Finpension Invest Review 2025 – Avantages et inconvénients
| Mis à jour: |(Information: certains des liens ci-dessous peuvent être des liens d'affiliation)
Finpension already manages the best third pillar and the best vested benefits account. And they have now launched Finpension Invest, their robo-advisor service. It is a very exciting time.
As usual, we will look into the advantages and disadvantages of this new service, in detail. We will also look at the fees, features, and security of Finpension Invest. By the end of this review, you will know whether you should use Finpension Invest and how it compares to other alternatives.
| Management fee | 0.39% |
|---|---|
| Product Costs | 0.10% |
| Withholding Costs | 0% – 0.15% (per canton) |
| Total Costs | 0.49% – 0.64% (per canton) |
| Investing strategy | Passive |
| Investing products | ETFs and index funds |
| Minimum investment | 0 CHF |
| Currency conversion | Free |
| Customization | Very high |
| Sustainable | Not by default |
| Languages | French, German, and English |
| Custody bank | Finpension |
| Users | 30’000 |
| Established | 2016 |
| Headquarters | Lucerne, Switzerland |
Finpension Invest
Un excellent Robo-advisor, optimisé au maximum, par Finpension.
- Optimisé pour les impôts
- Accès au marché privé
I have already talked at length about Finpension on this blog. They originally had a 1e pillar account and then started to offer vested benefits because their customers wanted to keep their money with them once they quit work. And finally, they created Finpension 3a.
This company is fascinating because I consider their 3a to the best third pillar available at this time. And they also managed to get the best vested benefits account.
Since they have started, they always had an excellent reputation, and they have led several things in the way of innovation. As of 2024, they are managing well over two billion in CHF.
In 2024, they have now introduced another product in their lineup: Finpension Invest. This service is a Robo-advisor, outside the retirement system. They had been hinting at this already in 2023, so it is great to see the final product.
It is important to note that Finpension was approved as a securities firm by FINMA. It means that they can hold the securities themselves and do not need to use a custody bank.
For regulatory reasons, Finpension Invest is only offered to Swiss residents.
So, we will see in details what Finpension Invest is.
Investing strategy
First, we will start with the investing strategy. It is essential to see how a Robo-advisor invests to see whether we should use it or not.
Finpension Invest uses Exchange Traded Funds (ETFs) for stocks. For bonds, they use index funds. Using ETFs is the standard way Swiss Robo-advisors work. The good news is that they only use index ETFs. Index ETFs are following an index instead of trying to pick stocks. This makes them cheap, and in practice they even beat active funds.
There is usually a tax-efficiency downside to using ETFs, but as we will see in the next chapter, Finpension Invest does not suffer from this downside.
There are two main ways to set up your strategy:
- Auto-Select: Will prepare a portfolio for you.
- Self-Select: Will let you be more specific about your strategy.
In all cases, you can reach up to 99% invested (in stocks or bonds). You will need to keep 1% in cash. You can even keep 99% in a money market fund if you are really risk-averse.
The part not invested in cash, stocks or money-market will be invested in Swiss bonds. This makes sense because your bonds are here to reduce risks in your portfolio. So, you should not introduce currency risk there. And hedging would not solve it because you would pay the costs of hedging and pay higher income tax (because of higher yields in foreign bonds).
For auto-select, you can select between three focuses for stocks:
- Global: Fully diversified internationally.
- Switzerland: Invest globally but with a strong bias on Swiss stocks.
- Sustainable: Only invest in sustainable stocks (globally).
For Self-Select, you have a few more options:
- Global: Fully diversified internationally.
- Europe: Invest globally but with a strong bias on European stocks.
- Switzerland: Invest globally but with a strong bias on Swiss stocks.
- Broad Impact: Sustainable investing with a global impact.
- Climate Impact: Sustainable investing with a focus on climate.
- Social Impact: Sustainable investing with a social focus.
And finally, as is standard with Finpension, you can also do a custom portfolio with Finpension Invest. This means you can pick up the funds directly yourself, among more than 40 available funds. You are full liberty to invest in your portfolio.
In your account, you can have up to 10 different portfolios. Each of these can have a different strategy.
Finally, you can also invest in private markets. Private markets are deals outside the public stock market. With Finpension Invest, you have access to two institutional funds for private markets investment. This is quite impressive because no other Robo-advisor provides you with access to private markets.
