does “pledge per case” refer to using the 3a as collateral for a mortgage (without withdraw)?
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In 20 characters, yes, it does.
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I had to google it since I can’t find that silly pdf when browsing their site. I might have gotten the wrong one (1,2 pillar?)
https://finpension.ch/en/3a/structure/ You can find all the relevant documents for 3a here at the end of the page.
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I asked the team regarding the constituents of the “Crypto market index fund” which is available at Finpension and got the following.
The Crypto Market Index Fund is linked to the Crypto Market Index 10, calculated by SIX.
The rulebook that defines the constituents and the rebalancing mechanism is available on the SIX webpage:
However, the fund is restricted by the availability of the coins at the custodian: FINMA requires cold storage solutions for all constituents in this funds. In other words, the fund runs under optimized sampling - and currently only invests in 3 coins: BTC, ETH and UNI).
Constituents in CMI 10 as of 4.1.2022:
Bitcoin 56.03%
Ethereum 28.48%
Solana 3.32%
Cardano 2.83%
Ripple 2.50%
Polkadot 1.86%
Avalanche 1.65%
Dogecoin 1.44%
Shiba Inu 1.15%
Uniswap 0.73%
Current allocation (fund):
Bitcoin 65.6%
Ethereum 33.5%
Uniswap 0.9%
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„Over the last 25 years there has never been a rolling 120 month (ten year) period when [the MSCI World Quality Index] has not performed as well as or better than the MSCI World Index.“
Fundsmith‘s Terry Smith, credits to @investinghero here.
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Fantastic 
glad I joined the “quality” club this year like some of you guys by opening a second portfolio at Finpension and being 99% invested in the CSIF World ex CH Quality fund. Go go quality!
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To be honest I’m under the same impression as you. But as I had two 3a deposit accounts open, and 2 funds in my custody account, I figured that it doesn’t hurt to try and asked to pay one fund out into each deposit account when I decide to sell (next Jan) since the split is like 60:40 and the bank said in principal it was ok with them. To be honest, I’ll confirm victory when/if it happens. I’m no expert and I’m usually informing them so someone else may say no when I actually try to do it.
CSIF (CH) Equity Switzerland Total Market Blue ZB
or
CSIF (CH) Equity Switzerland Small & Mid Cap ZB
How do you vote?
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Doesn’t CSIF (CH) Equity Switzerland Total Market Blue ZB already include small and mid cap?
I really wish they would add the Avantis Funds, they are so much better than the MSCI Quality index.
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Is there even one Avantis fund that’s at least three years old?
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No, but Dimensional has a long track record and Avantis was started by a group of former DFA employees, using a process that is similar.
I am intrigued 
Could you summarise what is good about Avantis funds? (Or point me to another thread if already discussed, apologies in that case)
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This is true if the sp500 fell 35% and quality fell 34.7%
We need further data to see if this truth is any beneficial in practice.
The higher TER might actually eat all your “benefits” away.
Not clear if this is your question but TER of « MSCI world quality excluding Switzerland » fund in Finpension is 0.13% which would not eat the historical difference in performance
(Chart for ex Switzerland will not be much different)
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What they, somewhat “conveniently” don’t tell you in that chart is MSCI was the worst performing factor in the immediately preceding years 
For me, that’s okay though, since overperformance has also been determined for longer periods, and volatility and risk aren’t as elevated as on other factors.
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Finpension has been praised a lot for it’s low TER and products but I’ve got some concerns. All those funds are managed by CS and they obviously don’t have a good public image these days. While all those assets are protected but I think there is a minor risk ~2% and those funds could eventually get transferred to some other bank for management.
Any opinions about other potential risks that could be a hassle in the future?
While it’s not completely impossible that management of these funds will be spun out or bought off Credit Suisse, even then I wouldn’t expect major changes from the customer perspective. These index funds are managing tens of billions of Swiss Francs. Longer term it’s possible some index funds get closed but I consider the risk very low for the major ones.
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