Selma – investing & retirement

Selma – investing & retirement is a Swiss digital wealth manager that helps you build long-term wealth, manage pension savings and plan for retirement with automated, personalised investment strategies. The app assesses your financial situation, risk tolerance and horizon to create a globally diversified ETF portfolio and adjusts allocations as markets or life changes occur. Selma combines AI-powered advice, clear visual insights and retirement planning tools so you can track progress, run scenarios and make confident long-term decisions. It’s designed for investors who want transparent, hands-off management for both saving and post-retirement income.

Key Features

⭐ Personalized global ETF portfolios tailored to your risk profile, horizon and financial situation.

⭐ Automatic strategy adjustments and rebalancing as markets move or your life changes.

⭐ Portfolio themes: Classic, Sustainable, Income (dividend-focused) and Swiss bias.

⭐ Visual tools to track performance, project wealth and simulate different deposit/withdrawal scenarios.

⭐ Dedicated retirement tools: pension capital management, withdrawal planning and longevity estimates.

⭐ 24/7 AI-powered advice plus human support for detailed financial analysis.

Advantages

✅ Transparent, tiered management fees with no hidden costs and clear pricing brackets.

✅ Low entry amounts: from 2'000 CHF for investment portfolios and 500 CHF for pillar 3a.

✅ FINMA-authorised Swiss asset manager (Selma Finance AG) offering regulated custody and oversight.

✅ Automated management with portfolio customization options and retirement-focused strategies.

✅ Trusted by 16'000+ investors and recognised for strong net returns in Swiss comparisons.

Disadvantages

❎ Primarily focused on Swiss investors and pension systems, so some features may be less relevant outside Switzerland.

❎ Minimum entry amounts may be a barrier for very small investors or micro-savers.

❎ Management fees, while transparent, still apply and reduce net returns for smaller portfolios.

Development Team

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

Market Performance

Selma – investing & retirement is used by over 16'000 investors in Switzerland and was recognised in 2026 in a wealth management and banking comparison for delivering strong net returns, reflecting its focus on personalised ETF strategies and retirement solutions.