch\/onboarding\/\" target=\"_blank\" rel=\"nofollow noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1324\" height=\"2212\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-mobile.png\" alt=\"Robo-advisor comparison findependent coupon code mobile\" class=\"wp-image-2980\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-mobile.png 1324w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-mobile-768x1283.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-mobile-919x1536.png 919w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Findependent-mobile-1226x2048.png 1226w\" sizes=\"auto, (max-width: 1324px) 100vw, 1324px\" \/><\/a><\/figure>\n<\/div>\n<div style=\"height:50px\">\n\t\n\t\n<\/div>\n<h3 class=\"wp-block-heading\"><span id=\"Selma_bonus_coupon_worth_CHF_34_Swiss_robo-advisor_comparison\">Selma bonus coupon worth CHF 34 (Swiss robo-advisor comparison)<\/span><\/h3>\n\n<div style=\"height:30px\">\n\t\n\t\n<\/div><div class=\"wp-block-image d-none d-lg-block\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/app.selma.com\/de\/codes\/sfbselma\" target=\"_blank\" rel=\"nofollow noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"3336\" height=\"1232\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/selma-desktop.png\" alt=\"Robo-advisor comparison Switzerland Selma coupon code\" class=\"wp-image-2977\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/selma-desktop.png 3336w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/selma-desktop-768x284.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/selma-desktop-1536x567.png 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/selma-desktop-2048x756.png 2048w\" sizes=\"auto, (max-width: 3336px) 100vw, 3336px\" \/><\/a><\/figure>\n<\/div><div class=\"wp-block-image d-lg-none\">\n<figure class=\"aligncenter\"><a href=\"https:\/\/app.selma.com\/de\/codes\/sfbselma\" target=\"_blank\" rel=\"nofollow noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1324\" height=\"2212\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Selma-mobile.png\" alt=\"Robo-advisor comparison Switzerland Selma coupon code mobile\" class=\"wp-image-2981\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Selma-mobile.png 1324w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Selma-mobile-768x1283.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Selma-mobile-919x1536.png 919w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2022\/01\/Selma-mobile-1226x2048.png 1226w\" sizes=\"auto, (max-width: 1324px) 100vw, 1324px\" \/><\/a><\/figure>\n<\/div>\n<div style=\"height:50px\">\n\t\n\t\n<\/div>\n<h2 class=\"wp-block-heading\"><span id=\"You_might_also_be_interested_in\">You might also be interested 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srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_V1_ETF-Sparplaene-Schweiz_optimiert_EN.png 1920w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_V1_ETF-Sparplaene-Schweiz_optimiert_EN-768x432.png 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2024\/12\/Titelbild_V1_ETF-Sparplaene-Schweiz_optimiert_EN-1536x864.png 1536w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Swiss ETF Savings Plan: 3 Strong Reasons to Invest on Autopilot<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\n\t\t <div class=\"col-xl-6\">\n\t\t\t <a class=\"text-decoration-none\" href=\"https:\/\/schweizerfinanzblog.ch\/en\/buy-and-hold-5-strong-advantages\/\">\n\t\t\t\t<div class=\"d-flex post-list-card\">\n\t\t\t\t\t<div class=\"post-list-image \">\n\t\t\t\t\t\t<div class=\"image-wrapper\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1721\" height=\"1297\" src=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu.jpg\" class=\"attachment-1920x1297 size-1920x1297 wp-post-image\" alt=\"Buy and Hold\" srcset=\"https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu.jpg 2400w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu-768x579.jpg 768w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu-1536x1158.jpg 1536w, https:\/\/schweizerfinanzblog.ch\/wp-content\/uploads\/2021\/09\/Titelbild_Sanduhr_hourglass-620397_neu-2048x1544.jpg 2048w\" sizes=\"auto, (max-width: 1721px) 100vw, 1721px\" \/>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"post-list-title px-2 d-flex align-items-center\">\n\t\t\t\t\t\t<p class=\"\">Buy and Hold: 5 Powerful Advantages<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n<\/div>\n<h2 class=\"wp-block-heading\"><span id=\"Updates\">Updates<\/span><\/h2>\n\n<p>2026-03-26: Mentioned findependent&#8217;s licence as an account-holding securities firm and its consequences. <\/p>\n<p>2026-01-12: Selectively updated.<\/p>\n\n<p class=\"wp-block-paragraph\">2024-10-31: Noted that the chat function is now also integrated into the app.\u00a0<\/p>\n\n<p class=\"wp-block-paragraph\">2024-06-17: Mentioned Selma&#8217;s new AI-assisted analyses, including an example from Toni&#8217;s portfolio.<\/p>\n\n<p class=\"wp-block-paragraph\">2024-05-22: Updated findependent&#8217;s (lower) fees.\u00a0<\/p>\n\n<p class=\"wp-block-paragraph\">2023-07-03: Added findependent&#8217;s new, tiered and cheaper fee structure and a note on the new &#8220;Investing for children&#8221; option.<\/p>\n\n<p class=\"wp-block-paragraph\">2023-05-25: Clarified for Selma that money paid into the integrated Pillar 3a pension solution is taken into account for the fee tiers.\u00a0<\/p>\n\n<p class=\"wp-block-paragraph\">2023-05-12: Mentioned findependent&#8217;s new onboarding process via the app.\u00a0<\/p>\n\n<p class=\"wp-block-paragraph\">2023-04-13: findependent&#8217;s investment universe increased to over 30 ETFs (from 25); automated rebalancing now takes place daily (originally monthly). Mentioned clevercircles&#8217; new and cheapest fee tier of 0.25%.<\/p>\n\n<p class=\"wp-block-paragraph\">2023-02-17: Added the new &#8220;In a nutshell&#8221; section at the beginning of the article.<\/p>\n\n<h2 class=\"wp-block-heading\"><span id=\"Disclaimer\">Disclaimer<\/span><\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer:<\/strong> Investing involves the risk of loss. You have to decide for yourself whether or not you want to take these risks.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Errors excepted:<\/strong> We have written this article to the best of our knowledge and belief. Our aim is to give you, as a private investor, the most objective and meaningful information possible on financial topics. If we have nevertheless made mistakes, or if important aspects have been forgotten and\/or are out of date, we&#8217;d be grateful if you let us know.<\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Transparency notice:<\/strong> In order to report credibly and realistically from first-hand experience, the Schweizer Finanzblog team was, at the time of publication, a customer of the three Swiss robo-advisors examined, i.e. invested with its own money. We also have partnerships with all three providers that  allow us to offer you attractive special terms in the form of starting credits. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>In this article, we turn our attention to the robots among investment advisors. They seem to have made their breakthrough, and the range on offer in Switzerland is now large and hard to keep track of. Reason enough for us to take a closer look at three of the most innovative robo-advisors in Switzerland. In [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8366,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[178],"tags":[],"class_list":["post-9581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reviews-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9581","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/comments?post=9581"}],"version-history":[{"count":13,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9581\/revisions"}],"predecessor-version":[{"id":18734,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/posts\/9581\/revisions\/18734"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media\/8366"}],"wp:attachment":[{"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/media?parent=9581"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/categories?post=9581"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweizerfinanzblog.ch\/en\/wp-json\/wp\/v2\/tags?post=9581"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}