# Findependent \[2026\]
**URL:** https://forum.mustachianpost.com/t/findependent-2026/9928
**Category:** Investing / Brokers
**Created:** [March 4, 2023, 9:17pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928 "2023-03-04T21:17:07Z")
**Posts on this page:** 20
**Page:** 1
### Author:  [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [March 4, 2023, 9:17pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/1 "2023-03-04T21:17:07Z")
Hi all
I recently stumbled over [findependent](https://findependent.ch/) while searching for a (non-3a) robo-advisor solution for a friend (see [Robo Advisors comparison on Moneyland](https://www.moneyland.ch/en/swiss-robo-advisors-comparison)).
My first impression is good:
- all-in-fees 0.44% which is among the lowest of free-market robo advisors (correct me if you know a lower one)
- Vanguard FTSE All-World đ and mostly decent available ETFs
- allows for individual ETF picking (other than for example TrueWealth)
What do you think?
anybody knows about some allocation percentage limits?
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### Author:  [@Dr.PI](https://forum.mustachianpost.com/u/Dr.PI)
#### Post date: [March 4, 2023, 10:58pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/2 "2023-03-04T22:58:29Z")
Looks good. Not too expensive, FAQ has very good answers. I think I saw this website some time ago, but wasnât impressed that time.
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [March 5, 2023, 2:44am UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/3 "2023-03-05T02:44:50Z")
Isnât that basically paying 0.44% annually on bog-standard ETF portfolios?
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### Author:  [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [March 5, 2023, 1:33pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/4 "2023-03-05T13:33:19Z")
yes it
> [@San\_Francisco](#):
>
> Isnât that basically paying 0.44% annually on bog-standard ETF portfolios?
yes it is.
However that friend needs a fire-and-forget solution, with zero recurring actions required by him. Hence a robo advisor that supports recurring payments (Dauerauftrag). He is not realistically going to be involved in buying ETFs himself. So I try to find the next best thing for him đ
other suggestions welcome
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### Author:  [@San\_Francisco](https://forum.mustachianpost.com/u/San_Francisco)
#### Post date: [March 5, 2023, 5:33pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/5 "2023-03-05T17:33:45Z")
Well, at least they donât charge a custody fee - or do they? **Yuh** are also offer recurring investments, as do many of the German âdiscount brokersâ - which have a much larger range available of ETF in savings plans. Many of them also offer the accumulating IE00BK5BQT80 of the Vanguard All-World ETF, e.g. **Flatex** (for free in a savings plan) or **Smartbroker** (0.80 per execution).
Even if youâre not optimising costs of currency exchange and just funding this with a SEPA standing order from your bank account, it should be less expensive over the mid to longer term.
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### Author:  [@Yanikuza](https://forum.mustachianpost.com/u/Yanikuza)
#### Post date: [March 5, 2023, 5:35pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/6 "2023-03-05T17:35:44Z")
Iâve tested Selma Finance, it was a good experience. However, you canât chose a strategy or the ETF you want to invest in.
There is also Avadis, but they are more expensive with their 100% equity solution: 0.63%.
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### Author:  [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)
#### Post date: [March 5, 2023, 5:50pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/7 "2023-03-05T17:50:18Z")
> [@nugget](#):
>
> anybody knows about some allocation percentage limits?
Next to the FTSE All-World it says âMaximalgewicht 100%â. [Einfach eigene Anlagelösung erstellen - findependent](https://findependent.ch/eigene-anlageloesung/)
The limit can be seen for every other ETF on the list as well.
IMO it looks like a decent set-and-forget option on top of a 3a account.
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### Author:  [@nugget](https://forum.mustachianpost.com/u/nugget)
#### Post date: [March 5, 2023, 5:53pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/8 "2023-03-05T17:53:29Z")
> [@Luk\_nuts](#):
>
> Next to the FTSE All-World it says âMaximalgewicht 100%â. [Einfach eigene Anlagelösung erstellen - findependent](https://findependent.ch/eigene-anlageloesung/)
Ah I was not aware of those columns. thanks for pointing out!
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### Author:  [@jay](https://forum.mustachianpost.com/u/jay)
#### Post date: [March 5, 2023, 7:38pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/9 "2023-03-05T19:38:33Z")
> [@nugget](#):
>
> other suggestions welcome
If it doesnât have to be a Swiss bank, Trading 212 could make sense. Lots of ETFs without commission and without custody fees (not in CHF, though). Auto-invest is possible even with multiple ETFs, e.g. to invest 90% in Vanguard Developed World and 10% in Vanguard EM for an average TER of 0.13% p.a. The only fees would be 0.15% currency exchange, as far as I can tell. Iâm not using it myself, though, so I might be missing something. And they lend out your securities to finance the zero commission trades. I also donât know whether they have a CH IBAN for wire transfers.
