# 3a Finpension Value/Quality strategy

**URL:** <https://forum.mustachianpost.com/t/3a-finpension-value-quality-strategy/14113>\
**Category:** Investing / Portfolios\
**Created:** [October 5, 2024, 3:55pm UTC](https://forum.mustachianpost.com/t/3a-finpension-value-quality-strategy/14113 "2024-10-05T15:55:48Z")\
**Posts on this page:** 1\
**Showing post:** 3

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**Author:** ![Mirager](https://forum.mustachianpost.com/user_avatar/forum.mustachianpost.com/mirager/32/12344_2.png) [@Mirager](https://forum.mustachianpost.com/u/Mirager)\
**Post date:** [October 5, 2024, 8:01pm UTC](https://forum.mustachianpost.com/t/3a-finpension-value-quality-strategy/14113/3 "2024-10-05T20:01:38Z")

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> [@msci-li](#):
>
> I don’t mind taking some significant risk until a few years before retirement, when I feel it should make sense to switch to less volatile investment solutions

Depends how you define significant risk, I think. I’d assume you’re not defining significant risk by being all stocks, right?

I haven’t looked into Large Cap Value (which looks like what the second holding is) but my gut feeling is that it’s probably not a very high-performing segment, and I was never sold on Small Cap or EMs. The Quality fund smashes all of the other funds, and makes a lot of sense to me conceptually, @Julianek’s excellent post [here](https://forum.mustachianpost.com/t/if-i-was-an-index-investor/4705) converted me.

My point is, you are diversified, but also concentrated in some Factors/Geographies. Way I see risk is classic: less diversification of any kind (Factor, geography, other)=more risk. I went 99% on the Quality fund because due to the nature of the 3A where the money is locked I decided to take more risk than my liquid holdings which are far more agnostic.

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