Aging populations, low-interest rates, inflation and other factors of economical turbulence are putting pressure on governmental pension funds and governments are placing more responsibility on individuals to plan for their own retirement.
BenifMe is a mobile app enables individuals sort out their well-being future, providing a full cycle of clients onboarding, contribution and rewarding as well as access to the knowledge base applied to a different life situation.
We pursue and systematically implement a passive investment approach for your well-being at BenifMe app. This means we stay clear of expensive investment products that aim to outperform the market. This is because several scientific studies have come to the conclusion that more cost-effective investment funds provide better returns on average than expensive ones (see for example the analysis by Nobel laureate William F. Sharpe, The Arithmetic of Active Management, Financial Analysts Journal, 1991). The deeper reason lies in what is known as market efficiency, which has been described by another Nobel Prize winner, Eugene Fama: In a liquid market, security prices fully reflect all available information.
For this reason, we mainly use ETFs, i.e., exchange-traded funds that track a market index. There are, however, more than three thousand ETFs on the market, not all of them suitable. We select the best ETFs for you. In doing so, we take account of not only the product costs, but also market liquidity and the counterparty risk associated with the structure of the ETF. Finally, we analyze how effectively the ETF tracks the market index (tracking error).
Setting up an account is done entirely online through a fast and intuitive onboarding process - no need to visit a branch or send in paper documents at any stage. On a later stage we may ask for information to verify your identity. This will only take a few minutes.
We are following all industry-standard regulations and best practices to ensure that your funds are protected. As a client, your money is safeguarded with Tier-1 Hong Kong and Asia banks. We maintain liquidity by keeping the money in safeguarding banks. Financial Services Compensation Scheme (FSCS) does not apply.

We use industry-leading TLS encryption protocols to keep your data safe, as well as two-factor authentication to make sure all the actions on our banking platform are indeed taken by yourself, or an authorized member of your team.

BenifMe is a collective name for BenifMe Limited and any other affiliated companies. BenifMe is not a bank or broker. BenifMe is a platform that enables international merchants to open e-wallets, make cross-border payments and currency conversions.
We know that compliance procedures can be one of the most frustrating things about making savings. At BenifMe, we pride ourselves on working really hard to make compliance as simple and painless as possible.
BenifMe available at all the countries where VISA or MasterCard available, since the cards used for regular payments at your account.
Our team is constantly working on adding additional payment methods and countries, so if yours isn't on the list yet, don't worry - it might be soon!
The onboarding process is 100% online to open an account with BenifMe.
Once we have determined your risk profile on the basis of our online questionnaire, we recommend a globally diversified portfolio tailored to your situation. At BenifMe, we optimize your portfolio exactly towards your personal risk profile, it has to be a perfect match. We do specify a framework to ensure that your portfolio always remains diversified and matches your risk appetite.
Since market movement causes your portfolio to stray from the ideal asset mix, we work to keep your portfolio on track. This means that we buy or sell the corresponding investment products for you to bring your portfolio back in line with your target asset mix. We don't do that too often, because each transaction will lower your return a little (although we deduct the trading commission from our asset management fee, a bid-ask spread is unavoidable). But we do so regularly, without your having to get involved. This is because, on the other hand, regular portfolio adjustments can generate additional returns, as prices often approach their multi-year average in the long term.
Typically, asset managers and banks enter into commission agreements with producers of investment products (investment funds, structured products), which guarantee the asset manager acting as intermediary kickbacks each time its clients buy the products of the producer. This happens even if the client has delegated the investment decision and portfolio implementation to the asset manager, i.e., the asset manager buys such products for the customer at its own discretion. At BenifMe we try do the fees as simple as possible, i.e. you can chose one paid plan or use the free one (default settings). Every plan illustrate the income you can get with the plan and losses could happened.
BenifMe makes investment decisions independently of banks and securities dealers (brokers). We make our selections based on one aspect only: what is best for your well-being.
ETFs are exchange-traded funds that usually try to replicate a capital market index. This means that ETFs aim to achieve the same return (after costs) as the index.
Some ETFs buy exactly the same securities as those included in the index (fully replicating ETFs). This method is suitable for liquid and developed markets. Other ETFs only hold a representative portion of the securities included in the index (replicating ETFs using sampling). This could be expedient where it is not cost-efficient to replicate the index perfectly. Then there are ETFs that use a derivative structure (total return swap) to track an index by purchasing the index return on the basis of a contract with a suitable counterparty (synthetic ETFs). The resulting counterparty risk depends in turn on how the derivative is collateralized.
There are also ETFs on the market that use leverage, i.e., they intend to double or triple the daily performance of the index. Or they do the opposite, i.e., they aim to achieve the negative daily return of the index (short ETFs). These instruments are speculative in nature and may have their uses in the short term, but investors should be able to understand them fully. We do not use leveraged ETFs, let alone short ETFs, because the underlying mechanisms cause investors to lose in sideways markets.
