# 3a solution from Finpension

**URL:** https://forum.mustachianpost.com/t/3a-solution-from-finpension/4522
**Category:** Banks, Insurances & Third Pillar
**Created:** [October 8, 2020, 2:00pm UTC](https://forum.mustachianpost.com/t/3a-solution-from-finpension/4522 "2020-10-08T14:00:27Z")
**Posts on this page:** 1
**Showing post:** 64

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### Author: ![ICantSurf](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/i/54ee81/32.png) [@ICantSurf](https://forum.mustachianpost.com/u/ICantSurf)
#### Post date: [October 24, 2020, 6:18am UTC](https://forum.mustachianpost.com/t/3a-solution-from-finpension/4522/64 "2020-10-24T06:18:03Z")

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**It’s my first post ever, so welcome everybody! Thanks to the community for a lot of valuable information.**

I’m considering starting 3a deposits into Finpension while keeping my older 3a account at the same time (which I assume is possible).

Question about one of the funds that Finpension (effectively CS) offers: [Equity World ex CH Quality](https://amfunds.credit-suisse.com/ch/en/institutional/assets/document?documentId=ahX%2Bf7TuiJoYxuVFPrOYOw%3D%3D&filename=CH0253609249_fact-sheet_en_30-09-2020.pdf)  
_targeting stocks with historically high return on equity, stable year-on-year growth, and a low leverage ratio_

Seems comparable with some of the momentum factor ETFs (?). So far, fund has been generating returns above the standard MSCI World ex Switzerland index. Despite higher TER, it seems like an interesting option. What do you think?

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