ellexx is one of the few fintechs in Europe founded by women. Behind it stand economist Patrizia Laeri, lawyer Nadine Jürgensen, and designer Simone Züger. ellexx is an investment and financial education platform for women, built on three core pillars: information, financial literacy, and financial solutions.

As an investment and financial education platform for women, ellexx brings all essential financial topics together in one place. The platform is built on three pillars: information, financial education, and financial solutions.

ellexx provides information:
We challenge the status quo, raise awareness, and offer critical insights into money matters. We shine a spotlight on the financial gaps women face throughout their lives.

ellexx provides financial education:
Our community gets clear answers and practical support for all financial questions. Through our app, we offer immediate help for everyday financial decisions — from regular live coaching sessions, learning videos, budgeting tools, and checklists to contract templates.

ellexx provides financial solutions:
ellexx is reshaping the financial world. We initiate new product ideas and, together with our partners, offer fair, equitable, and sustainable financial solutions that meet women’s needs across different life stages.
Since November 2025, ellexx has offered a digital in-app investment solution for socially focused ETF savings plans — making ellexx the first investment platform for women in Europe.

In our app, ellexx provides a digital in-app investment solution with ETF savings plans — ellexx invest. The custody bank is Hypothekarbank Lenzburg AG.

Additional financial solutions include a 3a pension product with Bank Vontobel, a gender-lens equity product with Migros Bank, and legal protection insurance with CAP, a subsidiary of Allianz.

ellexx also offers independent financial consultations and wealth advisory services — by women, for women.

ellexx offers a digital investment solution with ETF savings plans. With ellexx invest, you invest cost-effectively, in a diversified way, and with a focus on social sustainability.

ellexx also offers an equity product with Migros Bank as an additional building block for already diversified portfolios. With the ellexx equity product, you invest in companies committed to advancing gender equality.

For more complex financial situations, you can book a session with our independent wealth advisors. Our experts answer all your questions and help you build an investment strategy tailored to your needs.

ellexx offers award-winning financial journalism. Our editorial team covers current events and in-depth stories on women, finance, and gender equality. We highlight topics that other media mention only in passing — or not at all.

In addition, ellexx provides coaching and courses that empower people financially. You can join the ellexx Membership starting at just 19 francs per month.

ellexx stands for product innovation: we provide financial information for women while also developing women-friendly financial products.

Together with our partners, we offer fair, equitable, and sustainable financial solutions that address women’s needs across different life stages — free of banking jargon, with real social impact, and aligned with our own investment principles. That’s what the ellexx approved label stands for.

Ask Him is a recurring feature at ellexx. We ask men the kinds of questions that are usually only directed at women. Our goal is to break stereotypes — and to expose toxic patterns along the way.

People say you shouldn’t talk about money — but we do. In our Money Talk series, we speak with diverse women about the still-taboo topic of money.

1. Social criteria

92 % of women care about sustainable investing. Yet most ETF savings plans in Switzerland ignore this need. We don’t — we invest in a way that protects the environment and future generations. We focus on:

• Gender equality and diversity in leadership
• Fair wages and working conditions
• Protection of human rights
• Corporate ethics and social impact

In short: your money works not only for returns, but also for your values.

2. Fair fees

We mean it! The fee jungle in the financial industry is a scandal. Many fintechs hide fees or use bait offers like zero-franc custody — and then make money through high FX fees or by charging customers expensive tax reports, sometimes over CHF 500. Discount brokers often offer worse execution prices. And if you buy eight ETFs every month, you continually pay costly trading fees.

All of this eats into your returns — so look closely!

Because economic ethics matter to us, we offer:

• Minimal FX fees of 0.25 %
• No additional trading fees (for monthly ETF purchases)
• Free tax statements
• VAT included

3. By women, for women

Our savings plans are curated specifically for women’s needs. One major barrier for many investors — women and men — is the overwhelming product range on the Swiss stock exchange: more than 2,000 ETFs and counting.

After extensive surveys with thousands of women and analyzing hundreds of independent advisory sessions, we created five core ETF savings plans.

