finpact.ch

What It Is

Finpact is a modern Swiss wealth management firm. The text states that it originated as a spin-off from the University of St. Gallen and is regulated by FINMA. It is not a payment gateway or merchant acquiring service, but rather an investment and retirement capital management platform for individuals over 50. Typical use cases include savings, inherited assets, pension capital withdrawals, and monthly withdrawals after retirement.

Core Capabilities

The product flow is relatively clear: users first generate an investment plan online in about 4 minutes. The system produces a PDF based on their personal situation, risk tolerance, investment horizon, and goals; this is then further refined through a video consultation, after which Finpact implements the investment strategy. Investment options include Index Portfolio, Allwetter Portfolio, Pensionskassen Portfolio, and Klima Portfolio. For pension capital withdrawals, Finpact emphasizes dividing funds into three categories: “liquidity, security, and growth.” For retirement income, it offers an automated monthly withdrawal plan with no fixed term, adjustable at any time. The platform also provides an online Cockpit for viewing assets, portfolios, and tax documents.

Pricing and Compliance

The text repeatedly emphasizes “clear fees, no hidden costs” and “fair costs,” and says the investment plan includes a transparent cost overview. However, it does not disclose specific management fee rates, custody fees, transaction fees, or minimum investment thresholds. In terms of compliance, Finpact claims to be a FINMA-regulated Swiss wealth management firm, with assets held at Hypothekarbank Lenzburg in the client’s name. It also mentions daily risk controls and Swiss data protection standards.

Pros and Cons

Its strengths are its focused positioning, simple process, and substantial advisor involvement, making it suitable for people who do not want to study complex financial products but need retirement investment planning. FINMA regulation and a Swiss custodian bank also add credibility. The drawbacks are that the public text does not provide detailed fee rates, historical performance, drawdown data, or underlying asset breakdowns. APIs, open integrations, and payment methods are not disclosed at all, so it should not be regarded as payment infrastructure.

Who It’s For and Access from China

Finpact is better suited to individual investors living in Switzerland who are approaching retirement or already retired and need to manage pension capital withdrawals, inheritance, or savings. For users in China, the text does not provide information on Chinese-language services, cross-border account opening, or availability from mainland China, so its access status from China can only be assessed as unknown.