I switched to finpension and i want to recreate an All World portfolio with them. My problem is, that all funds have subscription and redemption fees.
This is what i came up with:
70% World ex CH TER: 0.00% Subscription fee: 0.05% Redemption fee: 0.08%
12% World ex CH smallcap TER: 0.09% Subscription fee: 0.13% Redemption fee: 0.09%
15 % Emerging Markets TER: 0.09% Subscription fee: 0.16% Redemption fee: 0.30%
2% SMI TER: 0.00% Subscription fee: 0.05% Redemption fee: 0.05%
From my understanding, every month when it rebalances, i will be forced to pay redemption fees, because it might sell soms of my funds. You can see for EM the redemption fee is 0.3%, which is huge.
Is it even worth to use different funds or should i just use one single fund and nothing else, so i dont have to rebalance? If so, which one? Probably the World ex CH?