Our ETF savings plans include:

• Social criteria (see above): your money flows to companies that act ethically
• Currency hedging — particularly important for Swiss investors given the strong franc
• Long-term wealth building through reinvested earnings and dividends («accumulating» ETFs for an optimal compounding effect)
• Plans for children and godchildren — start investing for the next generation from birth
• Time savings thanks to a carefully preselected set of ETFs
  
  

• Accessible: Start investing with small amounts — digitally and without barriers. With ellexx invest, you can begin with CHF 1,500.
• Easy to understand: What others make complicated is intuitive and approachable with us.
• Meaningful: Invest in line with your values — with ETFs that focus on social impact.
• Fair: Transparent all-inclusive fee with no hidden costs. With ellexx invest, it pays off even if you invest small monthly amounts, as we charge no additional trading fees. Compared to traditional banks, you benefit from significantly lower fees and access to cost-effective ETFs.
• Supportive: ellexx supports you with knowledge, community and exchange. Through our membership learning content, you can build a solid foundation in investing and ask all your questions to our experts and the ellexx community.
  
  

Because the financial world is still dominated by men — and traditional products often fail to reflect women’s real lives.
Nine out of ten bank advisors admitted that they primarily target men.

That’s why we rethink finance:

• Values-based investing
• Clear and accessible explanations
• Fair costs
• Long-term wealth building

With ellexx, you don’t just get a product — you gain financial confidence that aligns with your life and your values.

ETF stands for Exchange Traded Fund. Similar to shares, ETFs are traded on the stock exchange. ETFs track an index, such as the Swiss SMI or the global MSCI World.

When you invest in an ETF, you’re not investing in a single company — you’re investing in many at once. This gives you broad diversification, meaning your risk is spread across a wide range of investments.

Today, there are low-cost ETFs for almost every asset class, including equities, bonds, commodities, real estate or crypto. You can find more information in this article.

ETFs are simple, transparent and cost-effective. They track markets automatically, without fund managers actively deciding which individual stocks to buy or sell — these are known as passive products. This keeps you broadly diversified over the long term and allows you to benefit from global economic growth at very low fees.

An ETF savings plan is a simple, smart and convenient way to invest regularly. You choose your investment strategy, set a monthly amount — and everything else runs automatically via a standing order.

Without having to think about it, you invest every month. This allows you to build wealth step by step, without the need to constantly manage purchases or sales.

With a savings plan, you invest automatically and regularly — regardless of whether markets are rising or falling. This smooths out the entry price of your investments (the cost-average effect) and helps you avoid emotional decision-making.

You also remain invested over the long term and benefit fully from the power of compound interest.

An ETP (Exchange Traded Product) works similarly to an ETF but tracks the price of a single asset — for example, a cryptocurrency or a commodity. This allows you to benefit from the performance of a specific theme or asset without having to purchase it directly.

No. The ellexx app is free to download, and you can use ellexx invest independently of a membership.

The ellexx Membership is an optional, complementary offer for anyone who wants to build financial knowledge alongside investing and gain more confidence in their money decisions.

As an ellexx Member, you benefit from:

• a comprehensive budgeting tool to track your investment rate
• monthly live coaching sessions with expert coaches
• video courses on investing, retirement planning and personal finance
• practical checklists for concrete financial questions
• and access to our WhatsApp community, where you can ask questions and exchange with other members at any time
  
  

As an ellexx member, you benefit from a wide range of advantages in our app. You can find all membership benefits on our website or directly in the ellexx app.

There are three different membership options to choose from:

• Monthly Membership
• Annual Membership
• Supporter Annual Membership
  
  

Our membership costs CHF 199 per year or CHF 19 per month. There is also a supporter annual membership available for 499 francs.

With the ellexx Membership, you receive the following benefits — available as a monthly or annual subscription:

• Access to all content in the ellexx app
• Weekly members-only newsletter
• All interactive checklists in the app, plus extended versions for download
• Your smart budgeting tool in the app
• All live coachings — 11 to 24 sessions per year on money, investing and retirement planning with top experts and the ellexx founders
• Motivational online courses on investing and retirement planning for beginners and advanced learners in the ellexx app
• 20% discount on our events Close the Gaps Night and ellexx Money Hacks Course
• Discount vouchers for offers from other female founders

All of this for CHF 199 per year or CHF 19 per month (incl. VAT).

