Do you think retirement planning should be worthwhile again? You could enjoy higher potential returns than with a conventional 3a account thanks to our award-winning investment products. With our proven products from Swisscanto Invest by Zürcher Kantonalbank, you can rely on a pension solution which for years has been one of the best.
Do you prefer to play it safe? Or are you open to risk? frankly's eight investment products cover the whole range of investor needs. Choose the one that's right for you. Simple and straightforward – directly via the app and as often as you want.
Do you want a complete overview of your retirement pension? frankly allows you to access key information from your app dashboard at any time of day. So you can always keep up to date with your investments, the performance of your securities and your assets.
Detailed information about the products is just a few clicks away. All documents and invoices can be viewed from your digital mailbox.
The all-in fee of 0.48% on your account and securities balance means you don't pay any other fees for your investment product – no matter how high your equity allocation is or whether you opt for an actively managed product or an index-linked one. Everything relating to the account is included. frankly is half the price of comparable offers.
You also benefit from the community discount: the all-in fee becomes even cheaper, the more users save together. You can track how far away you are from the next discount tier in the app.
It's in your hands. With frankly you can decide how to build your pillar 3a. Simple and straightforward – directly via the app. Whether you're a novice when it comes to securities or an expert: decide for yourself whether frankly should suggest an investment product that suits your needs or whether, as an expert, you prefer to choose an investment product directly.
And if you want to change your mind later? No problem: with frankly you can change your choice of product at any time.
When developing frankly, we placed the highest value on security. Both in the technology and in the diversification of your assets.
frankly was developed by Zürcher Kantonalbank – one of the most secure full-service banks in the world. In doing so, we rely on the experience of Zürcher Kantonalbank's Sparen 3 pension foundation and the high-quality investment products from Swisscanto Invest by Zürcher Kantonalbank. You simply feel safe with frankly!
Here you can see how your pillar 3a assets might perform by the time you reach 65 years old.
Here you can see how your pillar 3a assets might perform by the time you reach 64 years old.
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 0.05% on the pillar 3 account. Please note that this forecast does not take into account inflation and any taxes due at maturity.
Diese Übersicht basiert auf historischen, repräsentativen Indexdaten der letzten 15 Jahre. Die Werte beziehen sich auf die jeweils angezeigte Strategie nach Abzug der Verwaltungsgebühr sowie der relevanten Produktkosten. Die drei Linien stellen eine schlechte Wertentwicklung (5%-Quantil/hellgrau), eine mittlere (50%-Quantil/grün) sowie eine gute (95%-Quantil/dunkelgrau) dar. Mit geringer Wahrscheinlichkeit kann die Wertentwicklung auch ausserhalb dieser Linien zu liegen kommen, das zeigen die helleren Flächen (1%-, resp. 99%-Quantil). Vergangene Marktentwicklungen sind keine Garantie für die zukünftige Wertentwicklung. Die tatsächlich erreichten Vermögenswerte können erheblich von den Schätzwerten abweichen.
Did you know that you even save when saving with frankly? Find out how much money you save with us compared to the competition.
With competitor product and avg. 1.21% fees
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 February 2020). 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.
The more customers save with frankly pensions, the cheaper the all-in fee becomes for everyone. As soon as we reach the first 100 million francs of assets invested with frankly, we will grant a 2% discount on the all-in fee for all frankly users. This means that managing your pillar 3a will become cheaper over time. You can track how far away we are from the next tier in the app.
Community discount on all-in fee
The all-in fee of 0.48% includes all fees that apply to you: account maintenance, securities custody – everything is included. And as many investments and sales as you want. Plus the fund fees.
The community discount makes the all-in fee cheaper. The more everyone deposits with frankly, the greater the discount. In other words: the community discount depends on the total assets. So the total of all account and securities balances with frankly. The discount level is always decided at the end of the quarter. The discount then applies retroactively for the last three months.
The current community discount has already been deducted from the all-in fee of 0.48%. There is no legal claim to the discount.
CHF 100 million
CHF 500 million
CHF 1,000 million
„The funds offered by the Zürcher Kantonalbank through frankly have an average cost well below the average for retirement funds as a whole.“
„Frankly is a great option for a pillar 3a and offers a great user experience with very competitive pricing.“
frankly was developed by Zürcher Kantonalbank – one of the most secure full-service banks in the world. In doing so, frankly relies on the experience of Zürcher Kantonalbank's Sparen 3 pension foundation and the award-winning investment products from Swisscanto Invest by Zürcher Kantonalbank.
Open your new frankly Sparen 3 in just a few minutes.
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A Sparen 3 account is easy to open – no paperwork required.
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Pay in your retirement savings to frankly Sparen 3.
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