Selma – investing & retirement

Selma

About this app

Build wealth, plan your future, and manage your pension savings.

Selma is a Swiss digital wealth manager that helps you invest, grow and manage your money automatically. Whether you are building long-term wealth, investing your savings, or managing pension capital after retirement, Selma creates a personalised investment strategy that fits your life & accompanies you along the way – with smart AI-powered advice.

Join 16’000+ investors in Switzerland who trust Selma to manage their money.

Selma Finance AG is an independent Swiss asset manager authorised by FINMA.

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Personalised investing that adapts to your life
Selma creates a globally diversified ETF portfolio based on your financial situation, risk level and investment horizon.

Your strategy automatically adapts as markets move or your life changes – helping you stay invested with the right level of risk.
You can also customise your portfolio according to your preferences while Selma continues to manage the overall strategy.

Available portfolio themes & preferences:
- Classic
- Sustainable
- Income (Dividend focused)
- Swiss bias

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Understand your investments
Selma helps you see how your money works for you.
Track your wealth, explore projections and understand how your investments evolve over time.

With clear insights and visual tools you can:
- track your portfolio performance
- view your total wealth and progress over time
- explore scenarios
- see how deposits and withdrawals impact your future wealth

Selma helps you make better long-term decisions.

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Powerful planning tools
Selma includes smart tools designed to help you plan your financial future.

These include:
- pension longevity calculator to estimate how long your wealth could last
- scenario simulations to explore different market outcomes
- deposit guides to help you invest new money confidently
- AI-powered advice that is personalised to you and your financial situation and investments – available 24/7

Everything is designed to keep you focused on long-term investing.

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Investing in retirement
Investing does not stop when you retire.

Selma helps you manage wealth before and after retirement with strategies designed for financial stability.

You can:
- invest pension capital
- plan withdrawals for retirement income
- track how long your savings could last
- check in with our experts for a detailed financial analysis

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Start investing in minutes

1. Answer a few questions about your financial situation and goals
2. Receive your personalised investment strategy & choose your portfolio theme and preferences
3. Open your account online
4. Let Selma manage your investments automatically

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Low starting amounts
Start investing with:
- 2’000 CHF for investment portfolios
- 500 CHF for pillar 3a

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Transparent pricing
Selma charges a simple management fee based on your invested assets.

- up to 50’000 CHF – 0.68% per year
- 50’000 - 150’000 CHF – 0.55% per year
- 150’000 - 500’000 CHF – 0.47% per year
- over 500’000 CHF – 0.42% per year

No hidden costs.

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Why investors choose Selma
- 2026 wealth management and banking comparison winner for - net returns in Switzerland
- personalised ETF portfolios
- dedicated retirement solution
- portfolio customisation options
- automated portfolio management
- investment insights and planning tools
- transparent pricing
- Swiss FINMA-regulated asset manager
- human support when you need it

Investing is a long-term journey. Selma helps you stay on track.

Download the app and start investing today.

What’s new

We never sit still - always building, always improving. Your app's getting smarter while you sleep