With the Supporter Membership in the ellexx app, you receive the following benefits for one year:

• Access to all content in the ellexx app
• Weekly members-only newsletter
• All interactive checklists in the app, plus extended versions for download
• Your smart budgeting tool in the app
• All live coachings — 11 to 24 sessions per year on money, investing and retirement planning with top experts and the ellexx founders
• Motivational online courses on investing and retirement planning for beginners and advanced learners in the ellexx app
• 20 % discount on our events Close the Gaps Night and ellexx Money Hacks Course
• Discount vouchers for offers from other female founders

Additionally included:

• Two tickets for the Close the Gaps Evening
• A Superwoman silk scarf from ellexx — because you are one!
• The Close the Gaps book with a personal dedication from the founders
• Endless love from the ellexx team 💜

All of this for CHF 499 per year, incl. VAT.

The Membership gives you access to a wide range of advanced learning resources that support you on your financial journey — from live coachings and checklists to on-demand videos, the full member version of the budgeting tool, and much more. As a member, you benefit from many features that are not available in the free version of the ellexx app.

At the same time, our thought-provoking and informative articles will remain free — also for those who cannot afford an ellexx Membership.

You can cancel your membership up to two days before it expires. The monthly membership can be cancelled on a monthly basis. Please note that you must cancel your membership via the website if you purchased it there. Likewise, memberships purchased in the app can only be cancelled directly in the app.

Yes, your membership will automatically renew once it expires. If you wish to cancel, you can do so up to two days before the renewal date. Please note that you must cancel your membership via the website if you purchased it there. Likewise, memberships purchased in the app can only be cancelled directly in the app.

Yes. If you want to empower someone financially, you can gift an ellexx Membership. You’ll find corresponding gift vouchers in our shop.

Our payment system requires a credit card even if you received an ellexx Membership voucher and therefore do not have to pay anything. You will not be charged. However, please note that you must cancel the membership before the voucher expires if you do not wish to continue. Otherwise, it will automatically renew as a paid membership.

ellexx works with independent financial advisors who provide financial advice tailored to women. They understand the financial challenges women may face throughout different life stages and know which topics and priorities deserve special attention.

At ellexx, we want to offer women transparent, comprehensive, and trustworthy financial guidance. That’s why we deliberately work with independent financial experts who are not tied to a specific bank or financial institution. Unlike advisors employed by banks or insurance companies, independent advisors and wealth managers do not receive commissions for recommending financial products. This allows them to select the financial solutions and investment products that best fit your needs — independently and cost-consciously.

ellexx offers independent financial advice tailored to different life situations and levels of wealth — from answering individual financial questions to long-term financial and retirement planning.

Clients can choose between four services:

• Finance Session: for specific questions about money, budgeting, investing, and retirement planning. Together with an expert, financial topics are explained clearly and individual questions are discussed.
• Financial Planning: for clients with investable assets starting at CHF 100,000 who want a holistic financial plan for today and the future.
• Wealth Management Advice: for clients with investable assets starting at CHF 500,000 who want to develop an individual investment strategy.
• Pension Planning: for people aged 50+ with pension fund assets starting at CHF 250,000 who want to explore different retirement scenarios and plan their financial future.

All services are provided by independent financial experts.

Absolutely. The strongest relationships are often the ones where people can openly talk about money together. Children are also welcome to join.

For pension planning, prices differ between individuals and couples, as planning for couples is usually more complex and requires additional aspects to be considered.

In your personal finance session, you can discuss all your questions about money, budgeting, investing, and retirement planning directly with an expert. She helps you gain a clear overview of your finances, identify your savings potential, better understand your retirement provisions, and work step by step toward your financial goals.

Your expert shares her knowledge, explains financial concepts and connections in an understandable way, and supports you in making confident and well-informed financial decisions — without providing individual investment recommendations.

The personal finance session is designed for women who want to take control of their finances and make independent financial decisions. You do not need to have a large amount of wealth to benefit from it — your financial expert will show you how to invest sustainably, cost-effectively, and with a long-term perspective, even with smaller amounts.

