Yes it is.
Included in
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Hi everyone
Iâm looking for simple portfolio for a Finpension vested benefit account. I dont want to use the Credit Suisse funds, due to the companies current reputation. I dont really care if I use the Swisscantos or UBS funds. Time horizon would be 30+ years. I have thought about something like this:
80% Swisscanto (CH) IPF I Index Equity Fund World ex CH NT CHF
20% Swisscanto (CH) Index Equity Fund Switzerland Total (I) NT CHF
Iâm aware that there are different opionions about the home bias;)
Does the IPF mean that the world ETF is for institutional pension funds and has therefore for example no withholding tax for US equities?
Any other remarks?
Cheers
Hello everyone,
I was looking to create a strategy with only cash, and change it next year.
It seems not possible to have just cash and the only option is this one:
Did someone try the same?
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Thatâs correct, you canât hold cash at FInpension, the alternative is a money market fund.
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In the finpension app you need to change just the strategy, right?
Have you tried to convert what you had with CS or just moved to one of their fixed strategy?
Well, I have never used standard strategies and I basically have only funds that together build MSCI World ex US ex CH. So I just replace CSIF funds with Swisscanto analogs, e.g. for Japan, Europe ex CH etc.
Have checked their website and I see what you mean.
I agree with you that deal with CS at the moment and in the future is not that great.
I like finpension so far, so Swisscanto seem a good alternative.
Right now I have:
CSIF (CH) Ill Equity World ex CH Blue - Pension Fund Plus ZB 77.3 %
CSIF (CH) Equity Emerging Markets Blue DB 11.8 %
CSIF (CH) Ill Equity World ex CH Small Cap Blue - Pension Fund DB 9.9%
What do you think about these âconversionâ?
Swisscanto (CH) IPF I Index Equity Fund World ex CH NT CHF
Swisscanto (CH) Index Equity Fund Emerging Markets NT CHF
Swisscanto (CH) IPF I Index Equity Fund Small Cap World ex CH NT CHF
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Yes, these are equivalent funds.
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For the 2nd pillar, Finpensionâs offering UBS-funds in addition to CS and Swisscanto:
https://finpension.ch/de/freizuegigkeit/strategien/ubs/
How do these compare to CS / Swisscanto? Any advantages?
Also wondering why theyâre offering UBS only in 2nd pillar, but not in 3a?
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I donât get this fear of CS.
What is the reasoning behind it?
Assets in funds are completely separate from bankâs assets.
IMHO, this is micromanaging an irrelevant aspect of your portfolio.
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I think it itâs more about the moral than a rational fear of CSâŠ
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CSIF Emerging Markets: RĂŒckgabespread of 0.65? So thatâs what Iâm going to pay to switch to Swisscanto? Seems a little elevatedâŠ
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I think thatâs the point. You donât want to have business with this kind of people.
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Allow me to play the devilâs advocate then. Where does a morally pure person have their bank account and which banking products are you allowed to have?
And how does one measure the moral corruptness of a bank/financial product?
I think CS Schweiz AG is fine and ultimately no better or worse than other banks in CH.
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They are now called Credit Saudi AG.
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It looks as if you have opened a Vested Benefits account instead of a 3a account with finpension. Thatâs why the fee is 0.49% instead of 0.39%
@San_Francisco : time for you to welcome a new member 
⊠finished reading up and Iâm on board for the transfer I just initiated to finpension.
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Executed my Pillar 3a contribution already on 3 Januar, but will have to wait another week before finpension executes the orders. Meanwhile, markets have performed positively in the first week of the year ,
I know, in the long run this shouldnât have too much of an impact, but I still think the execution for the first week of the year should be scheduled a tad later for early movers like myself.
Edit: Nvm. Finpension executes trades on the second banking day of any given week. Everything working as it should.
Your contribution arrived on January 3 but it was not invested that day? Or did you enter the transfer on January 3 and it arrived January 4? At VIAC my contributions arriving on a Tuesday get invested the same day. It may depend on the bank the money is coming from, though (different banks may execute transfers at different times).
I anyway contribute monthly, though, so it matters less.
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