What would happen if findependent went bankrupt?

That’s an important question. The short and reassuring answer is: Your investments and your cash are safe.

The reason for this is simple: 

• Your investments (ETFs): These legally belong to you. As segregated assets, they remain your property, are untouched in the event of a bankruptcy, and do not become part of the company’s bankruptcy estate.
• Your cash (liquidity): Your cash portion (1% of your total investment) is also protected. As with any Swiss bank account, the statutory depositor protection of up to 100,000 francs applies here.