So a quick comparison between both.
I will compare the global Global 100 from VIAC and the Extreme 95 index from Frankly:
Flexibility:
Frankly offers 8 funds (3 active and 5 passive). Only 1 can be chosen at the time unless you have multiple 3a accounts. The funds are not transparent as we don’t the indexes they are using.
Viac offers more than 20 funds that can be mixed and offers prepared strategies like Global 100, ect. The funds are transparent
Winner: Viac
Timing
Frankly invests every day of the week
VIAC invests only once in a month
Winner: Frankly
Fees:
Frankly has 0.48% all-fee (the currency fees are inside the fund so I would assume lower than 0.75% from VIAC). Based on the factsheet, it is not a fund of funds.
Subscription fees: 0.10% and Redemption fees 0.09%
Viac has a 0.51% all-fee + currency fees.
Subscription fees: 0.08 Redemption fees: 0.03% (numbers from: CSIF (CH) III Equity World ex CH - Pension Fund)
Winner: Frankly
Diversification and long term returns
Frankly has 30% of Swiss equities, but 70% of the total fund is in CHF. 60% of foreign stocks are hedged. 100% of the money can be invested.
Viac has 37% of Swiss equities. There is no hedging. 97% of the money in the account is invested.
Based on the literature the hedging has an important impact on long term returns and wouldn’t be recommended.
Winner: VIAC
Support
Frankly offers support by phone, email and social media.
VIAC offers support by phone, email and online chat.
Winner: Both