It is important to note that private markets will only be offered to those with a very-high-risk profile (based on your answers to the risk assessment). This limitation makes a lot of sense because private markets can be very volatile.
Moreover, you cannot mix private markets funds with other funds in the same portfolio. You can have multiple private markets funds (in different portfolios), but each of these portfolios must be invested fully in private markets. Since you can have 10 portfolios, this is not a big limitation.
Overall, the investing strategy of Finpension Invest is excellent. They have all the bases covered, and they even offer access to private markets, something no other simple Robo-advisor offers at this point. This service can be an excellent tool for long-term investing.
Example portfolio
We can pick an example to look at the details of the strategies proposed by Finpension Invest. For me, the default Finpension equity 100 (Global) strategy is a good example to look at.
This portfolio is very well diversified since it covers all markets. Each country and region are represented based on their market capitalization. For instance, Switzerland is about 2% of the entire world stock market, while the US is currently about 66%.
You may be surprised by the number of funds. In theory, it would be simpler to use a world fund and let the fund pick the countries and do the rebalance. However, since Finpension Invest wants to be extra efficient with taxes, they have to pick at least one fund for the US to allow BlackRock to do the full withholding reporting for them.
So, while I would generally prefer not having tiny percentages in a portfolio, in this case it makes total sense and this is very well diversified and balanced.
Finpension Invest Fees
Typically, the best criteria to distinguish between two Robo-advisors is the price. To maximize your returns, you want to minimize your fees. So, it is essential to analyze the fees of Finpension Invest in detail.
Finpension invest has a 0.30% custody fee and a 0.09% wealth management fee. This gives us a total fee of 0.39%. These fees include VAT.
It is worth nothing that on your yearly statement, you will see these two fees separated. The custody fee is something you can usually deduct custody fees from your taxes, in most cantons. So, it is nice that they provide these two numbers separated.
On top of the 0.39%, you will need to pay the TER of the funds. On average, this will range from 0.08% to 0.10%.
Finally, Swiss stamp duty is also due on the transactions (for ETFs only, not index funds) and is not included in the all-in fee. As wealth managers, Finpension is obligated to charge this.
Since they are using ETFs, there is no issuing or redemption commission when you buy or sell. The currency conversion fee is also included into the fees.
Overall, the fees of Finpension Invest are excellent. A total of about 0.49% fee is really among the best we can find in Switzerland.
Moreover, in 2025, Finpension fee will be waived! This gives a total cost of 0.09% in 2025 for this service!
US Withholding Tax
We said before that ETFs generally have a disadvantage in tax-efficiency. This is because the US taxes dividends at source. With a US ETF, you can avoid this, but not with a European ETF and no Swiss Robo-advisor offers US ETFs. With a European ETF, you would lose 15% of the dividends coming from US stocks.
It is easy to estimate that cost. US stocks are currently 66% of the world stock market and have an average yield of 1.50%. So, on average, losing these dividends is the same as adding an extra fee of 0.1485% (rounded to 0.15%).
Normally, this is not reclaimable. However, Finpension managed a very innovative technique. They have a deal with BlackRock (the fund provider of the ETF). BlackRock will give them all the necessary information for each of the dividend withholding. Then, Finpension can tie this back to the shares held by the users. And from that, they can produce a statement that can be added to the tax declaration to reclaim this fee!
It is worth noting that Finpension is currently speaking to the different tax offices to validate this technique. But we already know that Lucerne accepted this reclaim. So there is a good chance that more cantons follow.
The DA-1 deductions can only be claimed if you reach a minimum of 100 CHF. The total will include Finpension claims and possibly other deductions you are doing yourself.
This feature really shows that Finpension knows their stuff. This feature gives a tremendous advantage to Finpension Invest against other Swiss Robo-advisors.
Opening a Finpension Invest account?
If you already have a Finpension account (for your 3a, for instance), you can directly create a Finpension Invest portfolio from it. Otherwise, you can start creating an account from scratch either from the website or from the app, it should be a fairly quick process.
As with any Robo-advisor onboarding, you will need to answer the usual risk assessment questions. From there, they will define your risk capacity. And again from there, they will suggest portfolios, but you can override the choice.
Si vous ouvrez un compte Finpension 3a, veuillez utiliser mon code FEYKV5. Ce code vous donnera un crédit de frais de 25 CHF (si vous déposez 1000 CHF au cours des 12 premiers mois) et aidera également mon blog.
