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4.5Do you think it’s worth saving for your retirement again? frankly, the new retirement planning app from the Savings 3 Pension Foundation of Zürcher Kantonalbank, is aimed exclusively at Swiss residents who want to invest at least part of their assets in securities, and gives you as a saver full control over your pillar 3a. Saving for retirement: with no minimum commitment and starting from CHF 1. Download the pillar 3a app free of charge now and get started. You already have a pillar 3a? The app makes sense for you too: frankly is only half the price of comparable securities saving offers. You can transfer your pillar 3 to frankly in just four steps. The frankly advantages: • Open an account in just a few minutes All you need is a smartphone and an ID card, and you’re ready to start. Of course, we’ll help you every step of the way. It couldn’t be simpler. • Clear & simple – fully digital We have completely rethought pillar 3a. So that you can manage your 3a retirement planning directly in the frankly app and check your account’s performance at any time. • Deposit as little as CHF 1 You decide yourself how much you want to deposit. There is no minimum deposit and no minimum term. • You save taxes With every franc you pay into your pillar 3a retirement savings plan, you reduce your taxable income (up to the maximum amount) and therefore save on taxes! This means you benefit twice over. • Investment products selected by you The ultimate goal is to build up your assets. You decide with your strategy how much risk you want to take. • Easy to switch Do you already have a pillar 3a solution? We offer you an easy, free transfer service. We pay your transaction fees and account closing costs (applies to the transfer of pillar 3a accounts from bank foundations). • frankly is cost-effective Low costs are important for optimal asset development. The all-in fee on your account and securities balance is currently 0.46% thanks to the community discount. With frankly, you can expect no securities custody fees and no flat-rate administrative fees for the investment product; they are included in the all-in fee. Saving securities with frankly is half the price of comparable offers. Please note that issue and redemption charges apply in favour of the fund for the indexed investment products in particular and these are not included in the all-in fee. You can find an exact definition of the all-in fee in the FAQs. • Our community discount The greater the number of customers who use frankly, the cheaper the all-in fee becomes for everyone. In the meantime we have already reached the second discount level of CHF 500 million, and with the more people who use it frankly will get even cheaper. Planning your private pension like this is fun. • Security and experience frankly was developed by Zürcher Kantonalbank for its pension foundation. Further information on the pillar 3a app, including pension calculator: www.frankly.ch