If you have investable assets of CHF 100,000 or more, we recommend a personal financial planning service. For assets of CHF 500,000 or more, we recommend a personal wealth advisory service.

The personal finance session focuses on financial education and empowerment. You can ask all your questions about money, and the expert will explain how financial topics work and what to pay attention to. The goal is to help you better understand your finances, gain confidence, and make informed financial decisions independently.

The personal finance session lasts one hour. To get the most out of it, we recommend preparing your questions and relevant documents in advance so you can make the best possible use of the session.

The personal finance session is generally held online. If you prefer an in-person meeting in the Solothurn area, you can arrange this directly with our financial expert, Delia Bohren.

After filling out the form, you will be guided to the payment step and then to the appointment selection page. There, you can easily choose a time slot that works best for you.

In the personal finance session, you can ask all your questions related to topics such as:

• Everyday finances & budgeting – how to manage your money more effectively and identify savings potential
• Investing & ETFs – how to start investing with smaller amounts and what to pay attention to, including sustainability aspects
• Retirement planning – how the Swiss pension system (AHV, pension fund, and pillar 3a/3b) works together
• Financial planning & life decisions – for example in relation to marriage, cohabitation, starting a family, or changing jobs

Of course, your expert can tailor the session to your individual situation and focus on the topics most relevant to you.

To get the most out of your session, it helps to have a basic overview of your financial situation beforehand.

You can use the ellexx budget template and think about the following questions:

• What is my monthly income?
• What is my total wealth?
• What are my fixed expenses (e.g. rent, insurance, taxes, subscriptions, transportation)?
• What are my variable expenses (e.g. leisure, travel, clothing)?
• How much debt do I have?
• (Optional) How much would I like to invest long term?
• (Optional) What does my retirement provision look like (e.g. reviewing my pension fund statement and pillar 3a)?
  
  

A financial plan helps you gain clarity about your financial situation and make well-informed decisions for your future. Together with an independent expert, you analyse your budget, retirement provisions, assets, and financial goals, and develop a plan tailored to your life situation. This helps you identify potential pension gaps early on, build wealth strategically, and make financial decisions with greater confidence and a long-term perspective.

Personal financial planning includes three meetings. During the initial session, your financial planner takes the time to understand your current financial situation in detail. Based on this, they develop your individual financial plan. In the follow-up sessions, you review the plan together, define the next steps, and clarify any open questions.

The meetings can take place either online or in person. You can arrange this directly with your planner after booking. Clara Creitz, Davide Zanetti, and Nadine Hunkeler offer in-person meetings in the Zurich area. Davide Zanetti is also available in the St. Gallen area.

After booking, you will be taken directly to the appointment selection page, where you can choose a time slot that suits you best.

After booking, you will receive an invoice for your advisory service. The payment term is 30 days. If, after the initial meeting, you feel that the service does not fit your needs, you will receive a refund — provided that your individual financial plan has not yet been prepared.

Financial planning covers the following areas:

• Financial overview: analysing your budget and liquidity situation
• Investment strategy: recommendations for building or expanding your wealth through investments
• Retirement planning check: evaluating your retirement situation and identifying potential pension gaps
• Insurance check: analysing your financial protection in the event of death or inability to work
• A written financial plan summarising the key findings and recommendations

Of course, your expert can tailor the process to your individual situation and focus on the topics most relevant to you.

The package also includes an annual ellexx membership worth CHF 199, as well as the book Close the Gaps (in German). You will receive both during the initial meeting, allowing you to continue building your financial knowledge alongside the individual advisory sessions.

To prepare for your financial planning session, it helps to get a basic overview of your financial situation in advance.

You can use the budget tool in the ellexx app and think about the following questions:

• What is my monthly income?
• What is my total wealth?
• What are my fixed expenses (e.g. rent, insurance, taxes, subscriptions, transportation)?
• What are my variable expenses (e.g. leisure, travel, clothing)?
• How much debt do I have?
• (Optional) How much would I like to invest long term?
• (Optional) What does my retirement provision look like (e.g. reviewing my pension fund statement and pillar 3a)?

