Finpension (2nd/3rd pillar investing)

Banks, Insurances & Third Pillar
336

Got it. It was just an idea. Corrected for clarity. Thanks

337

For All Caps, it would be approximately 76% World ex CH, 10% World ex CH Small Caps, 11% EM, 2% SPI. An EM Small Caps fund is not available, as far as I can tell.

Without Small Caps, it would be 85% World ex CH, 12% EM, 2% Switzerland (SMI or SPI 20).

1% has to be in cash.

See https://marketcaps.site/

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338

Thanks Jay! Any specific fund recommendations or I just pick the cheapest TER one for each category?

339

Just pick one of the 0% TER one, make sure they target all the same index (otherwise you risk double counting)

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340

World ex CH

  • Swisscanto (CH) IPF I Index Equity Fund World ex CH NT CHF
  • UBS (CH) Index Fund 3 - Equities World ex CH NSL I-X-acc

World ex CH Small Caps

  • Swisscanto (CH) IPF I Index Equity Fund Small Cap World ex CH NT CHF
  • UBS (CH) Institutional Fund 2 - Equities Global Small Cap Passive II I-X-acc

Emerging Markets

  • Swisscanto (CH) Index Equity Fund Emerging Markets NT CHF
  • UBS (CH) Institutional Fund - Equities Emerging Markets Global Passive II I-X-acc

SPI

  • Swisscanto (CH) Index Equity Fund Switzerland Total (I) NT CHF
  • UBS (CH) Index Fund - Equities Switzerland All NSL I-X-acc

Switzerland Large Caps

  • Swisscanto (CH) Index Equity Fund Large Caps Switzerland NT CHF (SPI 20, no cap on top holdings)
  • UBS (CH) Index Fund - Equities Switzerland Large Capped NSL I-X-acc (SMI)

These should all be unhedged 0% TER funds with optimal tax treatment. The Swisscanto and UBS funds of each category are generally very similar. Pick what you like or maybe compare the tracking difference. The two of the last category track a slightly different index.

4 Likes
341

If you‘re going for only 2% SPI, you can just drop it entirely and simplify the portfolio IMO. Won‘t make a dent.

342

I don’t replicate VT myself in 3a, so this isn’t my portfolio. However, in 3a, there isn’t really any benefit in having fewer funds given that you don’t buy manually and it’s not declared in taxes. So if I wanted to replicate VT or similar, I don’t see a reason to skip Switzerland even if the performance difference will likely be tiny.

343

Finpension has been launched 10 years ago.
The AUM is now 5 billions and during this period fund providers (UBS, Amundi, Xtracker, Vanguard, ect) have reduced their TER by almost two.
@finpension Is there any plan to reduce the fees on pillar 3 or vested benefits ?

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344

Thank you for your question. We regularly review our fee structure and continuously monitor market developments, including changes in fund costs and provider pricing.

At this stage, we cannot communicate any concrete plans. However, keeping our solutions cost-efficient and attractive for our clients remains an important priority for us.

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