Overall, it is fairly standard to open an account at Finpension Invest.
Deposits and withdrawals
We can also look at how to deposit and withdraw money to and from your account.
First, we should note you can start investing with as little as 1 CHF in your account. This is great because many Robo-advisors have significantly higher limits.
To fund your account, you can do a simple bank transfer. However, you must declare your bank accounts in advance. This means you can only transfer money from an account you have declared, and this account must be in your name. You can register multiple accounts in the app.
You can currently only fund your account in CHF, like most Robo-advisors.
Furthermore, you can also withdraw money directly from the interfaces. You can choose to which saved account you want to transfer money to.
Overall, deposits, and withdrawals are really convenient at Finpension Invest. And we will see in the next section, you can make it even easier by automating it.
Extra features
On top of the base investing features, there are also some very interesting extra features.
First, you can transfer money directly from one portfolio to another. This can be very practical. And this also allows you to transfer money from one portfolio to another service, like your 3a. I think they did an impressive job of integrating all their services together.
You can fully automate your investment thanks to the weekly reinvesting. With that, people can set up a standing order from their bank to their Finpension account and everything will be invested at most a week later. It is akin to a savings plan.
And you can also do the contrary with a de-savings plan. This allows you to set a standing order to withdraw money automatically and regularly. For instance, you could say you want 1000 CHF per month and Finpension Invest will automatically sell enough shares to reach that amount and send that to your bank account. Again, you can set up multiple of these plans for each of your portfolios.
Overall, it is excellent to see all these features already on the first version of Finpension Invest. From the start, they already have more features than most competitors.
Safety
Of course, we should not forget about the security of our money. You never want to send your money to a service that you cannot trust with this money.
Contrary to most Robo-advisors, Finpension Invest has a securities firm license. It means they can hold securities directly themselves, without relying on a third-party custody bank. From a regulation perspective, everything is in order.
If Finpension were to bankrupt, shares would be safe because Finpension has to segregate customer assets from their own. It would likely take a while because it would have to be transferred to a new custodian bank, but this should work well.
It is worth mentioning that Finpension has been profitable since 2019 (only a few years after creation). This is important for the long-term use of the service. Many Robo-advisors in Switzerland are losing money.
I have not been aware of any technical security issue with Finpension.
The only small downside is that they are a new securities firm (since March 2024). However, Finpension itself has been managing money since 2016 and has well over 2 billion Swiss francs in assets under management. This gives them a lot of experience.
Overall, money at Finpension Invest should be as safe as with any other Swiss Robo-advisor.
Alternatives
An excellent way to get an idea of how good a service is to compare it against other alternatives. There are many Robo-advisors available in Switzerland. I have compared Finpension Invest against three services.
Finpension Invest vs True Wealth
TrueWealth est un excellent Robo-Advisor, à un prix très abordable. C'est le Robo-Advisor le plus adapté pour les investisseurs sérieux.
- Très personnalisable
True Wealth is a very affordable Robo-advisor, the most mature available in Switzerland. They also have a great range of features and are serious.
The investing strategies of these two services are really similar. They both use ETFs and focus on cheap index ETFs. And you have a very high level of customization in both cases. A slight advantage of Finpension would be to offer access to private markets, but it depends on whether you want that or not.
You need 8000 CHF to start with True Wealth, while Finpension Invest lets you invest with as little as 1 CHF.
Looking at the fees, True Wealth has a total fee of about 0.63% while Finpension Invest is at 0.49%. This is a significant difference. It is worth mentioning that True Wealth has degressive fees. So, if you have a massive portfolio, True Wealth could become cheaper.
But once we factor the 0.15% tax advantage of Finpension Invest, it will always be cheaper than True Wealth. It is worth mentioning that True Wealth also has a feature to reclaim the US dividends. However, this will depend on which custody bank you use. If you use BLKB, you will not get any tax advantage. You will get it only with Saxo because they will then be able to use US ETFs. But this is very poorly documented by True Wealth.
Overall, both have more or less the same feature set, but Finpension Invest is significantly cheaper and has a lower minimum.
Finpension Invest vs Findependent
Findependent est un Robo-advisor très bon marché avec un focus durable, qui veut rendre l'investissement facile. Utilisez mon code PoorSwiss pour recevoir 20 CHF.
