I’m looking at opening my first 3rd pillar account(s). As usual, I’m looking at ~100% equities, world, non-sustainable/responsible, passive funds. After looking at many funds I noticed that all of them usually have over 30% invested in the Swiss stock market, despite being “world” or “global” funds. The only way to avoid this seems to be making a custom plan by combining index funds with finpension.
Am I missing something? Is going with finpension the only way to avoid having such a large fraction in Swiss stocks? I’m especially surprised because MP recommended VIAC a lot, whose global 100 fund has 40% invested in Switzerland.
For reference I looked at: VIAC, finpension (standard plans), Frankly, and Swisscanto.
(Personally, however, I simply use VIAC Global 100. Not taking care of this myself (I already do this with the rest of my assets) gives me pice of mind. But of course you don’t have to agree.)
That’s pretty standard as the default equity option due to regulations, the foundation is not allowed to have too high non CH assets (over its entire customer base).
So yes you’ll need to make a custom allocation. FWIW a global CHF hedged will likely have the same return as a non-hedged fund over a multi decade period
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