If you compare True wealth vs Finpension, at this moment given the zero management fees, Truewealth 3a wins. There is no way FP can beat it with anything even if they use very low TER funds.
If Truewealth were to add management fees. Numbers would change too
But if an investor want to avoid high redemption on EM funds in Finpension, they can use the UBS EM fund (vs CSIF) which doesn’t have this high redemption fees.
This exactly!
Now, @True_Wealth , if you would kindly offer us an MSCI World pension fund, we could kindly move our money to you. Thanks.
Oh and while we’re at it: Nobody wants to pay Basel-Landschaft taxes for 3a redemptions, so kindly move your Stiftungssitz to Schwyz. You’re welcome.
That is not what I wanted to cover in this discussion - I wanted to fact-check “ETFs are always worse than index funds in 3a”. 
Reading all your feedbacks, it looks like this statement is wrong, or at least not correct in all cases. It really depends on many different aspects of the instrument, both index funds and ETFs.
Does somebody know if finpemsion also offerts ETFs in 3a? If not, that could also be the reason for this “no ETFs in 3a” statement…
Is EM ETF/pension fund the only exception that proves the rule? In that case ignore EM in pillar 3a and but it in taxable account ( if 3a is >10% of your total taxable + 3a). Otherwise the EM in your 3a is less than 1% of your overall allocation.
No finpension does not offer ETFs in 3a. I think there is no real value add.
Perhaps for Emerging market ETF might add some value but a low cost/spread fund should also work
I think we have a bigger fish to fry and that is total fees (TER + management fees), lets focus on that 
When it comes to newer 3rd pillar providers, most of them offer index approaches using index funds or ETFs. Most use same fund index fund providers (Swisscanto or UBS). So the difference boils down to flexibility of portfolio selection & ALL-IN-FEE.
For time being, following is the situation
So, I guess for time being, Truewealth wins as they are not charging any management fees.
Having said that, I like all four of them because in the end one will be cheaper than others because everyone cannot be the same.
I don’t fully follow. What does the Stiftungssitz have to do with 3a redemption taxes? When I redeem my 3a, it’s the canton of Zurich (in my case) whoes taxes apply. No?
Yes, the location of the foundation only matters for non-resident withdrawal (and people can always move their 3a before withdrawing if they need to).
This exactly, makes it easier for non-residents, doesn’t matter for residents, so it would be a net win
You also attract people who just want to cash out. Not necessarily good for long term business.
Solvable by fees.