- Excellent frais
Findependent is a more recent Robo-advisor with low prices and a nice range of features.
Both Robo-advisors use ETFs. Findependent only lets you invest 98% in stocks, slightly below 99% of Finpension Invest. Furthermore, by default, Findependent will only use ESG ETFs. You can create a custom portfolio to go around this. So, overall, Finpension is more flexible in the choices, especially with the addition of private markets.
You need 500 CHF to start with Findependent while Finpension Invest will let you start with 1 CHF.
On the fee perspective, both are quite well priced. Findependent charges a 0.40% fee, while Finpension Invest is at 0.39%. But the currency exchange fees of Findependent are much higher (0.50% against 0.002%) and stock exchange fees are not included in Findependent. And when we factor in the extra tax efficiency of Finpension Invest, it will be cheaper than Findependent. However, it is worth mentioning that Findependent has a staggered fee (all the way to 0.29% at one million of assets).
Overall, Finpension Invest has some significant advantages over Findependent. It is cheaper, more flexible and has a lower minimum.
Finpension Invest vs Selma
Investissez facilement avec Selma: Une excellente façon d'investir en bourse sans avoir à tout faire soi-même.
- Excellent pour les débutants
- Frais dégressifs
Selma is another Robo-advisor that has a stronger target on beginners. They aim to make investing simple, without the bells and whistles.
Selma only gives you the choice between sustainable and standard investment. Apart from this, you will have no choice on the portfolio. The portfolio will be chosen based on your answers to the questions from the risk assessment. This makes it easier for beginners, but almost much less flexible than Finpension Invest.
As for fees, Selma has a base fee of 0.68% plus about 0.22% for the ETFs, for a total fee of a 0.90%. When we compare this against the 0.49% total fee for Finpension Invest, this is a very significant difference. And if we take the extra 0.15% in tax efficiency, this gets even more significant.
It is worth mentioning that Selma fee can be reduced if you have a large portfolio. The minimum fee is 0.42% with 500’000 CHF, much closer to Finpension Invest.
For any medium to advanced investors, Finpension Invest is a significantly better option than to its flexibility and fees. Using Selma would mean paying a significant premium that should be well thought of.
Finpension Invest vs VIAC Invest
In December 2024, VIAC followed Finpension with their Robo-advisor service, VIAC Invest. Since these services are quite similar, we should compare them in more detail.
One difference in how things are being is that VIAC created its own funds and invests customer assets in them. Finpension on the other hand, uses other funds directly. In practice, this makes little difference for users, unless they want to customize. In this case, Finpension has a major customization advantage since you can choose all funds directly.
The base fees of both services are the same at 0.49%. However, VIAC Invest does not have any stamp duty included. But VIAC Invest has some small to medium redemption and subscription fees, while Finpension does not.
The main difference is how US dividends are handled. In some cantons, you can get all the withholding back with Finpension Invest (0% withholding). In other cantons, you get the usual 15% withholding. Unfortunately, VIAC invest uses Swiss funds for US stocks, resulting in 30% withholding. This makes a major difference in favor of Finpension Invest.
For me, this tax-efficiency advantage is enough to make Finpension Invest a better option.
If you would like to learn more, you can read my detailed comparison of Finpension Invest vs VIAC Invest.
Finpension Invest FAQ
Combien de portefeuilles pouvez-vous détenir avec Finpension Invest ?
Vous pouvez avoir jusqu'à 10 portefeuilles, chacun avec une stratégie différente.
Quel est le montant minimum que vous pouvez investir avec Finpension Invest ?
Vous pouvez commencer à investir à partir de 1 CHF.
Qui peut investir avec Finpension Invest ?
Tous les résidents suisses âgés d'au moins 18 ans (et qui ne sont pas citoyens américains).
À qui s'adresse Finpension Invest ?
Finpension Invest est idéal si vous souhaitez investir en bourse (ou sur les marchés privés) et si vous voulez minimiser les frais.
À qui Finpension Invest ne convient-il pas ?
Finpension Invest n'est pas idéal si vous êtes un débutant en matière d'investissement ou si vous êtes suffisamment expert pour pouvoir investir par vous-même.
Finpension Invest Résumé
Finpension Invest
Finpension Invest est un nouveau Robo-advisor, par Finpension, déjà à l'origine du meilleur troisième pilier. Nous voyons donc à quel point ce nouveau service est bon !
