I’m not aware of their fees. The SPI etfs for private investors are cheaper than SMI. Convincing argument? You need to put 40% of your pillar 3a in CHF. So if you want to keep a market-weighted ratio and use SMI + SPI Extra, then you need to figure out the ratio, and at some point, rebalance. With SPI you just have 1 etf, period. 1 is simpler than 2. But of course, these are all pennies of difference, not that important. I just got dragged into this by my own curiosity.
What happend to “Cash statt Obligationen”? 
Kidding aside, thanks for listing the available assets for the classic portfolio creation early.
I like the SPI Extra and will be using it for my swiss allocations
What is the reasoning of only allowing 35% SPI Extra and not the whole 40%? Now I have to fill the remaining 5% with SLI/SMI, which theoretically makes re-balancing more complicated and costly (for you).
Btw, has anyone given https://www.simplewealth.ch/ a look and how it compares to VIAC?
there are a couple of threads in this forum. was considered too expensive for true mustachians, however for the average guy might be quite nice
they offer a 3a pillar for 0.5% fee, how’s that any worse than VIAC? Just wondering if anyone knows it off hand.
On the damn front page. Did you even open it?
While you set your plans in motion, Simplewealth will invest your money in a Pillar 3a, in ETF tracking indices and rebalance your portfolio when necessary.
Simplewealth creates a personalized investment plan just for you: tell us how you are, if you want sustainable investments or a Pillar 3a and we will do the rest for you.
We keep our fees low – just 0.5% of your investments per year and no trading commission fee. Enter and exit when you want to, at no fee and with no commitment
There was a little comparison in the NZZ a couple of days ago. Fintech erobert die dritte Säule | NZZ I hope you understand enough german or google translate performs well enough.
Especially the table with the privders might be interesting
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I will ask them how they manage the 3a pillar. They need to have a specific structure to manage this type of account. Little info is on there website
Only VIAC and VZ accept 3a money
the announced features are here
https://viac.ch/en/academy/release-2/
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finally it is there. i was looking for it! checking the details now…
who’d like to refer me? 
Me! It requires a mobile number. Feel free to DM me 
Edit: I have two referrals left, just DM me
I’m a happy customer and would gladly refer anybody who wants a reduced fee… Contact me
I just made my own portfolio, feels great
I’d also happily refer anybody who wants to have a reduced fee.
i just thought the saving possibly becomes CHF1500*0.0072=10.8CHF p.a., compounded at 5% and 30 years results in just below CHF 1000.
ok i will also refer from now, gladly^^
I have also tested the VIAC app, seems very good and has some nice features, in addition I’ve had some contact through the chat function with a great response.
I would be interested if there a Mustachianpost consensus on a strategy now that its possible to select your own portfolio?
Swiss allocation and the rest in World (ex CH)?
for my viac portfolio i picked
30% SPI extra
2% SLI or SMI (cant remember)
5% swiss real estate
30% CSIF world ex CH, unhedged
20% CSIF world ex CH small, unhedged
10% EM
3% cash
goal: long term (35y) maximal returns.
i didnt put lots of thought in it, i am curious what others have!
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Nice Portfolio nugget, but it adds up to 105%?
I chose a similar Portfolio:
35% SPI extra
2% SMI (because SLI has 0.2 TER)
35% CSIF world ex CH, unhedged
15% CSIF world ex CH small, unhedged
10% EM
and the mandatory 3% cash
Whats the deal with swiss real estate, is it worth it?
My strategy will be to create 5 portfolios, not sure if I will go with one strategy for all of them or vary a bit.
EDIT: I went with the SLI after all, TER is not worth looking at with an allocation of 2%. I prefer the SLI in this case because its capped
I have a Degiro account with a mix of small/mid/large cap US markets, emerging markets and developed Europe ETFs.
I was thinking something along the lines of:
17% SPI extra
20% SMI ( exactly because SLI has 0.2 TER)
40% CSIF world ex CH, unhedged
20% CSIF world ex CH small, unhedged
3% cash
goal: long term (35y) maximal returns.
Since you are forced to have 40% swiss equity, I would always max out SPI Extra with 35%
Why? Because the SMI is terrible with (a) only 20 companies and (b), Nestle, Novartis and Roche making up ~60% of the SMI. imho in terms of diversification the SPI Extra is the best offering covering swiss mid and small caps. Plus you get access to swiss small caps, not something you get easily as a retail investor I think.
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