In addition, your planner will need certain documents to prepare your financial plan. You can already start collecting or requesting these before the initial meeting:

• Salary statement / annual financial statements and balance sheet (for self-employed individuals)
• AHV individual account statement or pension statement
• Pension statements from abroad (if applicable)
• Pension fund statement and regulations
• Executive insurance / 1e plan statement (if applicable)
• Vested benefits accounts and policies (if applicable)
• Pillar 3a documents (accounts, policies, portfolios) (if applicable)
• Tax return
• Life insurance policies (pillar 3a / 3b) (if applicable)
• Investment portfolio overview / custody account statement (if applicable)
• Mortgage agreements (if applicable)
• Marriage agreement, inheritance agreement, or will (if applicable)
• Advance care directive and living will (if applicable)
• Divorce agreement / court ruling (if applicable)
• Overview of bank accounts or assets
  
  

Yes. Nadine Hunkeler is an internationally experienced financial planner and also offers consultations in English for expats living in Switzerland.

A personal wealth advisory session is particularly worthwhile if you have investable assets of CHF 500,000 or more and want to invest your money strategically, independently, and with a long-term perspective. It is also suitable if you are already invested and would like an independent second opinion on your portfolio, want greater clarity about the opportunities, risks, and costs of your investments, or are looking for professional support in managing your wealth. Together with an experienced independent wealth advisor, you analyse your existing investment strategy or develop a new one tailored to your goals, values, and personal situation.

A personal wealth advisory session lasts one hour. You have the opportunity to prepare your documents in advance and send the most important information to the independent wealth advisor beforehand by email. This saves time and allows you to get straight into the discussion during the session.

For the personal wealth advisory session, you can choose whether you would prefer the consultation to take place virtually or in person in Zurich. You can select your preferred option directly after booking the appointment.

After choosing your advisor, you will be taken directly to the appointment selection page after booking and payment, where you can choose a suitable time slot.

A wealth advisory session or discretionary wealth management mandate is generally worthwhile for clients with investable assets starting at CHF 500,000 (excluding pension fund assets and real estate).

It is helpful if you already have a basic overview of your financial situation and can answer the following questions. You can use the ellexx budget template for this:

• What is my monthly income?
• What is my total wealth?
• What are my fixed expenses (e.g. rent, utilities, childcare, insurance, taxes, subscriptions, transportation, phone and internet, leasing, loan repayments, maintenance costs)?
• What are my variable expenses (e.g. clothing, cinema, culture, restaurants, travel)?
• How much debt do I have?
• (Optional) How much would I like to invest long term?

You also have the opportunity to prepare documents related to your current investment strategy in advance and send the most important documents to the independent wealth advisor by email before the session. This saves time and allows you to get straight into the discussion.

A personal wealth advisory session generally covers the following topics:

• Financial situation analysis
• Risk profile
• Investment horizon
• Savings rate
• Financial goals
• Sustainability preferences
• Investment opportunities
• Fees and costs

Of course, your advisor can tailor the session to your individual needs and focus on the topics most relevant to you.

If you decide after the session to have your assets managed by Bente Roth, your advisory fee will be refunded. Of course, there is no obligation to do so — you can also book the session as a one-time consultation and continue managing your assets yourself or with another advisor.

Yes. Bente Roth is an internationally experienced wealth advisor and also supports expats living in Switzerland.

Personal pension planning helps you structure and plan your financial future after retirement early on (from age 50 onwards). It is particularly valuable if you want greater clarity about your AHV, pension fund, and overall wealth, compare different retirement scenarios, and ensure that your desired lifestyle will remain financially sustainable in retirement.

Together with your pension planner, you analyse your current situation and develop individual retirement scenarios — for example early retirement, partial retirement, pension payouts versus lump-sum withdrawals, or deferred retirement. This gives you a solid basis for decision-making and helps you understand the long-term financial impact of different options for you individually or as a couple. It also helps you identify potential pension gaps and optimisation opportunities at an early stage.

