We use CHF index fonds whenever available. There is an exception if you customize your strategy and add for example CSIF (CH) III Equity US Blue - Pension Fund ZB as we have to subscribe this index fund in USD. Otherwise, there is no currency conversion. If there is one, we have a spread of 0.05% which is charged by our bank but there is no margin on our side.
0% TER classes can only be subscribed if you have a special agreement with the bank (institutional fund access; such agreements are usually only set-up for very large accounts). The costs for the use of this classes, custody and transaction fees are then directly paid by the couterparty (finpension) and not charged on the index funds. This is the reason why we can offer an “All-in-Fee”.