Anyone knows a way to have a standard viac portfolio (in my case 80) without Real Estate? It has been a drag on the portfolio and I think it will continue to be for a while.
I can copy the original without it, but I wonder if there are downsides.
1 Like
Yeah, you can choose your own strategy and pick for example 80% stocks and 20% cash.
Downside could be, that Real Estate suddenly performs much better. 
2 Likes
Speaking about VIAC Deals : I just signed with Dextra for juridic protection through viac deals.
For the same price, the coverage is better compared to my actual insurance.
Iâve enquired about 3 topics with my Viac investment and got a response from the founder.
-
I want to invest without the 40% chf exposure thatâs force me to invest in the msci world chf hedged etf which is not optimal due to forex conversion.
-
I wanted an etf more diversified reproducing MSCI ACWI IMI.
Will it be possible to work on it in 2024 ? -
Iâd like to benchmark my investment with a Quality etf such as CSIF (CH) III Equity World ex CH Quality - Pension Fund DB
https://finpension.ch/app/uploads/factsheets/CH0253609066_fact-sheet_en.pdf
If I understand well, if more Mustachians are interesting on having a Quality factor etf added to Viac 3rd pillar, they could request it to SUPPORT@viac.ch to bump it to the top of their wish list.
8 Likes
NASDAQ 100 isnât really a clearly distinguished âthemeâ (neither geographically nor by sector).
Did anyone notice that VIAC pays dividends and then take it back, for example with Swisscanto US - IPF?
That ETF doesnât have dividends in theory
Yes, Viac seems to pay out about a 0.5% dividend annually for CS US PF, even though itâs an accumulating fund, no idea the reason, maybe itâs the 15% wht refund that is paid out (with a delay), as by the time itâs refunded doesnât belong to the current owners of the fund, but belongs to the owners of the fund 6M previously (or whenever the wht was withheld)?
At Viac, Iâve had payments made to me and then taken back, but this was due to errors, i.e. they paid me the dividends twice, then took back one of the two payments. Check for double payments, might explain your case too.
itâs the reimbursement of the Swiss withholding tax (accumulated income was subject to SWT)
1 Like
Got an email from Viac today stating that the 60% cap for foreign investments (other tha. CHF) for individual strategies can be abandoned.
Furthermore a number of index funds can be allocated to 99 % total allocation.
CH0429081620, CSIF World ex CH â PF Plus
CH0429081638, CSIF World ex CH hedged â PF Plus
CH0117044948, Swisscanto World ex CH â IPF
CH0296590281, Swisscanto World ex CH hedged â IPF
CH0337393745, CSIF World ex CH ESG â PF Plus
CH0337393851, CSIF World ex CH ESG hedged â PF Plus
CH0215804755, Swisscanto World ex CH Responsible â IPF
CH0293345648, Swisscanto World ex CH Responsible hedged â IPF
That certainly brings viac closer again to finpension in terms of competitiveness.
11 Likes
Hooray !
I was waiting for this decision since few years now !
I can ditch the CH0296590281, Swisscanto World ex CH hedged â IPF and use non hedged in my custom composition!
It should improve performance and simplify everything.
I am just waiting a Quality etf from my previous request and we should even be closer.
Just remember that they take about 1% every time you change currencies.
4 Likes
Good news - but they were very slow. Will not change back to Viac for the foreseeable futureâŠ
Sitting on the fence and waiting for some good fellow willing to try & suggest a custom allocation to mimic VT & the likeâŠ
Still all in (200k) Global 100 FTW
2 Likes
Keep my 40% invested in CH (40k out of 100k) by them for the home Bias pledged for the WIR Mortgage
Was that a requirement set by VIAC/WIR bank or just your own preference. Just curious to know.
My proposal:
- CSIF SMI: 2%
- CSIF World ex CH: 78%
- CSIF World ex CH Small Cap: 10%
- Swisscanto Emerging Market: 9%
Total 99%, this misses CH small cap (0.13%) and emerging small cap (1.5%)
Blended TER (not counting VIAC fees of 0.4%): 0.01%
(used the numbers from MSCI indexes at end of July to compute)
6 Likes
The 40% in equities quoted in CHF was the minimum requirement until yesterday by VIAC.
I had no worries with that since itâs cheaper to have mid cap with CSIF SPI Extra in CHF by them than with ibkr (SPMCHA/SMMCHA)
On WIR Bank side they just donât care about your asset allocation! They take 100% as pledging value.
We have have like 30% of or mortgage right now invested 100% in equities and we continue our DCA on our VIAC 3A.
They were more efficient and kind than Raiffeisen so we can only recommend them! Anyway they are conservative about purchasing price if you overpay a bit your home
3 Likes
If we use Swisscanto World ex CH
Would it be better to take the Hedged to avoid FX fees? I usually donât use Hedged ETF in my investment but on ViacâŠ
Thx for advices
I edited my post because I was not really asking for the strategy but hedged or not.
Perhaps the thread above will help you
Hedged ETF might not have currency fees but it does have currency hedging costs.
3 Likes