Personal pension planning includes two meetings. During the initial session, your pension planner takes the time to understand your current financial situation in detail. Based on this, they develop two individual pension scenarios for you. In the follow-up session, you review these scenarios together, define the next steps, and clarify any open questions.

The meetings can take place either online or in person. You can arrange this directly with your planner after booking. Clara Creitz, Davide Zanetti, and Nadine Hunkeler offer in-person meetings in the Zurich area. Davide Zanetti is also available in the St. Gallen area.

After booking, you will be taken directly to the appointment selection page, where you can choose a time slot that suits you best.

After booking, you will receive an invoice for your advisory service. The payment term is 30 days. If, after the initial meeting, you feel that the service does not fit your needs, you will receive a refund — provided that your individual pension plan has not yet been prepared.

Personal pension planning covers the following areas:

• Financial overview: analysing your current wealth and retirement situation, as well as your needs and goals after retirement
• Scenario planning: developing two individual pension scenarios including recommendations for action
• Retirement provision check: evaluating your retirement situation and identifying potential pension gaps
• A written pension plan summarising the key findings and recommendations

Of course, your expert can tailor the process to your individual situation and focus on the topics most relevant to you.

To get the most out of your pension planning session, it helps to have a basic overview of your financial situation beforehand.

You can use the budget tool in the ellexx app and think about the following questions:

• What is my monthly income?
• What is my total wealth?
• What are my fixed expenses (e.g. rent, insurance, taxes, subscriptions, transportation)?
• What are my variable expenses (e.g. leisure, travel, clothing)?
• How much debt do I have?

In addition, your planner will need certain documents to prepare your pension plan. You can already start collecting or requesting these before the initial meeting:

• Salary statement / annual financial statements and balance sheet (for self-employed individuals)
• AHV individual account statement or pension statement
• Pension statements from abroad (if applicable)
• Pension fund statement and regulations
• Executive insurance / 1e plan statement (if applicable)
• Vested benefits accounts and policies (if applicable)
• Pillar 3a documents (accounts, policies, portfolios) (if applicable)
• Tax return
• Life insurance policies (pillar 3a / 3b) (if applicable)
• Investment portfolio overview / custody account statement (if applicable)
• Mortgage agreements (if applicable)
• Marriage agreement, inheritance agreement, or will (if applicable)
• Advance care directive and living will (if applicable)
• Divorce agreement / court ruling (if applicable)
• Overview of bank accounts or assets
  
  

Yes. Nadine Hunkeler is an internationally experienced financial planner and also offers consultations in English for expats living in Switzerland.

Legal protection insurance supports you with legal questions and disputes and covers the costs and advances imposed on you – for example, for a lawyer, court proceedings, or the preparation of an expert opinion.

With personal legal protection, disputes related to shopping, work, equality, housing, or health are covered.

Traffic legal protection covers you as a road user, whether you’re traveling by e-bike, your own or a rented vehicle, boat, or airplane.

You can get involved in a legal dispute faster than you might expect. Conflicts can arise anywhere – in traffic, with your landlord, at work, or while shopping online. Legal disputes can become expensive quickly: just one hour with a lawyer can cost several hundred francs.

A lawyer friend might give you free advice or even represent you in court. But they won’t cover court costs or the other party’s expenses if you win your case and the other party can’t pay. Legal protection insurance covers court costs and all necessary advances in the cases included in your policy.

Depending on your coverage, the annual premium for legal protection insurance can be cheaper than just one hour with a lawyer. In a legal case, additional costs can quickly add up – court fees, expert reports, travel expenses, translation costs, compensation payments, bail, and more. With legal protection insurance, you can enforce your rights and be represented in court for covered cases without incurring extra costs.

Yes, legal protection insurance is an important complement to liability insurance. Liability insurance only helps you defend against unjustified claims or respond to legitimate claims. If you suffer a loss yourself and want to enforce your claims, you need legal protection insurance. And if your liability insurance refuses to pay, you’ll be glad you can rely on your legal protection coverage. Additionally, liability insurance usually does not provide legal information.

We want to encourage women to close their financial gaps. The gender pension gap is still 35 percent in Switzerland – poverty in old age is female. We have to change that. The third pillar is one way to do this. With the third pillar, you can make private provisions for yourself, grow your money in the long term, and save on taxes at the same time.

