CHF 35 voucher on your fees* + a chance to win CHF 1,000

From your consultant you will receive your own coupon code.

Open now

 

*Can only be redeemed by new frankly clients within 48 hours of opening their first account. The code cannot be used in conjunction with any other voucher codes. Valid until 31 December 2024. No all-in fee is payable on the cash. Information on the competition can be found at frankly.ch/gws.

 

© 2024 Savings 3 Pension Foundation of Zürcher Kantonalbank and Vested Benefits Foundation of Zürcher Kantonalbank

frankly - pillar 3a app - promotion

Your advantages with frankly

Quick and under­stand­able

Fully digital. No paperwork and no bank visits.

Attractive yield oppor­tu­ni­ties

Invest in high-quality Swisscanto investment products or keep your pension assets in cash.

Simply cheap

60% cheaper than comparable securities savings offers (source: moneyland.ch).

Sus­tain­able investing 

Swisscanto’s active investment products with sustainability approach.

Calculate your pension

Your potential assets with frankly

Your gender

You're
years old

Your employment relationship

Annual deposit
CHF
Transfer 3a assets
CHF
Risk level

You play it safe and receive a privileged interest rate. Your assets will grow steadily.

Safety is a top priority for you. You want to avoid risks and losses. You prefer steady asset growth with only very slight fluctuations.

You prefer safety and take only manageable risks. You are willing to accept small fluctuations in assets.

You tolerate risk, but do not take any major risks. You accept moderate fluctuations in your assets.

You are more open to risk and are willing to take increased risks. You are willing to accept higher fluctuations in assets.

You are very open to risk and don't let losses bother you. You see risks as opportunities. You accept considerable fluctuations in assets.

This is how much you get with “frankly 3 - cash”:Higher potential returns 
"frankly - expected" compared to the 
"frankly - cash":
CHF

Calculation and risk information

Every investment strategy has its own forecast. The calculation uses economic models and statistical methods. A distinction is made between expected performance, the lower value (worst-case performance) and the upper value (best-case performance). In 95 out of 100 cases, the performance of your balance should be between the upper and lower value. The forecast can be generated for an investment horizon of up to 10 years at most. With a longer investment horizon, the calculations are continued with the same values but no statements can be made about the probability that the calculated results will occur. The calculated values are net after deduction of the frankly all-in fee and are based on an interest payment of 0.80% on the pillar 3 account. Please note that this forecast does not take into account inflation and any taxes due at maturity. (state 01.01.2024)

Today
in

frankly - best case
CHF
frankly - expected
CHF
frankly - cash
CHF
frankly - worst case
CHF

Do you invest in securities?
This is how much you can save with frankly

Details on the calculation

The expected value is shown after deduction of the cumulative all-in fee and the cumulative average fees of the pillar 3 securities solutions compared by the independent Swiss online comparison service moneyland.ch (as of January 2024). The calculation is based on the same assumptions regarding expected performance. It illustrates that saving with lower fees over a longer period of time leads to financial benefits. The calculation is based on the assumption that fees remain unchanged during the entire investment period.

Savings thanks to 
the all-in-fee of 0.44%
CHF

With frankly's 0.44% all-in-fee on frankly 3a securities

With the competitor product and avg. 1.21% fees

Pillar 3a securities solutions

Compare the fees and performance of Swiss pillar 3a pension products with frankly’s investment products now.

Your details of current suppliers

3a securities assets
CHF

The following cost components are included in the fee comparison: Custody fees and product costs (TER = Total Expense Ratio). Not included: transaction, issuing and redemption fees for indexed investment products as well as any fees and incidental costs charged directly to the investment product (e.g. bid/offer spreads, commissions, taxes, duties and total expense ratio (TER) of exchange-traded real estate funds).

3a account assets
CHF

It is assumed that no costs are incurred for the account assets at the competitors. Please note that the calculation of the all-in fee at frankly is based on the equivalent value of the securities. There is no all-in fee on your frankly cash assets.

3a total assets

CHF

Selection of settlement offer (securities):

Assumption:
Your pillar 3a assets from your current provider will also be invested equally with frankly in securities and account assets.
Find out now

Cost comparison in 10 years

The following cost components are included in the fee comparison: Custody fees and product costs (TER = Total Expense Ratio). Not included: transaction, issuing and redemption fees for indexed investment products as well as any fees and incidental costs charged directly to the investment product (e.g. bid/offer spreads, commissions, taxes, duties and total expense ratio (TER) of exchange-traded real estate funds). 

