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.
⭐ 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.
✅ 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.
❎ 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.
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.
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.