Due to a technical transition at our partner, Vontobel Bank, no new customers can be onboarded from the end of January 2026.

Existing customers will continue to have access via ellexx.vontobel.com and can keep making deposits as usual.

But we’re already working on a follow-up solution for you, which will be directly accessible via the ellexx app – making it much more convenient and intuitive to use. If you want to be notified as soon as the new solution is available, you can join the waitlist.

Yes. If you want to transfer your Pillar 3a, you can do so using a form provided by your new provider. You can submit the completed form directly via ellexx@vontobel.com.

Migros Bank is known for being fair and people-focused. It is a bank that is open to everyone — just like ellexx. We fight for financial education for all and work toward a more equitable financial system.
Migros Bank is unique in the banking world: in 2019, it abolished its internal bonus system. This ethical approach to business convinced us.

You can purchase it at any Swiss bank, neo-bank or digital trading platform.

You can generate a PDF for your bank via our website or send your advisor the product name and details:
«Migros Bank ellexx Gender Equality Basket», Valor number 110 588 569.

Alternatively, search directly in your investment app for:
«Migros Bank ellexx Gender Equality Basket»,
«Valoren-Nr. 110 588 569»,
and buy the product with one click.

With the ellexx equity product, you invest in companies committed to gender equality.
It was the first product among around 40,000 structured products in Switzerland (as of 2021) to focus specifically on gender equality.

Companies must meet three core criteria:

1. Gender Equality

Companies aligned with UN Sustainable Development Goal (SDG) 5, which aims to achieve gender equality and empower all women and girls. Criteria include:

• Representation of women at all levels — not only in top management, but across the entire company, including the executive board, senior leadership and board of directors.
• No controversies involving gender discrimination, unequal pay, or sexual harassment.
• No controversies involving forced labour, discrimination of workers, or discriminatory treatment of customers and other stakeholders.

2. Sustainability

Companies must have a strong sustainability rating and be assessed as responsible by our investment partner, Migros Bank.

3. Company Quality

Companies must demonstrate strong fundamentals, as performance also matters.
To be selected, a company must:

• Have a Bloomberg Analyst Consensus rating of ≥ 3, indicating positive expected future performance.
• Have a market capitalisation of at least USD 1 billion.

Migros Bank evaluates all equities classified by MSCI — one of the world’s leading sustainability rating agencies — as aligned with SDG 5.

The Basket contains 30 companies from Switzerland, Europe and the United States.

The composition of the Gender Equality Basket is continuously reviewed.
Because it is an actively managed product, companies can be removed at any time if they no longer meet the required criteria.

Our goal is to help women achieve financial independence and security while promoting gender equality, sustainability and social responsibility in the financial industry.
With this product, ellexx aims to strengthen social investing — ensuring that more money, investment and attention flow into companies and leaders who offer fair and equitable workplaces, value diversity and inclusion, and operate in socially responsible and sustainable ways.

The ellexx Gender Equality Basket is an actively managed product and therefore more expensive than a passive ETF that tracks an index.

In Switzerland, there are more than 40,000 «tracker certificates» — but the ellexx equity product was the first to focus specifically on gender equality.
A tracker certificate replicates the performance of a basket of securities one-to-one and is especially common for thematic, sectoral or regional investment baskets.

The product has been criticised for being unsuitable and too expensive for beginners.
However, the Gender Equality Basket was never designed or marketed as an entry-level product. It has always been intended as one component of a diversified portfolio for people who specifically want to invest in gender-equal companies.

ellexx also offers independent wealth advisory, where risks of investment products are explained and suitability is assessed.

The fee of 1.1 % is in line with the typical range for actively managed products and includes currency hedging against CHF fluctuations.
Of this 1.1% fee:

• The issuer (ZKB) receives 0.3 %
• The remaining 0.8 % is split equally between Migros Bank and ellexx
• ellexx receives 0.4 % for its cooperation with Migros Bank

From our perspective, the product is an innovation in the Swiss financial market — at a price comparable to similar products.