This is a brokerage service, but not a wealth management service. According to pension regulations, they must perform wealth management services but not just a plain brokerage service. Thats exactly the point.
1 Like
BVV regulations are still the same than how you probably remember them. The only thing is that it is now clear that these regulations apply for the full ammount of the investment foundation (but not the individual polic):
SR 831.441.1 - Verordnung vom 18. April 1984 übe… | Fedlex (admin.ch)
The question on asset limits is mainly what could reasonably be argued to still be adequately diversified.
With regard to the point of managing things, I would refer to article 48f that clearly states that they manage the wealth (so its no brokerage service but wealth management):
SR 831.441.1 - Verordnung vom 18. April 1984 übe… | Fedlex (admin.ch)
In my view, FP is clearly non-compliant here.
1 Like
It’s an interesting point of view, but I think you’re fixating too much on rebalancing being a necessary part of asset management. I’m clearly managing my family’s assets, and I happily disable rebalancing on the 3a part of it to minimize costs. I insist on this being a prudent thing to do.
Interesting
Zero fees in 2025 on our investment solution
The Fee Holiday applies to our existing clients and all new clients of our investment solution for free wealth.
1 Like
= Not 3a.
2 Likes
ah ok, thanks. It was too good to be true
2 Likes
Hi everyone,
After allocating funds for 2 years in a Finpension 80% Equity portfolio, I am wondering how to move forward this 3rd year.
I have some questions:
-
For a non-expert, is it worth the burden of creating your own customised strategy? I know many of you suggested this, but I don’t feel I am yet there to make a sound decision on that front.
-
I know we can’t predict the future, but wouldn’t going 99% Equity be way too risky provided that stocks are at at ATH (in general)?
-
Would it be a good idea to just deposit Cash in Finpension, get an interest (is that 1%?) and get the tax benefit while waiting to see what happens with the market and then eventually switch to a different strategy?
Thanks, everyone!
All-time highs are usually followed by another all-time high. The stock market is not a lake or a river with a historically average water level it will always go back to. If that were the case, the average return of stocks would approach 0% over a long enough time period.
6 Likes
I would love to see
iShares Core MSCI Emerging Markets IMI UCITS ETF (Acc)
in your offerings for 3a portfolios. You already use it for Invest portfolios, and you are absolutely right! Admit it, it is much better than those Swiss index funds on emerging markets that you are using now. And for emerging markets, there are no tax advantages in using a Swiss index fund over an Irish ETF. Unless I miss something, and in this case I would be thrilled to be enlightened.
元博士
3 Likes
Why do you think the ETF is much better than the index fund?