I’m just going through the forum to see where you guys put your hard-earned 3a pillar cash.
I’m so far invested in Raiffeisen Pensioninvest Growth and Postfinance 75 in two separate accounts, and while they are easy, they represent the old guard somewhat.
@nugget has made a very verbose summary for 3a, but it’s lacking some overview of these products
I’ve now added links to the other product topics, but they are pages and pages long, sometimes 3+ yrs old and it’s hard to dig the information out besides investing a lot of time to swift through the forum.
We could have this topic as a “sticky”, or I’m happy to merge the chapters into nugget’s summary. Probably the latter is better, though.
No, the information should be condensed into a wiki. But that would be work and no one is going to do it. Then people complain that there is too much noise. But they fail to notice that people ask those questions because of too much noise, too.
This question is a request to condense presently available information. To reduce the noise you just complain about and in that add to it.
They’re too recent. Moneyland’s data starts from 2019 and back, depending on the timeframe you select, VIAC or Finpension’s funds didn’t exist. The Swisscanto (CH) Vorsorge Funds 95 Passiv VT CHF (Frankly’s Extreme 95 Index) isn’t there no matter what timeframe you choose.
It’ll get better with time as we start accruing more data.
Edit: it isn’t fully accurate either: Swisslife charges a 2% fee for every deposit you make (at least for the one fund I’ve tried, BVG-Mix 45) that isn’t taken into account. Chances are the fees are underevaluated, which would push VIAC, Finpension and Frankly. even higher if they were there (or fully there for Frankly.).
Not too impressed with what products they compare & somewhat uncommon way they compare. They compare the performance of each product to its “benchmark”, so kind of correct, but then one can’t compare the products’ performance amongst each other. Ok, for that comparison they give “points”, but I didn’t spontaneously understand their grading, so I left it. Maybe someone else has more patience.
The ETFs/funds used by Viac (and finpension AFAIK) are not designated retirement funds. They are regular funds just like those you can buy into with a stock broker. In the case of pillar 3a asset management (Viac, finpension), the asset management service partners with a retirement foundation which holds your assets in trust. In the case of a retirement fund (like those in the moneyland.ch comparison) the fund manager partners with the retirement foundation.