Best Portfolio Tracker for Switzerland Investors

One dashboard for your Pillar 3a, brokerage accounts, and every currency you invest in — built for Swiss and Switzerland-based investors.

Why tracking investments in Switzerland is different

Switzerland is one of the world's most important financial centres, and its residents are among the most internationally diversified investors anywhere. The Swiss franc is a global safe-haven currency, but Swiss investors routinely hold significant positions in EUR, USD, and GBP-denominated assets — from US tech stocks and European index funds to London-listed ETFs. With the SPI and SMI offering limited sector diversification beyond financials, pharmaceuticals, and consumer staples, looking beyond Swiss borders is not optional for a well-constructed portfolio.

The complexity for Swiss investors goes beyond asset allocation. Switzerland's three-pillar pension system means wealth is spread across AHV contributions, occupational pension funds (BVG/LPP), and voluntary Pillar 3a accounts — each with different providers, different tax treatment, and no unified view. Add a Swissquote account, a UBS relationship, and perhaps an Interactive Brokers account for US markets, and you have five or six separate dashboards with no consolidated picture of total net worth. For the large expat population in cities like Zurich, Geneva, and Basel, the situation is even more fragmented with home-country pensions and accounts layered on top.

FlashFi gives Swiss investors a single multi-currency dashboard that tracks portfolios in CHF alongside USD, EUR, GBP, and 30+ other currencies. Whether you hold Pillar 3a securities through VIAC, a brokerage account with Swissquote, and US equities through Interactive Brokers, FlashFi consolidates everything with real-time currency conversion so you always know your true net worth in francs.

Key challenges for Switzerland investors

Three-pillar system creates fragmentation

Swiss retirement savings are spread across three separate pillars with no single view. Your first pillar (AHV/AVS) is a government pension with limited visibility. Your second pillar (BVG/LPP) sits with your employer's pension fund. Your third pillar (3a) is with a bank or digital provider like VIAC, Finpension, or Frankly. None of these systems talk to each other or to your brokerage accounts, making it genuinely difficult to know your total wealth position without manual consolidation.

Multi-currency exposure is unavoidable

Swiss investors face constant currency decisions. The SMI is heavily concentrated in a handful of large caps, so meaningful diversification requires holding EUR and USD assets. But the Swiss franc's safe-haven status means CHF regularly strengthens during global downturns, eroding the franc value of foreign holdings precisely when markets are already falling. Most Swiss platforms convert everything to CHF for display, hiding the underlying currency exposure that drives a significant portion of portfolio returns.

Canton-level tax variation

Switzerland's federal structure means investment taxation varies meaningfully by canton and even by municipality. Wealth tax applies to the total value of net assets including securities, and rates differ significantly between Zug, Zurich, Geneva, and Vaud. Income from dividends and interest is taxed at cantonal and federal rates, while capital gains on movable private assets are generally tax-free at the federal level. Understanding the true tax impact requires knowing your exact portfolio composition and current market value.

Expats in Switzerland face layered complexity

Switzerland has one of the highest proportions of foreign residents in Europe. Expats living in Switzerland often maintain pension accounts, brokerage accounts, and ISA or IRA equivalents in their home countries while building new positions through Swiss providers. Tracking a UK SIPP, a US 401(k), a Swiss Pillar 3a, and a Swissquote brokerage account across four currencies and four tax jurisdictions is exactly the kind of cross-border problem that single-country portfolio tools cannot solve.

How FlashFi helps Switzerland investors

CHF-Native Dashboard

View your entire portfolio in Swiss francs with automatic real-time conversion from EUR, USD, GBP, and 30+ other currencies. FlashFi shows you the true CHF value of your international holdings at all times.

Track All Three Pillars Alongside Investments

Add your Pillar 3a balance, second-pillar pension value, and any vested benefits accounts alongside your brokerage holdings. See your total Swiss retirement savings and liquid investments in a single net worth figure.

No Account Linking Required

FlashFi works with every Swiss and international broker through manual portfolio entry. Track holdings from Swissquote, PostFinance, UBS, ZKB, Interactive Brokers, DEGIRO, or any other platform without sharing login credentials or granting API access.

Real-Time FX Impact

See exactly how CHF/EUR, CHF/USD, and CHF/GBP movements affect the franc value of your international holdings. FlashFi separates asset performance from currency impact so you know whether returns came from the market or from franc strength.

Frequently asked questions

Can I track my Pillar 3a investments in FlashFi?

Yes. You can add your Pillar 3a holdings as a separate portfolio in FlashFi, whether you use VIAC, Finpension, Frankly, or a traditional bank 3a account. Your Pillar 3a balance is included in your total net worth alongside your brokerage accounts and other investments.

Does FlashFi show my portfolio in CHF?

Yes. Set CHF as your base currency and FlashFi will convert all holdings to Swiss francs using live exchange rates. You can also view individual positions in their native currency to understand your actual currency exposure across EUR, USD, GBP, and other holdings.

Is FlashFi useful for expats living in Switzerland?

FlashFi was built for exactly this use case. If you are an expat in Switzerland with a Pillar 3a, a Swissquote account, and investment accounts in your home country, FlashFi gives you one dashboard across all of them. Track everything in CHF, your home currency, or both — no bank linking or credential sharing required.

How does FlashFi compare to Portfolio Performance for Swiss investors?

Portfolio Performance is a free desktop application popular in Switzerland and Germany, but it requires manual FX rate management and runs only locally. FlashFi is a web-based tracker with automatic real-time currency conversion across 30+ currencies, accessible from any device. For Swiss investors with multi-currency portfolios, FlashFi provides a simpler setup with live FX data built in.

Does FlashFi track SIX-listed stocks and Swiss ETFs?

Yes. FlashFi tracks securities listed on the SIX Swiss Exchange alongside US, European, and other international markets. Enter your Swiss tickers and FlashFi pulls the latest prices automatically through its market data provider.

By David Brougham