It is assumed that no costs are incurred for the account assets at the competitors. 

Please note that the calculation of the all-in fee at frankly is based on the equivalent value of the securities. There is no all-in-fee on your frankly cash assets.

Possible transaction and account fees of competitors are not taken into account. Only products with ISIN are available for the purposes of comparison. Last updated: 31 December 2023, Source: Morningstar

Savings thanks to the all-in-fee of 0.44% on all frankly products
CHF 53'300

With competing product 
and ø 1.21% fees

* according to comparable offers from the Swiss online comparison service moneyland.ch

Your benefits with frankly:
Per year:
In 30 years

Fees are not everything! Performance is also important.

Since the launch (the period from 1 April 2020 to 31 December 2023), the investment products have performed as follows.

Please note that the performance comparison is only for the period from 1 April 2020 (the launch of frankly) to 31 December 2023, and therefore reflects an extraordinary economic situation with occasionally considerable stock market fluctuations in view of the worldwide lockdowns. Because of this, it is not possible to make a one-size-fits-all comparison of how the investment products described have performed in the past, nor is it possible to predict the relationship between any future returns. In addition, the securities portrayed sometimes pursue different investment strategies with varying degrees of equity exposure, which is why the opportunities and risks inherent in the products are different and make it difficult to compare the investment products. Past performance and returns are also no guarantee of future investment performance. The performance results refer to the net performance (after deduction of product costs). 

Source: Morningstar

If you want to compare performance with your current provider, select a settlement offer (securities) above.

Select a settlement offer 

For comparison purposes, the performance of competitors in relation to 3a securities assets over the same period should be noted.

The frankly pillar 3a at a glance

Simply cheap
Simple and fast
Prepare for retirement
Sustainable investing
Fully digital
So günstig ist frankly mit seiner All-in-FeeSo günstig ist frankly mit seiner All-in-Fee

Current all-in fee: 0.44%
No all-in fee is payable on the cash.

 

The all-in fee on your securities balance is currently 0.44% thanks to the community discount. With frankly, you can expect no securities custody fees and no flat-rate administrative fees for the investment product; they are included in the all-in fee. Saving securities with frankly is half the price of comparable offers (source: moneyland.ch). 

Please note that issue and redemption charges apply in favour of the fund for the indexed investment products in particular and these are not included in the all-in fee. You can find an exact definition of the all-in fee in the FAQs.


No all-in fee is payable on the cash.

 

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Open your frankly in just a few minutes

Pension provision made easy. All you need is your smartphone, tablet or computer and an ID. Needless to say, we’ll help you every step of the way. Register now and you're all set to go. It only takes a few short minutes. So what are you waiting for?

 

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Richtig vorsorgen mit frankly

Find an investment product that suits you. We’ll help you.

The main goal is to build up your savings. The excellent investment products from our partner Swisscanto support both cautious and courageous investment strategies. 

It doesn’t matter if you’re a novice or an expert when it comes to securities: you can decide for yourself whether frankly should suggest an investment product that suits your needs or whether you, as an expert, would prefer to decide on an investment product yourself.

 

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Nachhaltig anlegen mit frankly

Invest in active and sustainable investment products

Our Swisscanto investment products play a pioneering role in sustainable investing. Invest in our actively managed, sustainable Swisscanto investment products at a current all-in fee of just 0.44%. Only available with frankly.

 

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Make the most of your pillar 3a

Do you want to have a full overview of your retirement savings at all times? No matter whether it’s with your smartphone, tablet or computer, with frankly you can see how your assets are performing at any time, as well as make deposits and gain access to your investment strategy. No matter where you are.

 

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It only takes a few minutes to get started

  • 1

    Simply get started

    Download frankly now or register online straight away.

  • 2

    Quick registration

    A pillar 3a account is easy to open – no paperwork required.

  • 3

    Get started and save

    Pay in your retirement savings to frankly pillar 3a.

Get started now and open a pillar 3a


Start with frankly today and invest in multiple award-winning investment products from Swisscanto. Digital, transparent and secure.

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