Selma Finance

You can withdraw money from your investment account at any time. A withdrawal usually takes 3-5 banking days.

How to withdraw money from my investment account

Selma provides you with different return calculations to give you the most transparent information for your situation.

How does Selma calculate returns?

Selma maintains your investment planet and makes adjustments whenever something significant happens with your finances or in the market.

How does Selma manage or adjust my investments?

Here is a short explanation what the words in the transaction list mean.

Transaction terminology

Selma monitors the price of global stock markets, checks if prices are high or low and acts accordingly to reduce risks.

How Selma detects if investments are cheap or expensive aka measuring the over- or undervaluations

Using the information you provide in your investor profile, Selma will create a tailor-made investment mix for your investment account.

How does Selma put my investments together?

​Selma looks through all available investment products and picks the best ones.

How does Selma select investment products?

Your investment mix is a portfolio of investment products uniquely combined for you.

What's in an investment mix?

No one can predict when it's the best time to buy/sell. That's why you should always think about the long-term perspective when investing.

Is now a good time to invest?

You are transferring the initial investment amount to your new Selma account and want to know what happens next.

What happens once I transfer money to my new Selma account?

Everybody's life is different. Some can afford to lose more money than others. That's why not everybody should invest in the same way.

Why shouldn't everyone invest in the same way?

Selma invests a minimum of 8% in Swiss companies to take advantage of trading in CHF and the defensive nature of Swiss company shares.

How much does Selma invest in Swiss companies?

The date that Selma shows for buys and sales is the date when the actual movement of money on your account takes place.

Which date does Selma show for transactions?

Rebalancing stands for adjusting your investment planet.

When and why does Selma rebalance?

There are no costs for choosing the sustainability preference, but indirect costs can occur.

Are there any costs for switching to sustainable investing?

Selma invests in exchange-traded funds (ETFs) because they are low in costs, transparent and have clear goals.

Why are there ETFs in my investment mix?

Funding your investment account is as easy as 1-2-3. All you need to do is make a bank transfer to your new IBAN.

How to deposit money into my investment account?

You may have noticed some cash sitting in your investment account. Find out how it supports a well-balanced investment strategy.

Why is there uninvested cash on my investment account?

Comparing the performance is not as easy as it seems. The strategy, timing, amount and diversification have an impact on the performance.

How to understand investment performance

Follow Selma's pro tips to stay on top of markets fluctuations.

Markets have been bumpy. Should I do something?

Any transactions you may wish to make on your Selma account are included in the Selma fee.

Does Selma charge for transactions?

Your deposit plan is your guide to investing confidently despite the ups and downs of the markets.

What is the deposit plan?

The deposit plan is a transparent and easy solution to help you make the most of your savings. But you have no obligation to follow it.

Do I have to follow the deposit plan?

Worry not – you won't be charged any surprise fees for following your deposit plan.

Are there any fees for following my deposit plan?

The QoQa code can only be activated before money arrives on your account.

How to add my QoQa code?

You are considering a larger deposit? Here is some helpful information for you.

I plan to make a larger deposit into my investment account. What should I consider?

Let us guide you through the best practices when you plan to invest again after a total withdrawal.

How to start investing with Selma again?

Learn about “loans to companies” and “country loans” and how Selma decides whether they should be part of your investment portfolio.

Why are there bonds in my portfolio?

Investment preference: Swiss bias

Pension mode adjusts your investments after retirement – for steady income, lower risk, and long-term peace of mind.

What is Selma's Pension mode?

Get regular payouts with this portfolio, designed for retirement or to supplement your income.

What is Selma's Income portfolio?

Understand the difference between the performance of a single fund and that of the full category it belongs to.

Why doesn't the performance of a category match the funds it's made of?

Marco Barmettler

Laurène Soubrier

Investment account

Contributors

Links

Find answers and get help from Intercom Support and Community Experts

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