Marque du produit: Finpension
5
Avantages
- Frais impayés.
- Excellente efficacité fiscale.
- Vous pouvez investir jusqu'à 99 % en actions.
- Vous pouvez investir à partir de 1 CHF.
- Excellente stratégie d'investissement.
- Excellente intégration avec les autres services de Finpension.
- Applications web et mobiles.
- Personnalisation avancée.
- Accès aux marchés privés.
- Très transparent.
Inconvénients
- Une solution entièrement nouvelle.
- Le droit de timbre n'est pas inclus dans les frais de gestion.
- Ne convient peut-être pas aux débutants.
Conclusion
Un excellent Robo-advisor, optimisé au maximum, par Finpension.
- Optimisé pour les impôts
- Accès au marché privé
Finpension l’a encore fait ! Leur nouveau service, Finpension Invest, est à nouveau un excellent service. Ils offrent un ensemble de fonctionnalités très intéressantes, d’excellents portefeuilles et des frais de premier ordre.
Ce service offre des fonctionnalités très innovantes, telles que la prise en charge de la retenue à la source pour les dividendes américains. Maintenant que je vois cela, je me demande pourquoi aucun autre service n’est passé par là avant. Cela montre vraiment que Finpension est prête à faire un pas de plus pour fournir un service exceptionnel.
Compte tenu de toutes ces caractéristiques et de tous ces frais, je pense que Finpension Invest est le nouveau meilleur robot-conseiller disponible sur le marché.
Par souci de transparence, je dois préciser que je n’utilise pas moi-même de robot-conseiller. J’investis directement par l’intermédiaire d’un courtier. Si vous avez les connaissances et la volonté de le faire, investir par vous-même avec un excellent courtier sera moins cher que d’investir par l’intermédiaire d’un Robo-advisor.
Et vous? Que pensez-vous de Finpension Invest ?
Prochains articles
Selma vs True Wealth 2025 – Le meilleur robo-advisor suisse ?
Selma et True Wealth sont deux excellents robots-conseillers suisses. Comment choisir entre les deux ? Je les compare en détail pour vous !
Revue de clevercircles 2025 – Pour et Contre
clevercirlcles est un nouveau robot-conseiller suisse, avec un petit quelque chose en plus. Ils ajoutent une fonction communautaire au système. Est-ce suffisant pour briller ? Nous allons le découvrir.
True Wealth Review 2025 – Avantages et inconvénients
True Wealth est le plus ancien des Robo-Advisor suisses et aussi le moins cher ! Découvrez toutes les informations dont vous avez besoin sur True Wealth dans cet examen approfondi !
Apprenez des moyens faciles d'optimiser vos finances et d'économiser des milliers de francs en Suisse avec notre e-book exclusif. Découvrez les services financiers les plus rentables adaptés aux résidents avisés et aux expatriés!
Obtenez votre guide suisse d'économies GRATUIT
Bonjour Baptiste,
Merci beaucoup pour ton article, ayant un nouveau 3a chez finpension, je me posais la question pour l’invest.
Si j’ai bien compris, il faut ajouter la taxe Droit de timbre suisse à chaque achat/vente ?
Ce qui veut dire qu’à chaque rééquilibrage on va être taxé ?
Bonjour Alexandra,
Oui, les frais de timbre sont dus sur les rééquilibrages, mais c’est proportionnel à la quantité de vente/achat, donc pas énorme en général à moins d’être très imbalancé. Mais c’est la même chose pour tous les Robo-advisors Suisses.
Bonsoir Baptiste,
Merci pour ta réponse, ça me permet d’y voir plus clair.
Je me posais la question suite à une réponse que tu as donné pour une autre personne. Tu as écrit: « Mais en pratique, c’est le contraire, la plupart des Robo-advisors font trop de changement et cela coute cher en frais et en performance »
Donc finpension invest c’est le cas ? Il y a le risque de trop de changements ?
Bonne question. Il faudrait voir en pratique après quelques années. Mais c’est probablement la même chose avec tous les robo-advisors.
Par contre, on peut désactiver le rééquilibrage avec Finpension Invest, ce qui n’est pas possible avec tous les services.
Hello Baptiste,
Merci pour la comparaison, super boulot.
