Got it. It was just an idea. Corrected for clarity. Thanks
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.
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Thanks Jay! Any specific fund recommendations or I just pick the cheapest TER one for each category?
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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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.
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If you‘re going for only 2% SPI, you can just drop it entirely and simplify the portfolio IMO. Won‘t make a dent.
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.
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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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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U made transfer order for 3a with Viac and finpension these days. At Viac you can easy find how to start the process. It is all in their app.
At finpension you find some FAQ that money can be forwarded to other 3a institutions. But no button to click „transfer".
I did write them a email with the transfer order, response was quick and didnt cause any hassels. Still I dont understand why they are not transparent about the process
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Hi! I’m unsure whether you’re referring to transferring to finpension or moving money from finpension to another provider. If you’re talking about transferring money to us, you’re right that we don’t have a dedicated transfer button. In the app, you can find the transfer function by tapping the “Deposit” button in the top right, then selecting “Transfer existing 3a assets”. For transferring money from finpension to a different provider, you’ll need to complete that provider’s transfer form, not ours. The process of transferring money to us is also explained on our website. However, we’re currently working on our website and app to make these processes clearer.
Hope this clears things up! Your finpension team.
It was about transfering from finpension to another 3a provider.
I didnt find explication in the app ornon the website. Maybe there are instructions there. Just saying that I looked several times and didnt see it.
Alsonin the FAQ there is only a mentioning, that transfer is possible, but no „how to".
I feel like the „how to" is a legit question and from a consumer point of view I prefere to see in the FAQ „Yes you can transfer to another provider and this is how it is done"
edit: other thing: after submitting the transfer order the full amount was booked out of my portfolio 15.05. I learned that payment to new provider is scheduled for 21.05. In the App I cant see any info about this process. I only see 0.- CHF and that the money didnt arrive at the new provider yet.
I understand that it might take few days, but I feel bad informed if I have no Information where my funds are for the moment.
At viac this process was a) super quick but b) super transparent. I always knew what the next steps are and where the funds are.
Thank you for the detailed feedback — we genuinely appreciate it.
We completely understand that you want to know how to transfer your money and where it is during the process. That’s a legitimate expectation.
We’ll make sure our FAQ more clearly communicates that a transfer to another provider is possible at any time and where to find the instructions.
Your point about transparency during the transfer process is well taken. We’re working to improve how the status is displayed in the app so you always know where things stand. Your feedback is a helpful reminder that this matters. Your finpension team.
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imho yes and no. From the new provider I get all the payment instructions, sure. But this needs to be submitted to the existing provider. I think at least you should somewhere write: send payment instructions from your new provider to xyz@finp..
Great, appreciate your reaction to these points. Thank you for responding.
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We will include this information in the new FAQ as well. Thank you for your feedback!
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I think it’s pretty rare for a financial services provider (no matter what they offer) to join the discussion and respond here on the forum. I just wanted to say that I find this great, keep it up!
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