Confidence is a good thing. But we are often outsmarted by the accidental nature of market movements. If we buy Nestlé shares today and the share price actually rises, we are quick to take the credit. But if it falls, we blame it on all sorts of other factors. The same applies to other asset classes. Ultimately, developed capital markets are really quite efficient, i.e., the information available is already priced into the market. That is why even professionals have trouble predicting prices. A portfolio should reflect your own convictions and market expectations. But the important thing is to ensure that it always remains diversified, i.e., it should not focus on individual asset classes (or even worse: individual stocks).
Intuition is good. But when it comes to investing money, fears and hopes can often lead us astray. Capital markets are unpredictable and volatile, that is their nature. They go up and down all the time. Gains can quickly lead to euphoria, losses fuel fears. Both are dangerous. People who are driven by fear in an adverse market environment will invariably cut the asset allocation. Although this reduces the risk of further losses, it also curtails the potential to participate in the market recovery. In the long run, this is detrimental to long-term investment success. Conversely, when markets rally, investors tend to increase their allocations. Fine, if the trend lasts. But a problem, if the market starts to decline again. That is why your portfolio has to match your individual risk appetite and risk tolerance. To ensure that you can give your portfolio enough time to recover during difficult market phases.
  • Simplicity: In developing the BENIFME app, we have focused on making securities saving comprehensible to all investors. The key figures are reduced to the most important ones and explained in a simple language. The tedious journey to the bank is spared. Within three clicks you can retrieve all information. The BENIFME App offers you the possibility to get an overview of your personal pension assets at any time and anywhere.
  • Comfort: We want to relieve you of all annoying tasks as far as possible. It has never been so easy to save taxes and fees. With the App-based approach, you can open your saving account at any time and place and deposit money instantly. The investment of the pension assets according to the chosen strategy is then automated. Our intelligent system also ensures that the interest and dividends received are reinvested, so that the compound interest effect is used as efficiently as possible. We also give you the greatest possible freedom when making a deposit – which is already possible from 15 USD. This way you can deposit when and as much as you want, at no extra cost.
  • Low fees: Fees are also always a yield guzzler. This is particularly pronounced in the case of long-term investments. For this reason, we have focused on the lowest possible costs for our clients in the entire development of our system, as well as in the selection of the index investments used, without compromising on quality. Whether it’s software development, hosting or customer service – we rely on Swiss quality. Our offer proves that low costs are compatible with top service and quality.
  • Broad diversification: Diversification refers to the distribution of invested capital across several asset classes (e.g. equities, real estate etc.) or within an asset class over several individual securities. Specific risks can be minimized through good diversification. If an investor would only bet on 2 shares and one of them would have a negative yield, this could already have a negative impact on the overall result. Our strategies always combine several asset classes. Each asset class is in turn made up of several broadly based indices, which we map with index funds and ETFs. For example, a single strategy consists of more than 2’800 individual securities – if a single security pays off negatively, this has in most cases hardly any influence.
  • Autopilot for your pension: BENIFME takes care of all the tasks for you, you only have to pay in yourself. We automatically trigger the buy and sell orders, so that your pension assets are always within the chosen ranges. We take care of reinvestment of interest, dividends, payments and transfers. We optimize stamp duty, bid-ask spread and foreign currency exchange fees for you. Always with the goal of offering our customers the best product at the lowest cost.
  • Sustainability: Our goal is to use resources as sparingly as possible. That’s why we rely on a 100% digital and almost paperless offer. With our strategies, you can choose an implementation that is specifically geared to sustainability. Our office space and the servers are also operated with green electricity.
BENIFME’s service includes the following simplified services:
  • We maintain a globally diversified portfolio for each investment strategy, selecting the best and most cost-effective index funds and ETFs.
  • With our automated rebalancing mechanism, we monitor your portfolio on an ongoing basis and track the weightings of your investments to your target weighting on a monthly basis if necessary. In other words, if the weighting of an index investment has increased by more than 2% (e.g. due to price gains), the profit is realized and the weighting is reduced to the target weighting. On the other hand, if the weighting of an index investment has fallen by more than 2% (e.g. due to price losses), it is bought back at the lower price and the weighting is increased to the target weighting. We do not charge any additional costs for these transactions.
  • As soon as you have made a deposit or one of the investments has paid a dividend, we invest this money in your investment strategy without your intervention and without any additional costs.
  • In the BENIFME App we will show you at any time the development of your pension assets and inform you about the remaining deposit capacity of the current tax period. This way you always have an overview of your pension assets.
The BENIFME app runs in the same high-security zone as the e-Banking from various banks. Access to the BENIFME App is protected by your personal one time password. Already during the registration process we support you in creating a secure password. As soon as you want to make substantial changes, we will send you a code via email for maximum security, which you have to enter for confirmation.
The BENIFME app runs in the same high-security zone as the e-Banking from various banks. Furthermore, your data will only be stored in HK at two geographically different locations for maximum data security.
There is no immediate danger, as the thief cannot log in without a password and cannot change anything accordingly. An e-mail for a password reset is also sent only after successful identification. Money withdrawals via app are not possible. We recommend that you contact your mobile phone provider to block your mobile number and avoid any costs.
Yes. You will receive a monthly oncome notification right into the application, and additionally you will receive a notification every time, when someone from the friends you were invited have been started BenifMe.