Tu dis dans un commentaire qu’il est préfèrable d’investir soit même sur des ETF pour s’affranchir des frais des robots advisor.
Mais quid de l’arbitrage ?
J’ai remarqué que Truewealth par exemple, parfois vend, très rarement mais ça arrive.
J’imagine que cela participe à la performance.
Comment répliquer cela si on investit soit même ?
J’ai actuellement une performance chez Truewealth entre 12 et 15%.
Est-ce facilement accessible en investissant soit même sur des ETF world, sans arbitrer ?
Merci.
Bonjour Mathieu,
Quel arbitrage? Il y pleins de forme d’arbitrage. Il est vrai qu’en théorie pourrait faire mieux qu’une approche passive. Mais en pratique, c’est le contraire, la plupart des Robo-advisors font trop de changement et cela coute cher en frais et en performance. Je pense donc qu’il n’est pas intéressant de faire cela.
Salut Baptiste,
Un grand bravo pour ton travail, ta réactivité et tes articles que je suis régulièrement. Toujours un plaisir de te lire et d’en apprendre plus sur la finance personnelle.
Comme d’autres et après avoir lu ton article, j’ai démarré mon 3a avec Finpension et j’avais déjà remarqué l’option invest. Ce n’était plus qu’une question de temps avant que tu fasses ta review.
Il y a quelque temps, j’ai également lu ton article sur Investart qui est un robo-advisor aussi bon marché avec IB comme banque dépositaire… donc la possibilité d’avoir accès au ETF américains dont le fameux VT-Vanguard Total World Stock.
Cette app mobile peut elle soutenir la comparaison avec Finpension Invest ?
Merci d’avance pour ton retour.
Meilleurs messages !
Salut Marc
Merci, je suis content que ça te plaise!
Bonne question. Je dirais que Investart est encore moins cher que Finpension. Et, en théorie, encore plus efficace car ils utilisent les ETFs américains directement.
La grosse différence, c’est que Investart utilise Interactive Broker et garde donc l’argent à l’étranger, ce qui le place dans une autre catégorie. Mais c’est sûrement le robo-advisor le moins cher grâce à ça.
Salut Baptiste,
Merci beaucoup pour cet article claire et complet comme d’habitude.
J’ai déjà mon troisième pilier chez Finpension 3a et je suis très content.
J’apprécie beaucoup ta comparaison de Finpension Invest aux autres robo-advisors.
Si je veux changer mon robo-advisor actuel pour Finpension Invest à quoi faut-il faire attention (procédure complexe et couteuse) ?
Bien cordialement
Bonjour Ivan
Je suis ravi que l’article vous plaise :)
Il n’y a pas grand chose à faire attention, je dirais, à condition que ça soit pour le long-terme. Ca va faire des couts de vente d’un coté et des couts d’achat de l’autre. ET vous allez potentiellement être hors du marché pour au moins une semaine. Mais sur le long terme, c’est vite amorti si vous passez à un meilleur service.
Bonjour Baptiste et merci pour ton excellent article. J’ai grace à toi déjà investit dans le 3eme pillier de finpension (et pour la première fois je gagne vraiment de l’argent!).
J’ai commencé également à investir quelque centaine de Francs en ETF dans l’app Neon, que je trouve bien plus Beginner Friendly et stressant qu’un Interactive Broker par exemple (même si je passe également par ce service pour faire mes armes).
Derrière ce pavé ce cache une petite question en lien avec la fin de ta conclusion : passer par un Robot Advisor serait-il une bonne solution pour diversifier ses investissements? Ou le simple fait de diversifier ses ETF via son broker du coin suffit-il?
Bonjour Ed,
Merci pour le partage. Neon Invest est excellent pour faire ses armes!
Je ne pense pas qu’un Robo-advisor offre beaucoup de diversification si vous avez déjà un portefeuille diversifié avec un bon courtier. Ca permet de réduire le risque en évitant d’avoir tout dans un même service et certaines personnes apprécient ça, mais c’est pas nécessaire.
L’avantage d’un Robo-advisor c’est de tout simplifier pour les gens qui ne veulent pas investir eux-mêmes.
Hello, merci pour ta réponse.
Je pense que je vais tout de même investir une partie de mon épargne via finpension invest un peu pour les tester et aussi pour voir si en faisant les choses de mon coté via IB ou Neon j’arrive à reproduire les résultats ou à les dépasser.