How investing with findependent works

Name: findependent
Brand: findependent
Rating: 4.9 (120 reviews)

Let your money work successfully for you without being a finance pro

Plant your investments

Start investing from as little as 500 francs with our broadly diversified investment solutions, both in Switzerland and worldwide. You’ll hold stakes in thousands of companies and real estate properties, with zero effort.

Harvest the fruits continuously

With your investments in equities, bonds, real estate and goldyou generate regular income in the form of dividends, interest and rental revenues. In addition, gold adds stability in the investment solutions Careful und Cautious.

Profit from growth

Yes, the market fluctuates – sometimes more, sometimes less. Yet, the stock market has recovered after every crisis, and in the long run, the trend points upwards, driven by global economic growth.
Learn more here.

Discover the findependent investment solutions

How investing with findependent works

No need to be a finance pro to invest successfully

Plant your investments

Start investing from as little as 500 francs with our broadly diversified investment solutions, both in Switzerland and worldwide. You’ll hold stakes in thousands of companies and real estate properties, with zero effort.

Harvest the fruits continuously

Your investments in equities, bonds, and real estate generate regular returns in the form of dividends, interest, and rental income. In our more defensive solutions (Careful and Cautious), gold provides additional stability.

Profit from growth

Discover the findependent investment solutions

Our investment principles

We want you to understand what’s happening with your money. That’s why we make investing crystal clear instead of complicated. Our team, and specifically our investment committee, relies on timeless principles.

Want to dive deeper? Join one of our webinars or book a free consultation!

Long investment horizon

Investing is not a trip to the casino. Those hoping for quick cash end up losing their shirtin most cases. We count on endurance. If you bring patience to the table, success is practically inevitable, without taking unnecessary risks.

In the past, anyone who invested, for example, in the Swiss stock market for at least 10 years, made a profit in 97% of the cases.On average, 1,000 francs turned into 2,310 francs. Time is your most valuable ally.

Strong diversification

With findependent, you never put all your eggs in one basket. We use ETFsto spread your money across entire markets. Instead of being dependent on individual companies, you benefit from the entire global economy.

This cushions fluctuations and reduces the risk of losing all your money to practically zero. It not only ensures stable, market-rate returns but also makes sure you can sleep soundly at night.

«Buy and hold»

No one can reliably and consistently predict the future.Therefore, no one can pick the perfect time to buy or sell. Those who trade constantly are usually too late and end up paying unnecessary fees. At the stock market, your gut feeling is often a poor advisor.

That’s why we consciously choose not to react to headlines. Instead, we stick to your investments, even when the market goes crazy. This is not only stress-free but also extremely cost-efficient.

Our investment principles

We want you to understand what’s happening with your money. That’s why we make investing crystal clear instead of complicated. Our team, and specifically the findependent Investment Committee, relies on timeless principles.

Want to dive deeper? Join one of our webinars or book a free consultation!

Long investment horizon

Strong diversification

«Buy and hold»

Putting investment principles into practice

Here’s how we do it

Our investment committee carefully selects the assets for our investment solutions.
As soon as a deposit from you arrives, we automatically purchase assets according to your chosen investment solution. We do this in a straightforward, emotion-free manner, without speculating on the “right” timing.
We apply the same principle when selling assets if you issue a withdrawal request.
We only make adjustments through rebalancingif the composition of your investment solution deviates significantly from the target values due to large price changes.
Our investment committee monitors the investment universe and, if necessary, makes adjustments to the investment solutions from a long-term perspective.

How to get the most out of findependent

Start investing, no matter what the market conditions may seem like.
It’s better to start early with a small amount and gradually invest more over time.
Invest your money in regular, consistent steps. The best way to do this is with a standing order.
Only invest money that you can comfortably do without for the next five years.
Sit back and relax, and benefit from the power of compound interest.
Keep your investments through all market conditions, even if they temporarily lose value.
Enjoy life: Withdraw funds anytime you need a little extra.

Embark on your journey to greater financial freedom

Our investment solutions are your ticket to greater financial independence. It’s the clever way to make more of your savings, instead of letting them sit idle in a bank account with mini interest rates.

Off you go to financial freedom

FAQs – frequently asked questions and answers

How is an ETF taxed?

You pay tax on the market value as normal assets. The income (whether distributing or reinvesting) is taxed as income. This also allows you to reclaim any withholding tax deductions. The good thing: findependent creates a free tax statement, which you can insert as a PDF directly into your electronic tax return. The corresponding values are automatically transferred and there is no need to type them in.

Where is my money safe?

If your money is invested in an investment solution that invests in ETFs, for example, the money counts as special assets and is not part of the bankruptcy estate in the event of the bank going bankrupt and is therefore safe.

What is a passive investment strategy?

A passive investment strategy tracks the return of the market as a whole. No constant back-and-forth between sectors, regions and companies, but a simple and cost-effective “buy-and-hold” strategy.

Active or passive - which is better?

A passive investment strategy is the better choice. Passive is significantly cheaper than active and the level of fees is a decisive factor in terms of the return generated. Active managers charge higher fees because they are constantly reallocating assets. However, scientific studies show that this does not lead to a better return. The bottom line is that an active strategy leaves you with less.

How investing with findependent works

Our investment principles

Long investment horizon

Strong diversification

«Buy and hold»

Our investment principles

Long investment horizon

Strong diversification

«Buy and hold»

Putting investment principles into practice

Here’s how we do it

How to get the most out of findependent

FAQs – frequently asked questions and answers

Our asset classes and their returns

Why fluctuations in value are part of the game but should not worry you

Supply and demand

Booms and crises

Long-term trend of the financial markets

Time in the market beats market timing

It pays to start early and, above all, to hold your investments for a long time!

ETFs

Financial markets are not predictable

Successful investors are those who invest passively

Rebalancing