I had a look at both Finpension and VIAC for VB both seem quite Swiss heavy (even for equity 80/100 options) which I guess is probably a regulatory thing.
At the moment, I’m leaning towards VIAC 80 as in the 20% non-equity, they have 5% cash/bonds, 10% real estate and 5% gold.
I prefer having the gold slice vs finpension’s 11% liquidity/bonds and 9% real estate.
Anyone already with a VB and which did you go for and any other options you would recommend?
does the customized strategy not allow 99% MSCI world ex US (vanilla / quality / value weighted / …) on Finpension FB?
Hmm. I see mention of custom strategy, not sure how much you can adjust, but maybe this then gives the flexibility to tune it. I’ll register with finpension and test it.
I have custom strategy on Finpension VB: 99% MSCI world ex US value weighted - CHF hedged. I think it allows unhedged funds at 99% too (like in 3a).
Yes, you can also choose a custom strategy with 99% equities exposure without hedging
You can mix and match funds however you want. There is substantial selection of funds available.
For VIAC, there’s some limit like 35% for many funds (and 20% for others), but you can combine same or similar ones from Swisscanto and UBS to multiply that.
FP seemed pretty similar, without the weird 80% stocks restrictions on mandatory vs. non-mandatory.
You might find more info in these respective threads (or just play around in the apps)
Choice is good enough to, for e.g. concentrate dividend-heavy stuff in there.
I only tested my own needs for VIAC VB, just as an example posted in VIAC 3a thread:
"Concentration plays a role, but also Developed vs EM. If it’s the same weight as in their vested benefits non-mandatory for example:
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Wow. Seems like a contrarian choice!
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