What is Selma's Pension mode?
Pension mode adjusts Selma to your new life stage. Your investments and recommendations are automatically adapted to fit your situation as a retiree – whether you want to use your wealth for regular income, keep it growing, or preserve it as an inheritance.
Why do I need Pension mode?
Retirement changes how you use your money – because:
Your regular salary stops coming in
Safety often becomes more important than chasing high returns
You might want your wealth to provide a steady income
That's exactly what Pension mode helps with. It makes the transition into retirement smoother and ensures your money continues to support you reliably throughout this stage of life.
Who is Pension mode for?
For anyone who no longer earns a regular income and wants to live off their savings or investments, for example:
Those entering regular retirement
Early retirees
Anyone who has withdrawn pension capital (e.g. from Pillar 2 or Pillar 3a)
How does Pension mode work?
You simply activate the mode in your Selma app – and Selma takes care of the rest:
Your financial situation gets analysed
You receive tips on how to make the most of your wealth
Your investment strategy is automatically adjusted
👉 Whether you have a pension gap or not, Selma ensures your investments match your retirement needs and goals.
What if I have a pension gap?
If you have a gap: Selma adjusts your portfolio so it provides regular income – with a more stable, defensive setup.
If you don't have a gap: Great! Your pension covers your needs – Selma helps you grow your wealth sensibly, fund your dreams, or pass something on to the next generation.
Either way, your money keeps working for you.
What do I get with Pension mode?
✅ All the tools and Selma AI guidance
Calculate your ideal cash buffer in retirement
Estimate how long your wealth could last
Find out how much you can safely withdraw each month
✅ A personal investment plan
Based on your full financial picture: wealth, income, debt, and goals
Automatically adapts when your situation changes
✅ Investment options tailored for retirement
🇨🇭 Swiss franc focus to reduce currency risks
💸 Optional income portfolio with dividends and interest for more predictable withdrawals
🔄 Automatic adjustments: your portfolio gradually becomes more defensive as you age
✅ Personal support
Expert help when you have questions
Individual calculations for your needs, income planning, and how long your money might last
How to activate Pension mode
It's simple:
Open the Selma app for iOS or Android
Go to Portfolio → Strategy → Pension mode
Tap Activate and follow the steps
Selma will automatically adjust your portfolio to your new life stage.
➡️ Activate Pension mode now and enjoy your retirement without financial worries.