Selma – investing & retirement is a Swiss digital wealth manager that helps you build wealth, plan your financial future and manage pension savings with automated, long-term strategies. The app recommends a personalised, globally diversified ETF strategy based on your finances, risk tolerance and investment horizon, then rebalances and adapts as markets or life circumstances change while providing clear visual tools and scenario simulations to track performance and projections.

Key Features

Personalised ETF portfolios tailored to your financial situation, risk level and investment horizon, with options for Classic, Sustainable, Income and a Swiss bias.

Automated rebalancing and strategy adjustments to keep allocations aligned with your plan when markets move or your circumstances change.

AI-powered advice and scenario simulations that present projections and trade-offs to support decision making.

Pension and retirement tools for investing pillar capital and managing withdrawals over time, including support for pillar 3a accounts.

Advantages

Simple online onboarding: answer a few questions, receive a strategy and open an account without paper forms.

Low minimums to get started, with separate thresholds for investment portfolios and pillar 3a products.

Transparent, tiered management fees with clear pricing bands and no hidden charges.

Regulated Swiss asset management and access to human support when needed, backed by FINMA authorisation.

Disadvantages

Minimum investment requirements may be higher than some very low-cost robo-advisors for a small number of users.

The app focuses on ETF portfolios, so investors who want individual stock trading or complex derivatives will need other platforms.

While the service is automated, detailed financial planning for complex situations may still benefit from consultation with an advisory professional.

Development Team

Selma – investing & retirement is developed by Selma Finance AG, an independent Swiss asset manager authorised by FINMA, combining automated portfolio management with the option of human advisory support.

Market Performance

Selma – investing & retirement is used by more than 16’000 investors in Switzerland and has been recognised in comparisons for net returns and retirement solutions, reflecting its focus on personalised ETF strategies and long-term outcomes.