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### Author:  [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)
#### Post date: [March 7, 2023, 3:46pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/10 "2023-03-07T15:46:14Z")
As the SIX-Version of the FTSE All-World is distributing, I asked myself whatâs going to happen once the distribution hits the account. So I asked findependent.
They get automatically reinvested, once the amount is high enough (I believe itâs 100 CHF). If you time your regular investment right after the distributing-day, everything gets invested altogether.
Now since the All-World distributes in USD, you will have to pay exchange fee on the distribution part of the reinvestment, right?
Answer: _ **NO** _ !!
Findependent waives the charging of exchange fees in that case. IMO thatâs super nice for the casual investor.
So since the All-World is in CHF, you wonât have to pay currency conversion fees at all. đ
Obviously stamp duty (0.15% for foreign ETFs) is due.
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### Author:  [@jay](https://forum.mustachianpost.com/u/jay)
#### Post date: [March 7, 2023, 7:01pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/11 "2023-03-07T19:01:56Z")
> [@Luk\_nuts](#):
>
> Findependent waives the charging of exchange fees in that case. IMO thatâs super nice for the casual investor.
This sounds good but that saves only about 0.01% p.a. (2% x 0.5%), compared to the total fees of 0.44% p.a.
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### Author:  [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)
#### Post date: [March 7, 2023, 8:06pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/12 "2023-03-07T20:06:42Z")
Dang, you are right. I havenât even done the calculation.
Just seemed too nice. đŹ
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [March 19, 2023, 4:46pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/13 "2023-03-19T16:46:09Z")
Has anyone tried it?
Thinking about switching my GF from IBKR to this. It would be much easier for her as I constantly need to help her with investing.
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### Author:  [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)
#### Post date: [March 19, 2023, 4:55pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/14 "2023-03-19T16:55:56Z")
Will probably choose their solution for my sister as I like the idea, their product and the people behind it a lot.
Iâve done a little calculation on how much the fee would be compared to yuh, Swissquote and IBKR. I used 4% interest and 2k investment per month as an example.
You can draw your own conclusion. đ
EDIT: One thing thatâs interesting is that according to [this video](https://youtu.be/AWaAYFgwrkg?t=2165) they plan to launch a fee scale this year (video in Swiss German), meaning that the fee should become cheaper for higher amounts.
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### Author:  [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)
#### Post date: [March 19, 2023, 6:05pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/15 "2023-03-19T18:05:11Z")
> [@Cortana](#):
>
> Thinking about switching my GF from IBKR to this.
BTW: Is the [IBKR: Recurring Investments available! - Investing / Brokers - Mustachian Post Community](https://forum.mustachianpost.com/t/ibkr-recurring-investments-available/9664) not an option for your GF?
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### Author:  [@Cortana](https://forum.mustachianpost.com/u/Cortana)
#### Post date: [March 19, 2023, 6:15pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/16 "2023-03-19T18:15:44Z")
No as her monthly investments vary.
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### Author:  [@locenad](https://forum.mustachianpost.com/u/locenad)
#### Post date: [March 19, 2023, 7:37pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/17 "2023-03-19T19:37:36Z")
I have checked out their solution a few months ago, but decided against it. One reason was the FX markup of 0.5% which is IMO ridiculous compared to IB or other Swiss robo advisors (just VIAC is also at 0.5%, others are way lower: Finpension 0 (because they trade everything in CHF), True Wealth 0.1%, Selma 0.25% just to mention a few others).
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### Author:  [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)
#### Post date: [March 19, 2023, 8:02pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/18 "2023-03-19T20:02:08Z")
As you can see from my chart, it makes almost no difference if a one-off fee is paid at the time of the transaction. đ
There are also good options in CHF like the FTSE All-World ETF.
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### Author:  [@locenad](https://forum.mustachianpost.com/u/locenad)
#### Post date: [March 19, 2023, 8:17pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/19 "2023-03-19T20:17:01Z")
Your chart is very nice! Thanks for sharing. What tool have you used for creating it? I would like to play around with it with other provides, also in the 3a area.
For Findependent, you have not added the FX markup in the chart, right?
> There are also good options in CHF like the FTSE All-World ETF.
That one is available with Findependent? Do you have the ISIN at hand?
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### Author:  [@Luk\_nuts](https://forum.mustachianpost.com/u/Luk_nuts)
#### Post date: [March 19, 2023, 8:25pm UTC](https://forum.mustachianpost.com/t/findependent-2026/9928/20 "2023-03-19T20:25:32Z")
> [@locenad](#):
>
> What tool have you used for creating it?
That is Excel, I can send it to you.
> [@locenad](#):
>
> For Findependent, you have not added the FX markup in the chart, right?
Correct, I calculated with a CHF-solution, which is what I would do if I invested there.
> [@locenad](#):
>
> That one is available with Findependent? Do you have the ISIN at hand?
IE00B3RBWM25
All of the available ETFs can be found here: [Create your own investment solution - findependent](https://findependent.ch/en/own-investment-solution/)
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