The shorter time for selling/buying assets and the lower fees: Timing the market using moving averages - an experiment - #53 by Wolverine
I’m not much concerned about the fund’s low amount of assets under management for now because I still have only a few amount of money at stake, we’ll see if I react differently when it will have grown into more of a sizeable chunk (if it actually does, of course).
Also, I think I might have to revise my vision of bonds in these kinds of 3a products. My basic stance is that I’m not interested in bonds (or have not been) under the circumstances of the last years because I’d rather hold the safest bonds and more stocks than more bonds with a slightly higher yield but also slightly more risk (and I’d rather hold cash in an insured bank account than negative yielding bonds). Here, the amount of stocks is caped so it’s possible that using slightly higher risk bonds with slightly higher yield than cash might actually be worth it (I haven’t studied it yet so have no educated opinion on it as of now).