Save tax with the frankly pillar 3a app

Your private pension in a fully digital form without any paperwork

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Enjoy tax advantages with pillar 3a

Benefit twice over:
 

  1. Realise your wishes for the future. Thanks to our excellent Swisscanto investment products you benefit from higher return opportunities than with a low-interest pillar 3a account.
     
  2. How to save taxes with pillar 3a: If possible, pay in the maximum pension amount so that you can deduct it in full from your taxable income in your tax return.
     
Save tax with pillar 3a

Your advantages with frankly

With as little as CHF 1

You decide for yourself. There is no minimum deposit.

Attractive return opportunities

thanks to Swisscanto’s high-quality investment products.

Safety comes first

frankly was developed by Zürcher Kantonalbank, one of the safest universal banks in the world.

Simple, fast registration

Fully digital. No paperwork and no bank visits.

Keep an eye on your pillar 3a in the app 

✓ Deposit and invest at any time in the app. You decide on your investment strategy, while we help you and guide you in the app to the right product that meets your wishes and requirements.

 

✓ Manage your pillar 3a with ease. You can see your performance at any time, make deposits and have access from anywhere – what more could you want? Fully digital – no paperwork whatsoever.

Transparency

Calculate your pension with frankly

Find out how much money you could have when you retire.

I am amale,35years old andemployed.

You must be between 18 and 63 years old

You must be between 18 and 64 years old

Annual deposit
Transfer 3a assets
Risk level
Adjust
Annual deposit
CHF
Transfer 3a assets
CHF
Risk level

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 tend towards safety and only take manageable risks. You accept small fluctuations in assets.

You are risk-tolerant, but you do not take major risks. You accept slight fluctuations in assets.

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

You are very open to risk and are not worried about losses. You see risks as opportunities. You accept considerable fluctuations in assets.

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Investing in securities pays off

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.

Expected - frankly
CHF
3a account (comparison)
CHF
Worst Case - frankly
CHF
Best Case - frankly
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 0.05% 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.

Today
in years

With frankly there's more left over

Did you know that you even save when saving with frankly? Find out how much money you save with us compared to the competition.

694'100CHF542'200CHF
CHFsaving thanks to the all-in fee
of 0.47%

With frankly’s
0.47% all-in-fee

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.

frankly is simply cheap

One price for everything

 

Want to save money while saving securities? The all-in fee on your account and securities balance is currently 0.47% 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.

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.

Current all-in fee 0.47%
of comparable offers 60%

With frankly there's more left over

Our all-in fee is half the price of the average Sparen 3 securities solutions compared by the independent Swiss online comparison service moneyland.ch.

Saving together: the frankly discount

The more customers save with frankly pensions, the cheaper the all-in fee becomes for everyone. This means that managing your pillar 3a will become cheaper over time. We’ve already reached the first threshold of CHF 100 million, so we’re offering a 2% discount on the all-in fee for all frankly users. You can track how far away we are from the next tier in the app.

Community assets

  

Community discount on all-in fee

What is the all-in fee?

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 community discount has already been deducted from the current all-in fee of 0.47%. There is no legal claim to the discount.

200 million

2%

CHF 100 million

2%

CHF 500 million

4%

CHF 1,000 million

6%

Frankly_Anlageprodukte_BGlightaqua

Find an invest­ment product that suits you

The award-winning investment products of our partner Swisscanto Invest by Zürcher Kantonalbank support both cautious and adventurous investment strategies. Choose the investment product that suits you. Simple, straightforward – directly via the app.

What others are saying about frankly:

Who is frankly?

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.

It only takes a few minutes to get started

Open your new frankly Sparen 3 in just a few minutes.

1.

Download for free

Download frankly from the App Store or Google Play.

2.

Quick registration

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

3.

Get started and save

Pay in your retirement savings to frankly Sparen 3.

Download now for a better pen­sion solution

Request the download link be sent to you by text message. Or scan the QR code to download frankly directly.

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